Guaranteed income
A monthly paycheck that continues for life, structured through annuity contracts with top‑rated carriers. Predictable in any market.
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We help pre‑retirees and retirees build a paycheck that continues for the rest of their lives, protected from market losses, designed for tax efficiency, and explained in plain English.
A monthly paycheck that continues for life, structured through annuity contracts with top‑rated carriers. Predictable in any market.
Products that guarantee zero as your floor in a down year. You participate in gains, you never share the losses.
Tax‑deferred accumulation and thoughtful distribution strategy, coordinated with your CPA so what you keep is maximized.
The average American retiring today can reasonably expect three decades of life after their last paycheck. The portfolio designed for a 20‑year retirement is being asked to stretch across 30. That is a very different math problem.
Sequence‑of‑returns risk is the quiet danger of the first five retirement years. A 30% drawdown right after you stop earning is not the same as a 30% drawdown at 45. The recovery doesn't come back the same way.
A portfolio funding groceries, taxes, and Medicare loses the compounding luxury of time. What felt like plenty at 62 often feels thinner by 78, unless the income side is engineered separately from the growth side.
Accumulation got you here. Distribution is a different discipline, and it's the one that determines whether retirement feels calm or crowded.
No pressure, no quotas, no "one product fits all." We work through it at your pace, most people take 2–4 weeks from first call to a finalized plan.
We listen first. What's working, what isn't, what keeps you up at 3 a.m. No products are discussed. No pressure. If we aren't the right fit, we'll tell you.
We model your Social Security, pensions, portfolio income, and expected expenses, year by year, through age 95. You see the gaps, the buffers, and the what‑ifs before we suggest anything.
We compare 2–3 strategies side by side, explain the trade‑offs, and answer every question you have. You never sign on the first meeting.
Annual reviews, proactive calls when things change in your life or in the tax code, and a real person on the other end of the phone, not a call center.
Hypothetical for illustration only. A market‑only portfolio absorbs a full sequence‑of‑returns shock in year three. A protected‑income allocation maintains the monthly paycheck while a separate growth sleeve participates in the recovery.
This chart is for educational purposes and does not represent any specific product, return, or performance guarantee. Ask us for the carrier illustrations that fit your actual situation.
Fairmont is led by a Series 65 and Series 63 licensed Investment Adviser Representative, with appointments across a curated list of top‑rated insurance carriers. We aren't captive to any single product shelf.
Annuity guarantees are backed by the financial strength and claims‑paying ability of the issuing insurance company. Product availability varies by state.
“It's the first year of retirement I haven't checked the market every morning. That alone was worth it.”R.M. · client since 2022 · Naples, FL
“They walked us through the options three different ways until we actually understood what we were buying.”D. & K.S. · clients since 2023 · The Villages, FL
“No pressure, no scripts. Just a real conversation about what we were trying to protect.”J.P. · client since 2021 · Sarasota, FL
“Our CPA reviewed the plan before we signed. Everything held up.”E.L. · client since 2024 · Austin, TX
“I'd worked with two advisors before Fairmont. This is the first time I felt listened to.”M.B. · client since 2023 · Charleston, SC
Don't see yours? Bring it to the 30‑minute discovery call, we answer everything, even the ones that embarrass other advisors.
Some are. Many aren't. The annuity category contains a dozen very different products, some with high fees and long surrender periods, others with no fees at all. Our job is to tell you honestly which one (if any) fits your situation, and to show you the trade‑offs in writing.
When a client chooses to place an annuity, the issuing carrier pays us a commission. You pay nothing additional out of pocket, and it doesn't come out of your premium. We'll show you the number before you sign.
Every annuity contract in every state includes a free‑look period, typically 10 to 30 days, during which you can cancel with no penalty. We'll make sure you understand the specific terms before anything is signed.
Usually not all of it. A well‑designed plan typically allocates only a portion to protected income, the part that covers essentials, while the rest continues to be invested for growth, often with your existing advisor.
Yes. We're licensed and work with clients in all 50 states. Most client relationships are conducted by video and phone, with in‑person available for Florida clients on request.
Nothing, ever. Our clients never pay us directly. When a plan includes an annuity, the issuing carrier compensates us. That's true whether it's the first meeting, the tenth, or an annual review ten years in. There is no hourly fee, no planning fee, and no charge deducted from your premium.
If we're the right fit, you'll know. If we're not, we'll point you toward someone who is. Either way, you'll leave the call with a clearer picture than you arrived with.