Overview

Your annuity was supposed to grow your retirement. So why does it feel like you're standing still?You did everything right. You saved. You invested. You chose an annuity for safety and growth without market risk. But your statement tells a different story-modest gains, if any. The market climbs and your account barely moves. Fees you weren't told about. Features you may not need. And every time you ask your advisor: ""Just give it time."" Here's what nobody told you: it's not your fault. It's a system built on captive advisors, layered fee structures, buried conflicts of interest, and product designs that quietly shift in the carrier's favor after you sign. Even doctors, engineers, and business owners get caught-because the information you'd need to spot it simply isn't available to you. But hundreds of retirees have already fixed this. Here's what they found: - A retired Lockheed Martin employee recovered $105,000 on his $800,000 account that was bleeding out in fees and poor positioning - An ER physician who'd just lost $400,000 with a ""trusted"" advisor discovered $51,483 in improvements once he finally saw behind the curtain - A retired couple ""treading water"" uncovered $133,650 in savings on their $607,500 portfolio - A widow inherited an underperforming annuity and improved her situation by $108,600 - A refinery manager and his wife found $113,683 in improvements across $700,000 in annuities Every name is real. Every dollar amount is real. Every story shared with permission. These aren't outlier results-this is what happens when someone finally shows you the full picture. How is this possible? In 2023, several of the largest insurance carriers opened up aggressive replacement rules-offering transfer bonuses as high as 22.5%-to win business from competitors. That created a window of opportunity that most advisors will never mention, because the system they work in won't let them. Fix My Annuity(TM) is the insider playbook. Written by Mark Stoecker-an independent fiduciary with 34 years in financial services, dual licenses in insurance and investment advisory, and access to 30+ top carriers-it reveals exactly how to tell whether your annuity is working for you or quietly working against you. You'll also get a complete Annuities 101 education covering growth calculations, income riders, bonus structures, and variable vs. fixed index products-plus a built-in diagnostic tool (Section 7) that walks you through the exact questions to determine if your annuity has a fixable problem. If you're 55-80, own a fixed index or variable annuity worth $200K+ that's at least 3 years old, and something hasn't felt right-this is the book your advisor hopes you never read.

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