A Plouton Life Fiduciary Report
Wealth isn't a transaction. It's a design decision. The annuity industry spends billions convincing retirees they need a product. At Plouton Life we ask a different question. Does this contract actually move you closer to the life you're building. Or is it moving somebody else closer to their commission check.
The Annuity Truth Report is the fiduciary breakdown we built for our own clients. A plain English tool for turning an annuity conversation from transactional to transformational. Use it before you sign anything.
The uncomfortable part
If a carrier pays 8% commission on Product A and 2% on Product B, guess which one ends up in the binder.
Income rider. Death benefit rider. Long term care rider. Each one is a fee. Each one chips away at the number you actually retire on.
A 60 page illustration with one hypothetical return on page 12 is not a financial plan. It is a prop. We'll show you the difference.
What's inside the report
The Annuity Truth Report
14 pages. Written by Pete Foldes and the Plouton advisory team.
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After the report
Step one
Twenty minutes. No call, no pitch. Most people get what they need right here.
Step two
$97. We review your actual annuity contract (or the one you're being pitched) line by line. You keep the recording and the write up, even if you never work with us.
Step three
Keep it. Swap it. Cancel inside the free look window. Or build a plan where the annuity is one instrument instead of the whole orchestra.
From our clients
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Questions
No. We hold licenses to sell them. We're anti bad annuity. There's a meaningful difference, and most of the industry counts on you not knowing it.
Read the report first. Then book the $97 diagnostic if you want a real audit. In many cases the right move is to keep the contract and optimize around it. Sometimes it's a 1035 exchange. Occasionally it's cancel inside the free look window. We tell you which, and why.
Anyone 50 or older with at least $100k in retirement assets who has been pitched an annuity or is considering one. If somebody handed you a 60 page illustration last week, this report is for you.
Only if we're the agent of record on a contract a client chose after a full fiduciary review. We disclose every dollar before you sign. If an annuity isn't right for you, our job is to say so out loud.
WELLth is how we talk about wealth that integrates health, relationships, and prosperity. Annuities only matter to the degree they serve that bigger picture. Your money has a job. Protect. Produce. Grow. Give. An annuity belongs in exactly one of those boxes. The report shows you which.
About
Plouton Life is the advisory practice founded by Pete Foldes. The mandate is simple. Help high performers move from accumulation to contribution, and stop the quiet bleeding that happens when good people trust the wrong product.
We're licensed. We're fiduciary. We run real money for real families. And we publish what we know, because the alternative is letting the industry keep setting the terms of the conversation.
Every client we take on is a ripple. The work we do with one family keeps moving outward. That's the design.
Plouton Life is a marketing brand. Insurance and annuity products are offered through licensed agents. This site is educational. It is not tax, legal, or investment advice.
Get the report. Read it twice. Then make the call.
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