Learn it before you buy it.
New to safe money planning? Start here: guides, videos and the official tools we point clients to.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Learn it before you buy it.
New to safe money planning? Start here: guides, videos and the official tools we point clients to.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Resource hub for learning and planning
Everything you need to make confident decisions
Explore our short videos, download the consumer’s guide to annuities, and use the official calculators below. Questions? Our FAQ answers the ones we hear most—and a licensed partner is a phone call away.
3
plain-English videos
1
free consumer’s guide
$0
cost, no obligation
Watch
Short videos, plain English
Build Your Own Personal Pension Plan
Why retirement needs have changed and how to turn savings into guaranteed income.
Fixed Index Annuities 101
Income you cannot outlive, principal protection and index-linked growth.
Wealth Transfer & the Tax Time-Bomb
How to pass assets to heirs at the lowest rate of taxation.
Retirement income strategies
Build a dependable retirement income using guaranteed sources, Social Security and savings—in the right order.
Social Security: when to file
Full Retirement Age, early vs. delayed filing, spousal and survivor rules, taxes and the earnings test.
Protecting the plan
Life insurance, long-term care and wealth transfer—how to keep a single event from undoing decades of saving.
Watch & listen
Money Talks on the Blue Couch
Every week our partners sit down on the blue couch in our Deerfield Beach office for Money Talks on the Blue Couch—plain-English conversations and guest interviews about retirement income, Social Security, annuities and protecting what you have saved. Our partners also host Safe Money Radio in South Florida. Watch the latest episode, then bring your question to a free review.
Free consumer’s guide
Annuities: Safe Money Products that Grow & Preserve Wealth
Tell us where to send it and we’ll email the PDF right away. No obligation, no follow-up pressure.
Useful tools
Calculators and official resources
Independent, non-affiliated sites we point clients to. We are not affiliated with the Social Security Administration or any government agency.
Questions? We’ve got answers.
Frequently asked questions
How safe are fixed annuities?
Fixed and fixed index annuities are insurance contracts: the issuing company guarantees your principal and a minimum interest rate, and Florida’s Life & Health Insurance Guaranty Association adds a further layer of protection within statutory limits. They are not FDIC-insured and are not stock-market investments.
Are annuities low-risk?
Fixed annuities are among the lowest-risk savings vehicles available to retirees because the insurance company—not you—bears the market risk. Variable annuities are different: your value rises and falls with the market.
What is a guaranteed paycheck for life?
A lifetime-income option converts part of your savings into payments that continue for as long as you (or you and your spouse) live, no matter how long that is or what the market does.
How much should I be saving for retirement?
It depends on the income you want and what Social Security and any pension already provide. Our income-gap analysis puts a real number on it instead of a rule of thumb.
How do I get started with Sunshine Financial Partners?
Request a free, no-obligation income review. We meet in Deerfield Beach or by phone, listen first, and show you where you stand before any product is discussed.
Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.