Clear Guidance Before You Buy,
Review or Keep an Annuity
Whether you are looking for an annuity, reviewing an annuity recommendation, or evaluating an annuity you already own,
I'll help you make an informed decision.
Which Situation Best Describes You?
I'm interested in guaranteed interest, principal protection, or retirement income, but I'm not sure which annuity is right for me. ​​
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An advisor, bank rep, seminar presenter, or insurance agent recommended an annuity, and I'd like a second opinion before moving my money.
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I'd like to understand how my annuity works, how it has performed, and whether it's still my best option as a part of my retirement plan.
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Authority & trust
Fred Quinn
Annuity Specialist since 1982
I have had a front-row seat to how Toledo and Northwest Ohio families make the financial and emotional decisions around their retirement
and their money.
I've accumulated a few stories and lessons that have helped shape
how I work.
Why People Across Toledo & Northwest Ohio Trust Serious Money Ohio
44 years specializing in annuities
​Retirement-only focus — distribution-stage expertise
Personalized planning around you​
Straightforward, jargon-free communication​
No-pressure guidance — you decide what happens next​. Ongoing service and advice.
How I'm Paid
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The insurance company pays me a commission that is built into the product's pricing. You never write me a check.
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Commissions differ by product and generally range from 1 to 6% of the amount invested. I'll show you how each compares and answer any questions.
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Planning services like the Annuity Decision Process, Retirement Income Checkup, and existing annuity reviews are free.
Complimentary
Retirement Income Checkup
​A clear, calm review of your retirement picture — designed to surface what's working, what's silently costing you, and what's protected. Available to all of my clients and their family and friends.
Retirement income review
Tax analysis
Portfolio allocation review
Protected income evaluation
Withdrawal strategy insights
NO OFFICE VISIT REQUIRED
CLIENT VOICES
A 5-Star Reputation, Earned Quietly
"We've been clients for many years. Very satisfied with our portfolio and the trust we've built. Highly recommend."
Vinnie F.
"Fred has always been truly helpful and returns calls right away. He was especially kind when my husband passed."
Agaytha H.
"Knowledgeable and patient. He explains things in a way both of us understood — always available for our questions."
Cheryl K.
