Effective Date: May 13, 2026
Last Updated: May 13, 2026
Important Notice Regarding Fixed Indexed Annuities
Please read this disclaimer carefully before using any information or tools provided on convert401ktoannuity.com, operated by Determined Solutions Durham LLC.
1. Educational Purposes Only
All content on this website, including the 401k to Annuity Calculator, is provided solely for general educational and informational purposes. Nothing on this site should be interpreted as personalized financial advice, investment recommendations, or a solicitation to purchase any financial product.
2. Calculator Results Are Estimates Only
The monthly income figures generated by our calculator are rough estimates based on general assumptions about annuity payout rates. Actual annuity income will vary based on:
- Your age at the time of purchase
- The specific annuity carrier and product selected
- Prevailing interest rates at the time of contract issue
- The payout option selected (life only, joint life, period certain, etc.)
- State availability and carrier approval
- Applicable surrender charges, fees, and rider costs
Calculator results are not a quote, illustration, or guarantee of any income amount.
3. Fixed Indexed Annuities — Key Facts
Fixed indexed annuities (FIAs) are insurance products, not securities or investments. Important characteristics include:
- FIAs are issued by insurance companies and are subject to the claims-paying ability of the issuing carrier
- They are not FDIC insured or guaranteed by any federal or state government agency
- Interest credited is linked to a market index (such as the S&P 500) but is not a direct investment in the market
- FIAs typically include surrender charge periods during which early withdrawals may result in penalties
- Withdrawals prior to age 59½ may be subject to IRS early withdrawal penalties and ordinary income tax
- Benefits, riders, and features vary significantly by product and carrier
4. No Guarantee of Results
Past performance of any index is not indicative of future results. Any income projections shown are hypothetical and do not account for taxes, inflation, or individual financial circumstances.
5. Consult a Licensed Professional
Before making any decision to purchase an annuity or roll over retirement funds, you should consult with:
- A licensed insurance agent or broker authorized to sell annuities in your state
- A certified financial planner (CFP) or registered investment advisor (RIA)
- A qualified tax advisor or CPA regarding the tax implications of any rollover or withdrawal
6. Licensing
Determined Solutions Durham LLC is a lead generation company. We are not a licensed insurance agency, registered investment advisor, or broker-dealer. We do not sell annuities or provide personalized financial advice. Licensed insurance professionals who may contact you in response to your inquiry are solely responsible for any advice or recommendations they provide.
7. Contact Us
If you have questions about this disclaimer, please contact:
Determined Solutions Durham LLC
Attn: Bruce Paulson
Email: seo@determinedsolutions dot com