Turn Savings Into a Paycheck for Life
This easy guide shows how the right annuity can lock in income for life, without the market ups-and-downs.
No obligation • 100% Free
by Hale & Associates • Family-Owned Since 1983
Send Me My Understanding Annuities Guide
from Hale & Associates
41 Years of Trusted Service • No Obligation • 100% Free
A Message From Our Executive Vice President
Learn how we can help secure your retirement
Wayne Miller
Executive Vice President
Meet Your Financial Security Team
Family-owned since 1983, we've helped thousands of families nationwide secure their retirement income with honest guidance and no-pressure education.
Duke Hale
President & Founder
Former COO of $4B American Isuzu • CEO of Lotus Holdings • President of NASDAQ Starcraft
"My corporate leadership experience helps me understand the importance of protecting your life's work. After 41+ years guiding families, I still find joy in creating retirement security."
Wayne Miller
Vice President
UMass Finance & Economics • Former MBNA/Bank of America • CitiGroup Branch Manager
"With 22+ years in finance and 15 years at Hale, I've learned that successful retirement planning starts with listening. Your goals drive our recommendations."
BBB A+ Rated
Maintaining the highest standards of business ethics
41+ Years
Serving California families with trusted guidance
No Pressure
Education first, your decision always
Ready to discuss your retirement income options with advisors who put your interests first?
How We Can Help You
Reviewing Your Portfolio And Goals
We help you understand your current financial situation and retirement goals.
Providing An In-Depth Annuity Guide
Learn everything you need to know about annuities and how they work.
Evaluating Your Financial Plan
We take a deep dive into your portfolio and offer an complementary analysis
Discussing Annuity Options
Explore different annuity types to find the best fit for your retirement needs.
Existing Annuity Analysis
We comprehensively evaluate your current annuity to uncover hidden costs, maximize income potential, and ensure it aligns with your retirement goals.
Worried About Market Swings?
Annuities transform part of your savings into a reliable monthly paycheck, backed by an insurer.
1. You contribute
When you purchase an annuity, you're giving a premium payment to a highly rated insurance company.
2. The Insurer's Role
they take on the responsibility of growing and protecting that money — and eventually turning it into guaranteed income for your retirement
3. You Receive Guaranteed Income
Think of it as transferring risk from you to the insurer, so you can enjoy steady, reliable income—no matter what the market does.
The result: predictable income, less sleepless-night risk.
Annuity Benefits
Lifetime Paychecks
Turn a share of your nest egg into a dependable monthly paycheck that keeps arriving for as long as you live, removing the fear of outliving your hard-earned savings.
Tax-Deferred Growth
Let earnings compound inside the annuity to tax-deferred so your balance has the potential to have compounding interest , so your balance can grow faster until you activate income and potentially enjoy withdrawals in a lower tax bracket.
Principal Protection
Fixed and fixed-indexed annuities place a protective floor under your money, ensuring that market downturns cannot erode your principal or previously credited interest. Protect your premium from any downside.
Made-to-Measure
Choose start dates, cost-of-living increases, and optional long-term-care riders to build a contract that aligns perfectly with your lifestyle, health needs, and family goals.
Leave a Legacy
Built-in or optional death benefits pass any remaining value straight to your beneficiaries, bypassing probate delays and giving loved ones immediate financial support.
Inflation Guard
Add an automatic annual increase feature that raises your payments to help offset rising prices, preserving your buying power throughout a long retirement.
Guiding Retirees Toward Peace-of-Mind Income
Hale & Associates is committed to one goal: helping you turn decades of hard-earned savings into the worry-free retirement you deserve—without confusing jargon or high-pressure sales.
Tell Us Your Vision—We'll Map the Income Plan
Share a few details below. Our specialists will send your guide and outline options tailored to your goals, risk comfort, and family needs—at no cost or obligation.
Your Questions Answered
Yes! We are fully licensed in California (CA LIC #0G30788) and have been serving families since 1983. Our advisors maintain all required certifications and continuing education.
We maintain an A+ rating with the Better Business Bureau, reflecting our commitment to ethical business practices and customer satisfaction over our 41 years in business.
Absolutely none. Our guide is completely free, and there's no obligation to purchase anything. We believe in education first, with no high-pressure sales tactics.
Hale & Associates has been proudly serving families since 1983. That's over 41 years of helping retirees secure their financial future with trusted annuity solutions.
You'll receive your free guide immediately via email. A licensed advisor may follow up to see if you have any questions, but there's never any pressure to buy anything.
Secure Your Money & Create Lifetime Income
Discover how to protect your savings from market volatility while locking in guaranteed payments for life.