Will Your Money Last as Long as You Do?
We help pre-retirees and retirees across the Coastal Bend build a retirement income plan that pays you — no matter how long you live, and no matter what the market does.
For most people within a decade of retirement, the biggest fear isn't dying too soon. It's running out of money too late. Social Security helps, but for most households it doesn't cover everything. Savings in the market can drop right when you need them most. That gap — between what you'll have and what you'll need — is exactly what retirement income planning is designed to close.
Through Raymond A Financial, our annuity-focused practice, we work with clients across Corpus Christi, Portland, Rockport, and the wider Coastal Bend to build income strategies built around fixed and income annuities from A-rated carriers. The goal is simple: a reliable paycheck for life, without market risk, without guesswork.
Retirement Income Options We Help You Build
Each approach below serves a different need. Most clients end up combining two or more into a coordinated plan. We'll help you figure out what fits.
Income Annuities
An income annuity converts a portion of your savings into a guaranteed monthly payment — for life, or for a set period you choose. Think of it as building your own pension. You decide when the income starts. We help you size it to fill the gap between Social Security and what you actually need each month.
Retirement Income Planning
If you're not sure which products belong in your plan — or whether annuities are right for you at all — start here. We build a full picture of your income sources, expenses, and timeline before recommending anything. No product pitch until we understand your situation.
Why Coastal Bend Families Trust Us with Their Retirement
- Independent agency representing multiple A-rated carriers, including Aetna, AIG, Prudential, Transamerica, and UnitedHealthcare — we find the right fit, not the easiest commission
- MDRT (Million Dollar Round Table) certified for 2026 — a credential held by fewer than 1% of insurance professionals, earned through a client-first standard of practice
- Serving the Coastal Bend since 2008, with 55 five-star Google reviews from real local clients
- Direct access to agency owner Raymond Scott — his personal cell is available to clients, not just a call center
- Personal claim handling when you need it most — we stay involved, not just at the sale
Common Questions About Annuities and Retirement Income
How do I create guaranteed income for retirement if I don't have a pension?
An income annuity is the most direct answer. You fund it with a lump sum from savings, an IRA rollover, or a 401(k), and it pays you a fixed monthly amount for life — similar to how a pension works. We help you size the income stream to complement Social Security and cover your essential monthly expenses.
Is an annuity a good idea for retirement in Texas?
It depends on your situation. Annuities work well for people who want predictable income, don't want market exposure on a portion of their savings, or are concerned about outliving their money. They're not the right fit for everyone, and we'll tell you honestly if another approach makes more sense for your goals.
How is an annuity different from a CD?
Both offer fixed growth and principal protection, but annuities are designed for income over time, not a lump-sum payout at maturity. Income annuities pay you for life — a CD does not. Fixed annuities also typically offer higher credited rates than bank CDs and carry tax-deferred growth, which CDs don't provide.
Are there fees I should know about?
Fixed and fixed indexed annuities generally don't carry annual management fees the way investment products do. There are surrender periods — typically three to ten years — during which early withdrawals may carry a charge. We walk through all terms before you make any decision, and we don't recommend products with terms that don't fit your timeline.
Will my savings last through retirement?
That depends on your withdrawal rate, your expenses, and how your savings are structured. The risk of outliving your money is real and statistically underestimated by most pre-retirees. A guaranteed lifetime income annuity removes that risk for the portion of your savings you convert — you can't outlive a payment that's contractually guaranteed to continue for life.
Start with a
Free Retirement Income Review
A retirement review with our team takes about an hour and costs nothing. We look at your current savings, your expected Social Security benefit, your monthly income needs, and your timeline — then we show you what your options actually look like. No obligation, no pressure, no product pitch until you're ready.
Raymond Scott has helped Coastal Bend families build retirement income plans since 2008. If you have questions about whether an annuity belongs in your plan, call us directly or schedule a time that works for you.
Reviewed by Raymond Scott, Independent Insurance Agent & MDRT 2026 Member — see our About page for full credentials.
