your solution for protected lifetime income


An annuity is a financial product that provides a stream of payments to an individual in exchange for a premium or series of premiums. There are two main types of annuities: immediate and deferred.

what problems do annuities solve?

Generating retirement income: Annuities can provide a stream of income during retirement.

Managing longevity risk

Providing financial security in the event of the unexpected

why so confusing?

Lack of financial literacy: Annuities can be complex financial products which need to be explained and understood.

For a variety of reasons, the brokerage industry is inherently built to discourage annuities.


Confused by all the terminology? Download this glossary by clicking here.

your task: define your objective

With every financial contract, the #1 thing to consider is to accurately define the objective. It’s the vital first step, because it is easy to be distracted by advertisements and negativity.

We talk, to help you refine your objective to identify an annuity to fit your needs. We will answer every question until you are satisfied that an annuity fits your situation. If it does not suit you, if you do not understand them, we will not recommend them to you.

our task: explain the Many Choices

Annuities come in many different shapes and size.

Immediate, Fixed, Deferred: these are the main types. There will be different language to define exactly what you will receive and when. We will make sure that you understand everything, before you proceed.

You will have questions, and rightfully so. We will have the answers


explainer videos


Annuities can be intimidating and there is a great deal of misinformation. 

You can contact us directly by filling out the form, and one of our team will reach out to you, your information will not be sold or shared with anyone, that’s our guarantee.

10 + 7 =

ABOUT jae oh, cfp

Jae W. Oh, MBA, CFP®, CLU® ChFC® is the Managing Principal of GH2 Benefits, LLC. He is a Certified Financial Planner, Chartered Life Underwriter, a Chartered Finanncial Consultant, and a licensed insurance producer in multiple states.

Mr. Oh is an Education Fellow at the Alliance For Lifetime Income (

He is the author of Maximize Your Medicare (Allworth Press). nationally-recognized Medicare expert, frequently quoted in the national media, including,, Fox Radio News contributor and lead contributor to

Mr. Oh has been a speaker in front of disability attorneys on multiple occasions, including the State Bar of Michigan.

Annuities are a viable solution as part of a comprehensive financial plan. I have take the time to clearly and accurately annuities to people nationwide, and will do so for you.