"I can do better in the market." That objection kills more annuity sales than anything else. Annuity Alpha answers it with data. Deliver a side-by-side comparison of FIA income vs. brokerage account returns. Real scenarios. Real insights. Real decisions - fast.
Overcome your client’s #1 annuity objection - with clear, persuasive data. Enter client age, asset amount, and income needs, and in under 2 minutes you have a client-facing analysis.
Advisors tell us Annuity Alpha is the industry’s “Ken Fisher killer.” It clearly overcomes the #1 objection inhibiting annuity sales. Show your clients - in real dollars and cents - the value of an FIA versus what the market can deliver.
Every feature, every visualization, every data point is built to move prospects from objection to agreement. The result? Client confidence in their FIA strategy, and higher close rates on annuity conversations.
See how advisors are using Stonewood software to win larger cases and deliver better outcomes for their clients.
An advisor was working with a prospect who was a real "do-it-yourselfer" when it came to Roth conversions. The client was converting assets up their existing tax bracket – and hadn't considered any impact to IRMAA.
With Roth Done Right, the advisor was able to show an alternate pattern that sped up the conversion to 6 years. The new structure offered $30,000 savings in conversion taxes – a 20% reduction on the prospect's conversion tax bill. The report also showed hundreds of thousands of dollars in long-term tax and IRMAA savings from the converted assets – an amount the prospect hadn't been able to quantify on his own.
A new client with $1M in new AUM, and a $1M FIA sale to fund the conversion process.
An advisor was working with a prospect who already had assets with Ken Fisher. Fisher's team presented a 5% systematic withdrawal projection, so the advisor needed a stronger way to frame the income conversation.
Using the Annuity Alpha report, the advisor showed how an annuity could deliver over 8% in annual cash flow with lifetime income, plus a long-term care doubler. The contrast was clear enough that the prospect moved forward.
$1.5M placed and a $100K in new business revenue.
An advisor was working with a 58-year-old couple with an established, well-funded retirement income plan, leaving an additional $3M IRA to build out a legacy for the kids. The couple's existing advisor had no real additional plan for this money, other than to keep it in their managed account and grow that money as much as possible for the kids.
Using the Legacy Done Right report, the advisor showed the need for tax planning on this $3M IRA. According to the advisor, the simple analysis "opened up the wallet" to the Roth conversion story. The advisor then used the blended Roth/Life feature in the report to show a blend of Roth Conversion assets with some Life Insurance to help maximize the client’s legacy.
$3M in motion. The advisor picked up a $1.5M FIA sale that will be converted to Roth. And the advisor also sold a 5-Pay Protection focused IUL policy at $225,000 of premium per year.
An advisor group incorporated the Total Tax Burden report into the strategy presentation for all new prospects. They ran the tax snapshot for every new client as part of their first meeting conversation, quantifying the growing tax burden of IRA money – and illustrating the kinds of tax savings possible when working with their firm.
Starting in January of 2023, this simple analysis was presented to every single prospect who walked in the door. The goal was to differentiate their practice and drive overall revenue growth through various Roth conversion strategies.
From 2022 to 2025, new annual AUM rose from $5M to $50M. Annual FIA sales rose from $3M to $35M. And annual life premium rose from $50K to $1M.
Recommending an FIA to your prospect? Accompany every illustration with an Annuity Alpha report and stop objections before they start.
Reinforce the decisions your clients have made during your annual reviews. Annuity Alpha will show them the value of their FIA and the income they can generate.
Hosting income seminars? Annuity Alpha makes a powerful call to action. Differentiate yourself from advisors in your market with this next-level income analysis.
Every tier includes licenses for your entire team.
*Monthly pricing includes a one-time set-up fee of $329
*Monthly pricing includes a one-time set-up fee of $329
*Monthly pricing includes a one-time set-up fee of $329
Yes. Annuity Alpha can work with FIA illustration from any of today’s top carriers.
Yes. You can use Annuity Alpha reports with FIA illustrations showing both level and increasing income.
Yes. Your client’s Annuity Alpha report can be kept as a record of analysis and the decision-making process.
Annuity Alpha is the client-facing annuity comparison software advisors use to answer the question every prospect is quietly asking: Would I be better off in the market? Plug in the income number from a carrier illustration, and the report shows exactly what returns a brokerage account would need to match the annuity’s guaranteed income.
It turns the most common annuity objection into your strongest close.
You walk a prospect through a fixed indexed annuity with a strong guaranteed income rider. The income number is compelling. Then the prospect pauses and says the thing you have heard a hundred times: “But couldn’t I just do better in the market?”
It is a fair question, and one that derails many annuity conversations. The advisor offers reassurance, the prospect stays unsure, and the case drifts. The market can feel like a safe default.
Annuity Alpha was built to answer that question with real analysis a client can see. Instead of arguing market versus annuity in the abstract, you flip the question around: here is the guaranteed income this FIA can provide, and here is the return a brokerage account would need to earn, every year, to deliver the same thing. When a client sees the numbers, the conversation changes.
Annuity Alpha does one job, and does it in a way a client can follow. It takes a real guaranteed income number and reframes the comparison around the only thing the client cares about: the income they can count on.
This is the heart of the tool. You enter the guaranteed income from a carrier’s FIA illustration, and Annuity Alpha calculates the rate of return a managed or brokerage account would have to earn, year after year, to produce that same income over the client’s lifetime. Many advisors find that number is higher than a client assumed, which reframes the whole market-versus-annuity debate.
Show the guaranteed path and the market path next to each other, on realistic and reasonable assumptions. The client sees the trade-off in plain terms: a return they would need to chase in the market versus an income amount the annuity sets out to provide, subject to the claims-paying ability of the issuer.
