Grow and Protect Your Retirement Income
With Guaranteed Monthly Payments
Backed by America's Top A-Rated Insurance Carriers
Watch Before Your Call
Take two minutes to understand how a safe money annuity could change your retirement. Then book your free review below.
What Our Clients Say
"Renee took the time to explain everything in plain English. After years of worrying about market swings, we finally have peace of mind. The guaranteed income means we can actually enjoy retirement without constantly checking our portfolio."
Margaret & David H.
Scottsdale, AZ
"I had no idea an 18% upfront bonus was even possible. Renee walked me through every option and never once pressured me. Best financial decision I've made heading into retirement."
Robert T.
Nashville, TN
"We worked with two other advisors before finding Renee. She was the only one who actually showed us how to draw down our savings efficiently in retirement — not just grow them. The difference is night and day."
Susan & James K.
Denver, CO
"I was terrified of outliving my savings. Renee found me a plan with guaranteed monthly payments for life and a health rider I didn't even know existed. The whole process was honest, thorough, and stress-free."
Patricia M.
Austin, TX
"Our previous financial advisor never once mentioned annuities. Renee explained exactly why — and then showed us a strategy that protects our principal while still giving us growth. We wish we'd found her sooner."
Gary & Linda F.
Charlotte, NC
"Renee is licensed across the country for a reason — she knows every major carrier and finds the best fit for your specific situation. I got a 15% bonus on day one and zero market risk. Couldn't be happier."
Thomas B.
Portland, OR
Trusted A-Rated Insurance Carriers We Work With
Your Retirement Deserves a Real Plan
Complete the short survey below and we'll schedule your free, no-obligation retirement review. Spots fill up fast — don't wait until the next market dip to take action.
What You'll Learn on Our Call
In just 20 minutes, we'll show you exactly how to protect and grow your retirement — no jargon, no pressure.
Up to 18% Upfront Bonus
Top-rated carriers offer significant day-one incentives, potentially adding thousands to your retirement savings before your money even starts growing.
100% Market Protection
Your principal is never exposed to market losses. When the market drops, your balance stays exactly where it is — guaranteed.
Tax-Advantaged Lifetime Income
Generate dependable, guaranteed monthly income in retirement with favorable tax treatment — income you can never outlive.
Enhanced Income for Health Events
Many plans include riders that increase your monthly income if you experience a qualifying health event — like a chronic illness, home care need, or nursing facility stay.
Why Families Choose Pinnacle
Most advisors are locked into one or two carriers. We're independent — and that means we work for you, not for an insurance company.
25+ Brokerage Relationships
We partner with over 25 independent brokerages offering 60 to 70 annuity products. That means we shop the entire market — not just one company's shelf.
A-Rated Carriers Only
We exclusively recommend carriers with A-ratings or higher from AM Best. These are companies with proven rate integrity and financial stability — the ones that will be here when you need them most.
No-Fee & Low-Fee Strategies
Many of the annuities we recommend have zero annual fees or minimal costs. We focus on strategies that put more of your money to work — not into someone else's pocket.
Honest & Caring Guidance
We believe retirement planning is personal. You'll work with advisors who listen first, explain clearly, and never pressure you into a decision that isn't right for your family.
State-Guaranteed Protection
Every annuity is backed by your state's guaranty association — an additional layer of protection that safeguards your money, similar to how the FDIC protects bank deposits.
Why Hasn't Your Financial Advisor
Told You About This?
Here's the truth most people don't hear: traditional financial planning is built on principles from the 1940s. The 60/40 portfolio, the 4% withdrawal rule, the "stay the course" mantra — these strategies were designed for a different era with different markets, different lifespans, and different risks.
Meanwhile, modern fixed index annuities have evolved dramatically. Today's products offer upfront bonuses, guaranteed lifetime income, enhanced health riders, and zero-fee structures that simply didn't exist a decade ago. But most traditional advisors aren't trained on these tools — and many aren't licensed to offer them.
Your financial advisor was trained to do one thing well: accumulate your wealth during your working years. But retirement is a completely different phase. It requires a completely different skill set — one focused on efficiently and strategically drawing down money so it lasts your entire lifetime. These are two fundamentally different disciplines, and most accumulation-focused advisors are unfamiliar with the distribution strategies that could protect your retirement.
And let's be candid: it's not in their best interest to teach you how to move money out of the accounts they manage. When your assets leave their platform, their fees go with them.
