Independent annuity guidance·Serving families in all 50 states
Talk to a real person: (319) 304-1475
Independent · Licensed in all 50 states

Retirement income shouldn’t be guesswork.

We help people within ten years of retirement protect what they’ve saved and turn it into income that lasts as long as they do — in plain English, with no pressure and no cost to you.

✓ No cost, ever✓ No obligation✓ A-rated carriers only
Jay Hickman, Head Advisor
Jay HickmanHead Advisor · Your first call, answered by a real person
50states licensed
A-ratedinsurance carriers only
$0cost to work with us — the carrier pays us, not you
100%independent — no carrier owns us
Verifiedas of August 2026
The third way

Between Stock Market risk and money going nowhere.

Most people near retirement are offered two bad choices: stay in the market and hope, or park it somewhere safe and watch it stall. There’s a third way — and it comes down to two jobs your money can do.

Job one

Grow it — protected.

A fixed indexed annuity grows with the market’s good years and is shielded from its bad ones.

  • Your principal is protected from market loss
  • Growth is linked to an index — you share the upside
  • Taxes are deferred until you take income
How fixed indexed annuities work
Job two

Turn it into a paycheck.

An income annuity converts part of your savings into a monthly deposit that arrives for life.

  • Income guaranteed for life — however long that is*
  • Know your exact monthly number before you commit
  • Options that cover both you and your spouse
How lifetime income works
How it works

Three conversations. Zero pressure.

Tell us where you stand

A 15-minute call about what you’ve saved, what worries you, and what retirement should look like. We listen first.

with Brian — Advisor

See your options side by side

Jay shops A-rated carriers and shows you real numbers on paper — including what he earns, and when an annuity is the wrong answer.

with Jay — Head Advisor

Decide on your timeline

Take the paperwork home. Talk to your kids, your CPA, your neighbor. It’s your money — we move at your speed.

you decide — no pressure, ever
Who you’ll actually talk to

Real people. Real licenses. Real phone number.

No call centers, no “editorial team.” When you call Prairie Guardian, these are the people who answer.

Jay Hickman
Jay HickmanHead Advisor
Lee Weber
Lee WeberCo-Founder & Advisor
Brian Mitchell
Brian MitchellCo-Founder & Advisor
DJ Hodges
DJ HodgesAdvisor
Anne Butler
Anne ButlerClient Coordinator · Licensed Agent
We shop the market for you

Backed by America’s strongest carriers.

Mutual of Omaha
F&G Annuities & Life
Banner Life
SBLI Est. 1907
+ 20 more A-rated carriers

Every carrier we recommend holds an A rating or better from A.M. Best — the industry’s independent financial-strength scorekeeper. If a carrier can’t pass that bar, we don’t show it to you.

Straight answers

The questions everyone asks.
Answered without the fine print voice.

What does it cost to work with you?
Nothing — and that’s not a gimmick. Like every annuity agency, we’re paid a commission by the insurance carrier when you choose a product. You pay the same premium whether you buy through us or walk in the carrier’s front door. The difference: we compare carriers against each other, and we’ll show you what we earn.
Can I lose money in a fixed indexed annuity?
Your principal is protected from market loss — when the index drops, your account value doesn’t fall with it. What you can give up is liquidity: pulling money out early can trigger surrender charges. That’s exactly the kind of trade-off we put on the table before you decide anything.
Is an annuity right for everyone?
No — and we’ll tell you when it isn’t. If you need full access to your money, if your health suggests a shorter horizon, or if your savings are still growing faster elsewhere, an annuity may be the wrong tool. About one in three people we talk to hears exactly that from us.
What does “guaranteed income for life” actually mean?
It means the insurance carrier is contractually obligated to send you a check every month for as long as you live — even if you live to 105. Those guarantees are backed by the claims-paying ability of the issuing insurer, which is why we only work with A-rated companies.
Which states do you serve?
All 50. Wherever you live in the U.S., we’re licensed to help.

Stop guessing. Start knowing.

Ten minutes with a real advisor beats ten years of wondering if you’ll be okay.

Prefer the phone? Call (319) 304-1475 — a person answers.