Safe money. Steady income. Real guarantees.
We help South Florida families grow what they have saved without risking it—then turn it into a paycheck that lasts as long as they do.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Safe money. Steady income. Real guarantees.
We help South Florida families grow what they have saved without risking it—then turn it into a paycheck that lasts as long as they do.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
Make Sunshine your retirement partner
Safety, income and a plan you can actually follow
When you save for retirement you need two things: growth you can count on and protection that lasts. We bring both, with licensed Florida professionals who explain every option before you decide.
Your money is protected
Fixed and fixed index annuities guarantee your principal and a minimum interest rate. The insurance company—not you—carries the market risk, so a bad year never becomes a bad retirement.
Easy-to-understand strategies
No jargon, no 40-page prospectus. We use plain-English explanations, one-page income analyses and written plans so you always know what is guaranteed and why.
Options that fit your goals
Want a paycheck for life? The Personal Pension Plan. Want safe growth? Fixed annuities. Need to protect a spouse or leave more to heirs? We have strategies for each.
Why families choose us
The Sunshine Difference
What working with an independent, education-first firm looks like next to the alternatives.
Sunshine Financial Partners
Captive insurance agent
Do it yourself online
Who carries the risk
The insurance company—principal is guaranteed
Depends on the product the company sells
You do
Product choice
Independent: multiple A-rated carriers compared side by side
One company’s shelf
Whatever the website offers
The plan
A written income plan showing what is guaranteed and for how long
Usually a product proposal
None
Who you talk to
A licensed partner who answers the phone and reviews your plan every year
Varies; often a call center
A chatbot
Cost to you
No fee for the review or the plan
No fee
No fee
Who carries the risk
Sunshine Financial Partners
The insurance company—principal is guaranteed
Captive insurance agent
Depends on the product the company sells
Do it yourself online
You do
Product choice
Sunshine Financial Partners
Independent: multiple A-rated carriers compared side by side
Captive insurance agent
One company’s shelf
Do it yourself online
Whatever the website offers
The plan
Sunshine Financial Partners
A written income plan showing what is guaranteed and for how long
Captive insurance agent
Usually a product proposal
Do it yourself online
None
Who you talk to
Sunshine Financial Partners
A licensed partner who answers the phone and reviews your plan every year
Captive insurance agent
Varies; often a call center
Do it yourself online
A chatbot
Cost to you
Sunshine Financial Partners
No fee for the review or the plan
Captive insurance agent
No fee
Do it yourself online
No fee
General description of service models. Guarantees are backed by the claims-paying ability of the issuing insurer.
Free analysis
Income-Gap Analysis
See how much guaranteed income you need, what is already in place and where the shortfall is—on one page, with no obligation.
Free analysis
Income-Gap Analysis
See how much guaranteed income you need, what is already in place and where the shortfall is—on one page, with no obligation.
Great client service
Our partners answer their own phones, meet you in Deerfield Beach or by phone, and review your plan with you every year. Education first, guarantees second, sales pitch never.
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.
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.