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Financial Confidence Starts with a Guarantees.

Whether you’re planning for retirement or already in it, Chris Harding helps you build a future rooted in financial certainty.

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About us

Own an Annuity for the Guarantees, Not Hypotheticals.

Choosing the right annuity isn’t just a financial decision it’s a life decision. At Chris Harding Retirement Consulting, we focus on guaranteed outcomes. Not market guesses, not maybes. Just reliable, stable income to carry you through retirement with peace of mind. Whether you’re looking to secure income for life, grow your savings with guaranteed rates, or protect yourself against outliving your moneywe’ll help you select the annuity that fits your goals with no fluff, no pressure, and no nonsense.

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Current MYGA Fixed Annuity Rates

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Explore Annuity Options

At Chris Harding Retirement Consulting, we believe retirement should come with confidence not uncertainty. That’s why we offer a range of annuity solutions designed to meet different needs, timelines, and income goals.

INCOME RIDER

An income rider is an optional annuity feature that provides guaranteed lifetime income starting at a future date you choose. It’s ideal for those who want to grow future income while ensuring long-term financial security.

SPIA

Need income now? SPIAs offer guaranteed payments that begin immediately, turning your lump sum into a steady, personal pension perfect for retirees wanting stability and simplicity without investment risk.

MYGA

MYGAs offer a fixed interest rate for a set number of years, providing safe, predictable growth with no market risk. Ideal for conservative investors seeking steady returns and guaranteed preservation of principal.

DIA

DIAs provide guaranteed income starting at a future date you choose. By delaying payouts, you receive higher income later in life making it a smart strategy for long-term retirement planning and longevity protection.

FIA

Grow your savings with market-linked potential without market risk. FIAs combine guaranteed minimum interest with the opportunity to earn more through index performance, offering balance, growth, and long-term security.

QLAC

QLACs are designed for use within IRAs or 401(k)s, allowing you to defer income and reduce required distributions. They guarantee lifetime income later in retirement helping manage longevity risk with tax-efficient planning.

How to Buy an Annuity

Request Your Personalized Quote

Start by getting customized annuity quotes tailored to your goals. You’ll be able to review multiple options, ask questions, and take your time deciding what works best for your retirement plan.

Connect with Our Team

Once you're ready, schedule a call with our team. We'll walk you through the next steps, help you choose the right solution, and complete your application together.

We Handle the Paperwork

No need to worry about the fine print. We’ll handle all the paperwork and submit your application to the annuity carrier, keeping you informed throughout the process.

Receive Your Final Contract

After your funds are applied, we’ll secure your policy with the carrier and send you the finalized contract. We’ll double-check everything for accuracy and remain available to support you at every step.

Testimonials

⭐⭐⭐⭐⭐
I’d spent weeks trying to make sense of retirement income options. Chris broke everything down clearly and helped me choose the right annuity with zero pressure. I finally feel secure about my future.

    Barbara T

    Scottsdale, AZ

    ⭐⭐⭐⭐⭐
    From our first call to signing the final contract, Chris and his team were professional, responsive, and patient. I never felt rushed. I’m so glad I found someone I can trust.

      Michael S.

      Austin, TX

      ⭐⭐⭐⭐⭐
      Chris explained every option thoroughly, gave me space to decide, and never pushed a product. He genuinely cares about doing what’s best for you. That’s rare in this industry.

        Ron D

        Boise, ID

        ⭐⭐⭐⭐⭐
        Before working with Chris, I was anxious about outliving my savings. He helped me build a plan with guaranteed income I can count on. Peace of mind is priceless.

          Linda M

          Tampa, FL

          ⭐⭐⭐⭐⭐
          Chris explained every option thoroughly, gave me space to decide, and never pushed a product. He genuinely cares about doing what’s best for you. That’s rare in this industry.

            Ron D

            Boise, ID

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