I
Independence
We are not licensed to sell annuities. We do not accept commissions, finders' fees, or revenue share from insurance carriers. The reviewer's compensation does not depend on what the report concludes.
About
An independent appraisal, delivered through your advisor.
AnnuitySecondOpinion is offered to clients of advisory firms in The Pinnacle Group network. Your advisor pays for the review; you receive the appraisal at no cost.
Our pillars
Three commitments that define the work.
II
Rigor
Every review uses Morningstar's institutional Annuity Intelligence dataset — the same data large RIAs pay six figures a year to access. Then a licensed advisor reads it.
III
Clarity
One recommendation, in plain English, with the math behind it. Not a 40-page document designed to confuse you into a sales call.
The partnership
Built on institutional foundations.
The Pinnacle Group provides the advisory backbone; Morningstar provides the data; the appraisal is produced by an independent team.
Pinnacle Advisors
The Series 65– and state-insurance-licensed advisory team that reviews and signs off on every report. The compliance backbone of the service.
Morningstar
Institutional Annuity Intelligence data. Fee databases, peer comparisons, ratings, surrender schedules — the same dataset used by major RIA platforms.
Sound Annuities
The production team that builds the appraisal under the AnnuitySecondOpinion brand for the Pinnacle network. The operating relationship is disclosed in Form ADV Part 2A.
“
If our review says keep it, we will not try to sell you anything else. If it says exit, we still will not sell you anything else. That is the entire model — and it is why we can be trusted.
— The AnnuitySecondOpinion team
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