Philosophy
Why “Free” Annuity Reviews Are Rarely Free
The economic reality behind sales-driven advice—and what an unbiased review actually looks like.
Independent Review · Honest Analysis
An honest review of the annuity you already own.
If you own an annuity, you deserve to understand exactly what it's doing — the costs, the guarantees, and whether it still fits your plan. That's what I do. Analysis first. Recommendations second. No pressure either way.
In Practice Since 2007
Series 7, 63, 65
Life & Annuity Licensed
CAS & CIS Designations
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The Philosophy
The annuity industry rewards selling, not advising. Most "free reviews" are pitches in disguise — designed to replace what you have with something that pays a higher commission.
AnnuityMax was built on a different model: independent analysis, no product agenda, and education that serves the owner of the contract — not the seller of the next one.
Zero Sales Pressure
Analysis Over Execution
What This Site Is Not
- A product sales funnel
- A rate-shopping commodity site
- Mass-market lead generation
What This Site Is
- The foundation for advice specific to you
- Independent analysis before any recommendation
- Education that serves your interests, not a product shelf
Growth assets grow. Guaranteed assets guarantee. Nothing in between.
Equities
For Growth
Long-term, left alone to compound
Hybrid Products
Neither
Try to do both. Do neither well.
Annuities
For Guarantees
Income that doesn't depend on the market
Insights
View All Insights
Perspectives on Annuities, Risk, and Advice
Philosophy
The Annuity You Own May Be Fine.
A conversation with Bill Aldrich on what a healthy annuity looks like, the red flags most people miss, and why a review doesn’t have to mean something is wrong
Latest
Should You Replace Your Annuity?
A practical look at when replacing an annuity may make sense, when it may not, and what to review before making a decision.
About
"I hold the licenses that matter."
Securities. Insurance. Registration as an Investment Advisor Representative. I can analyze, advise, and execute — without being restricted to a single avenue like many advisors are. This isn't about selling you a product. It's about building a structure that survives real life.
Investment Advisor Representative
Series 7, 63, 65
Life & Annuity Licensed
Learn More About My Approach
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A complete sample analysis. No commitment.
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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker/dealer, member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Aldrich Investment Management are not affiliated. Financial Professionals may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed or exempt from registration and not all of the securities, products and services mentioned are available in every state or jurisdiction.