Plain-English, educational answers to the questions Ohio families ask Mark most. All figures are hypothetical and illustrative — for your specific numbers, book a free review.
McCanney Advisors is an independent retirement-planning and insurance firm in Columbus, Ohio. We help families turn savings into reliable retirement income, review existing annuities, and stress-test portfolios against market, inflation, and long-term-care scenarios. The initial analysis is free and educational — you see the math before any product is discussed.
Yes. The first analysis is complimentary and carries no obligation. You see your numbers and your options before deciding whether to work together — numbers first, no pressure.
A fixed indexed annuity is an insurance contract that credits interest based in part on a market index, subject to caps or participation rates, while protecting your principal from market losses (a 0% floor). Any returns shown are hypothetical and illustrative and are not guaranteed beyond a contract's stated minimums. Whether an FIA fits you depends on your goals — that's what a review determines.
Both are often used for the more conservative part of a portfolio, but they behave differently. Bond prices can fall when interest rates rise, whereas an FIA's principal is not exposed to market losses. They also differ on liquidity, fees, caps, and access to your money. A side-by-side comparison built from your actual numbers is the only honest way to weigh them.
Annuities typically have a surrender schedule during which withdrawals above a set amount may incur charges, and terms vary widely by contract. Understanding the surrender schedule, fees, and access rules is a core part of any review — before you decide anything.
A direct transfer or rollover between qualified accounts is generally not a taxable event when it's done correctly. Tax rules are individual and can change, so confirm your specific situation with a tax professional. We can walk you through how a transfer works mechanically.
Long-term care is one of retirement's largest unknowns, and Medicare does not cover most custodial care. Options include hybrid life/LTC products and annuities with LTC riders that can provide a benefit if you need care and still pass value to your heirs if you don't. The right approach depends on your health, assets, and goals.
Mark is an independent, licensed insurance producer (OH License #579496) and holds a Series 65. The process is education-first: you see a stress-tested picture of your situation, and any recommendation is explained in plain language with the trade-offs laid out. No company scripts, no quotas.
You bring recent statements — 401(k), IRA, annuity, brokerage. Mark models your actual portfolio under several real-world scenarios and shows you a clear, visual breakdown of where you stand and where improvements may exist. You leave with a clearer picture whether or not you work together.
We're based at 921 Chatham Ln, Suite 302, Columbus, OH 43221, and licensed to serve clients in 12 states. You can reach Mark directly at (614) 214-6668.