39+ Years Serving Retirees

Retirement & Annuity Services in Florida

Retirement Income Planning Florida specializes in guaranteed retirement income strategies. Explore the services below to find the right fit for your retirement goals.

What We Do

Guaranteed Income. Principal Protection. Peace of Mind.

Since 1986, John G. Ziesing has helped retirees and pre-retirees across Florida and 10 other states structure retirement income that lasts for life. our team shops more than 12 insurance carriers to find the most competitive guaranteed solutions for every client. Whether you need an annuity to close an income gap, a rollover strategy for a 401(k), or federal benefit coordination as an FRC-certified adviser, every engagement begins with a complimentary 1 hour call.

All Services

15 Retirement & Annuity Services

Each service below links to a dedicated resource page with detailed explanations, rates, and guidance.

Retirement Income Planning

Build a month-by-month income plan that covers essential expenses for life, regardless of market conditions.

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Retirement Income Gap Planning

Identify the gap between guaranteed income (SS, pension) and monthly expenses, then close it permanently.

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Financial Advisor for Retirees

Fiduciary-minded, independent advice from an adviser who has specialized in retiree finances since 1986.

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Annuity Advisor

Shop 12+ carriers with one call. John compares products across the market and explains every line item.

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Retirement Planner

A comprehensive written retirement plan coordinating assets, income sources, healthcare, and legacy goals.

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Fixed Indexed Annuity

Earn index-linked interest with a zero-loss floor. Principal is guaranteed by the issuing insurance company.

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Immediate Annuity

Convert a lump sum into income that begins within 30 days. Ideal for retirees who need income now.

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Annuity Rates

Current annuity rates across carriers, explained in plain language so you can compare apples to apples.

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Best Annuity Rates

How to evaluate annuity rates beyond the headline number: caps, participation rates, surrender schedules, and riders.

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Fixed Annuity Rates

Fixed annuities with guaranteed interest rates, zero market exposure, and FDIC-equivalent protections.

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Annuity Quotes

Get a side-by-side quote comparing guaranteed income amounts, growth potential, and contract terms across carriers.

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Annuity Calculator

Estimate monthly and lifetime income based on your premium, age, and contract type before committing.

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Annuity Payout Calculator

Model different payout scenarios: life-only, joint, period-certain, and income-rider options side by side.

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401(k) Rollover to Annuity

Roll a 401(k) into a guaranteed annuity without tax penalty. Preserve principal and create lifetime income.

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IRA Rollover to Annuity

Transfer an IRA into an annuity contract while maintaining tax-deferred status and gaining income guarantees.

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Not Sure Which Service Fits Your Situation?

Book a complimentary 1 hour call. John will listen to your goals and recommend exactly what makes sense for your retirement.

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