Your Money Is Protected by State Law
Every annuity we recommend is backed by your state's guaranty association — an additional safety net that protects policyholders, similar to how the FDIC insures bank deposits. This means even in the unlikely event of a carrier issue, your money has a legally mandated layer of protection.
Meet the Team
Renee Silver
Owner & President · Pinnacle Annuity Group
I left corporate finance because too many people were navigating retirement with vague, impersonal advice — or worse, no advice at all. That didn't sit right with me. So I built something different.
With over 15 years of experience in finance and insurance, I specialize in Safe Money Planning — protecting what you've saved while creating reliable, guaranteed retirement income. My philosophy centers on thirty one-year plans, not one rigid thirty-year plan. Your strategy should evolve with your life.
I'm a mother of four, raised in Minnesota, now based in Florida. I learned patience and foresight in the quiet woods — lessons that still guide how I approach every client's retirement. You'll get direct answers, clear explanations, and a plan built specifically for your life. Never a one-size-fits-all template.
The Team Behind Your Plan
Chris Silver
Operations Manager
With 23 years of experience in financial operations, Chris ensures every client experience runs seamlessly from first contact to final plan delivery.
Mike Thomas
Retirement Specialist
Mike specializes in helping pre-retirees in their 50s and 60s transition from accumulation to guaranteed income strategies with confidence.
Ron Ogilvie
Retirement Specialist
Ron brings a background in tax planning and estate strategy, helping clients maximize legacy benefits while securing lifetime income.
Our Services
A complete suite of retirement and wealth protection strategies — built around your life, not a one-size-fits-all template.
Fixed Indexed Annuities
Principal-protected growth linked to market indices with guaranteed lifetime income. Zero market risk, zero fees — and upfront bonuses up to 18%.
- Guaranteed lifetime income
- Principal protection
- Tax-deferred growth
- Flexible payout options
Retirement Income Planning
Turn your savings into a reliable, lifetime income stream. We specialize in distribution strategies — not just accumulation — so your money lasts.
- Income gap analysis
- Social Security optimization
- Drawdown sequencing
- Inflation-adjusted income
Life Insurance
From term to permanent coverage, we match you with the right policy from A-rated carriers to protect your family and build long-term value.
- Term & whole life
- Indexed Universal Life (IUL)
- Death benefit protection
- Tax-free cash value access
Estate Planning & Trusts
Preserve your wealth and ensure it transfers efficiently to the next generation — minimizing taxes and avoiding probate.
- Trust creation & funding
- Probate avoidance
- Wealth transfer planning
- Charitable giving structures
IRA & Pension Rollovers
Consolidate scattered retirement accounts and move your savings into strategies that offer greater control, protection, and income potential.
- Tax-deferred rollover
- 401(k) & pension transfers
- Wider investment options
- Professional allocation guidance
Roth IRA Conversions
Convert traditional retirement savings into tax-free income — reducing your future tax liability and giving your heirs a cleaner inheritance.
- Tax-free withdrawals
- No RMDs in retirement
- Estate planning benefits
- Hedge against tax increases
Protect Your Legacy
The right annuity doesn't just guarantee your income — it protects the wealth you pass on. Many plans include enhanced death benefits that ensure your beneficiaries receive the full value of your account regardless of market conditions. Unlike traditional investments that can lose value when your family needs them most, annuities with legacy riders provide a guaranteed minimum payout to your heirs — and some offer a growing benefit that increases over time.
Moving Forward in the Next 30–60 Days?
If you're seriously considering an annuity and plan to take action within the next 30 to 60 days, we'll include a complimentary second-opinion review of any existing annuity or retirement plan you already have — at no additional cost.
Here's What Happens Next
Complete the 60-Second Survey
Answer a few quick questions so we can understand your retirement goals and current situation.
We Call You Within 24 Hours
A licensed retirement specialist will reach out to schedule your free, no-obligation review.
Get Your Personalized Plan
Receive a custom retirement income strategy tailored to your specific needs and timeline.
Still Have Questions? Let's Talk.
Take 60 seconds to complete the survey below and Renee will personally reach out to answer every question — with no sales pressure, ever.
Contact Us
We serve clients across all 50 states. Our main office is located in Melbourne, Florida.
Get In Touch
Phone
(321) 321-2974Main Office
Melbourne, Florida
Access to write in all 50 states
Renee Silver is Owner & President of Pinnacle Annuity Group — an agency of retirement income specialists dedicated to helping families protect and grow their savings.