Our standard
We write for people making a real decision with real savings. Every page should answer the question you came with, in plain English, and show both sides. If a product has a weakness, we say so.
Who writes our content
Our research is written by the Tax Free Wealth Plan team: James Forren Warren, Licensed Retirement Income Strategist (license #20551202), who writes the company and product reviews; Dave Nelson, Chief Executive Officer; Sierra Warren, Chief Operating Officer; Tierre Browne, Licensed Strategist; and Tanner Russinger, Client Coordinator. Every page is reviewed by James before it is published, and each page names its writer and its reviewer. Meet our writers. You can see James's profile and verify any of our licenses on our licensing page.
How we research
- Product details come from carrier product guides, disclosure statements, rate sheets and state filings.
- Company ratings come from the rating agencies' own publications.
- Tax and rule details come from the IRS, the Social Security Administration and state insurance regulators.
- Industry statistics are attributed to the organization that published them, with the year.
Independence and how we are paid
Tax Free Wealth Plan is a licensed independent insurance agency appointed with 25 companies. When a client buys an annuity through us, the insurance company pays us a commission. You never pay us a fee. That commission never decides what we write: we review companies and products we cannot sell with the same method, and we name the weaknesses of those we can. Read more in how we are paid.
Rates and numbers
Annuity rates change often and vary by state, so we do not present today's rates as permanent facts. Examples on our pages are labeled hypothetical, and we show our math. For current rates, request a free quote.
Corrections
If we get something wrong, we fix it. Tell us what you found. We verify it with the original source, correct the page and update the date at the top.
Updates
Company and product reviews are reviewed at least twice a year, and sooner when a rating, product or rule changes. The "Updated" date on each page shows the last review.
Advertising
We do not accept payment to publish, rank or review any company or product. There is no sponsored content on this site.
Licensing and compliance
Tax Free Wealth Plan LLC is a licensed insurance agency, not a registered investment adviser or broker-dealer, and our content is educational, not investment, tax or legal advice. See our advertising disclosure.
Contact
Questions about our research? Call (307) 323-4657 or use our contact page.
Educational only, not investment, tax or legal advice. Tax Free Wealth Plan LLC is a licensed insurance agency, not a registered investment adviser or broker-dealer. Annuities are not bank deposits, are not FDIC insured and are not guaranteed by any government agency. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Features, rates and availability vary by state and change over time; the contract and disclosure documents govern.