Our Fiduciary Promise

We act in your best interest. That means we comply with both the letter and the spirit of being an ERISA fiduciary.

Why It Matters

Doing the right things to prepare for your retirement is hard. Getting transparent retirement advice that’s in your best interest shouldn’t be.

Conflicts of Interest

Financial professionals always have some conflicts of interest, meaning that their incentives never exactly line up with yours. The best solution we’ve thought of to better align our incentives is tell you what those conflicts are and how we strive to avoid them.

The incentive to sell you something rather than nothing.

We act as a fiduciary

The problem:

Since Blueprint Income is paid on commission (by the insurer), we only generate revenue when you make a purchase. You might think it would encourage us to have you buy an annuity even when it doesn’t make sense.

We act as a fiduciary

Our solution:

We take an objective approach. That means projecting your financial situation with and without an annuity so that you have the information to decide what’s best for you. Over 60% of clients who use our Annuity Advice Tool are told NOT to buy an annuity. We don’t do that to be altruistic — we think our approach makes for happier users that are more likely to tell their friends about us, whether they themselves are clients or not.

The incentive to sell you something that gives us a higher commission, rather than what best suits your needs.

We act as a fiduciary

The problem:

Since not all insurers compensate us the same way, you might think we’d steer you towards the product where we make the most money, not the one that’s best for you.

We act as a fiduciary

Our solution:

We offer full transparency on insurers’ products, highlighting the price, credit rating, and commission they pay us. By lining up products on an apples-to-apples basis, we make their relative value clear to you so that you can make the best decision. Because the commission isn’t a direct cost to you, you truly can optimize your value just by looking at price and rating.

For Extra Good Measure

No one on the Blueprint Income team is paid on commission. Instead, we measure performance by tracking stats like customer reviews and referrals.

A Few More Things Before You Leave…

… And Our Answers

What services do you offer?

The most competitive income & fixed annuity rates possible for those that choose to buy. For everyone, free retirement income advice based on your desired spending, existing income sources, and assets.

How do you make money?

We are paid a one-time commission (typically 1- 3%) from our insurance company providers when you buy an annuity. It’s not a direct cost to you and there’s no way to buy without someone getting a commission.

Are you committed to acting in my best interests?

Yes.

We choose to act as a fiduciary and abide by ethical and legal requirements more stringent than what’s actually required of us.