Income that looks adequate at 70 can look very different at 90. Annuity Alpha lets you model how long a client may live and shows how longevity changes the picture, since the risk of outliving brokerage-funded income is exactly the risk a guaranteed income stream is designed to address.
The output is a clean report you can use in a client meeting, built to present the comparison fairly rather than to oversell. You run a carrier illustration, plug the guaranteed income into Annuity Alpha, and walk out of the meeting with a document that makes your recommendation easy to understand.
Annuity Alpha is illustration-agnostic. Run the FIA illustration from whichever carrier fits your client, enter the guaranteed income, and the comparison works the same way. The software does not steer you toward a product or a carrier.
Annuity Alpha is annuity comparison software for financial advisors. You run a carrier FIA illustration, enter the guaranteed income into the software, and it calculates the return a brokerage account would need to match that income over the client’s lifetime. The result is a compliant, client-facing report that helps you overcome the market-versus-annuity objection.
Run the carrier illustration. Use whichever FIA and carrier suit your client, and note the guaranteed income amount.
Enter the income amount into Annuity Alpha. With the client, establish a reasonable set of market assumptions, and the client’s longevity.
Generate the comparison. The software shows the return a brokerage account would need to match the annuity’s guaranteed income.
Have the conversation. Walk the client through the report and let the number do the persuading.
Most annuity software helps you quote a product. Annuity Alpha starts where those tools stop. It takes the illustration you already have and turns it into a comparison that answers the prospect’s real question, which is why advisors describe it as a client-conversion tool rather than a quoting engine.
“Stonewood has software that evaluates the growth needed in a brokerage account to match illustrated annuity income.” – Stonewood Financial
Annuity Alpha is part of a software suite that has run more than 114,000 client reports for over 8,000 advisors., Results vary by advisor and client situation, and the report is built to support a fair, compliant conversation rather than to promise an outcome.
Stonewood builds tools. We do not distribute annuities, participate in the commission, or push you toward one carrier over another. Annuity Alpha works with any carrier’s FIA illustration, through any IMO, on your terms.
That independence matters in an annuity conversation. The report’s job is to present the comparison fairly so your client can make an informed decision, not to sell a specific contract. The recommendation stays yours; the software just makes the math visible.
Annuity Alpha is a comparison tool for advisor use, not a guarantee of performance and not tax, investment or suitability advice. Any guaranteed income shown is hypothetical based on a carrier illustration and is subject to the claims-paying ability of the issuer. Market assumptions are illustrative, actual results can vary, and product suitability should be evaluated against the client’s full situation and the applicable best-interest standard. Tax questions should run through the client’s qualified tax professional.
Illustration and quoting tools answer “what does this product do?” Annuity Alpha answers “why this, instead of the market?” Those are different jobs.
| Capability | Annuity Alpha | Typical illustration / quoting engine |
|---|---|---|
| Core question answered | Return a brokerage account would need to match the FIA | What a product illustrates |
| FIA vs. brokerage comparison | Built in | Usually annuity-to-annuity |
| Designed to overcome the market objection | Yes | Not the focus |
| Longevity impact on income | Modeled | Varies |
| Client-facing report | Yes | Can be |
| Tied to a carrier or distribution | No. | Varies |
Annuity Alpha is available in Stonewood’s Annuity Membership alongside the Retirement Tax Bill lead-gen program, and annuity seminar and client materials. It is also included in the Premium+ Membership, which adds the full tax, Roth, legacy, and IUL software suite. Premium+ is $329 per month, or $3,200 per year, with a one-time $329 setup fee, and every membership includes licenses for your entire team.
Many advisors want to see the report before they decide. That is exactly how we recommend starting: request a sample report, see the comparison on a real scenario, then book a short demo to watch it run live.
Annuity comparison software helps an advisor compare an annuity against another approach so a client can make an informed decision. Annuity Alpha is client-facing software that takes a carrier FIA illustration and shows the return a brokerage account would need to match the annuity’s guaranteed income over the client’s lifetime.
You enter the guaranteed income amount from a carrier’s FIA illustration, along with reasonable market assumptions and the client’s longevity. Annuity Alpha then calculates the annual return a brokerage account would need to earn to produce that same income, so the client can weigh certainty against the return they would have to chase.
No. You still run the FIA illustration from your carrier of choice. Annuity Alpha takes the guaranteed income amount from that illustration and builds the brokerage comparison around it, so the two tools work together rather than one replacing the other.
Annuity Alpha is carrier-agnostic. You run the FIA illustration from whichever carrier fits your client, enter the guaranteed income amount, and the comparison works the same way. The software does not steer you toward a particular product or carrier.
The report is designed to present a fair comparison for client meetings, with guaranteed income shown subject to the claims-paying ability of the issuer and market figures shown based on assumptions made between the advisor and client. Suitability should be evaluated against the client’s full situation and the applicable best-interest standard, and Annuity Alpha is for advisor use rather than a guarantee of performance.
Annuity Alpha is included in Stonewood’s Annuity Membership and in the Premium+ Membership. Premium+ is $329 per month, or $3,200 per year, plus a one-time $329 setup fee, and every membership includes licenses for your whole team along with training and coaching.
No. Stonewood is a membership platform that can be used by advisors at any IMO. We are not an IMO. We do not distribute annuities or participate in commissions. Annuity Alpha works with any carrier’s illustration, through any IMO, so the recommendation and the relationship stay yours.
The fastest way to understand Annuity Alpha is to see a real scenario. Request a sample report, then schedule a short demo and watch it turn a carrier illustration into a closing conversation.
