Income for the years ahead.
Understand how an annuity could turn part of your savings into a stream of retirement income, and what you give up in exchange.
Explore lifetime incomeLooking ahead with you.
A clearer path
to retirement.
You’ve spent a lifetime building your savings. Let’s make sense of what comes next.
Straightforward annuity guidance to help you understand your income options, protect what matters, and make a decision that feels considered.
A real person. A thoughtful conversation. No pressure.
Independent by design.Explore options from multiple carriers.
Personal from the start.A team you can get to know.
Your pace. Your decision.Space to ask, understand, and consider.
A familiar face. An honest conversation.
People you can
get to know.
Prairie Guardian is built around personal guidance. These are the people behind the name.
We bring the questions back to what matters: your plans, your family, and the life you want your savings to support.
Iowa City, Iowa
Jay Hickman
Consultant
Brian Mitchell
Co-Founder
Lee Weber
Co-Founder
Anne Butler
Client Coordinator
Joe Carballo
Advisor
DJ Hodges
AdvisorYour next chapter
What do you need your savings to do?
Retirement looks different for everyone. The right conversation starts with your life, your priorities, and the choices in front of you.
Steady guidance.Grounded in you.
Growth with a different balance.
Explore fixed indexed annuities, including how interest is credited, protection from index losses, and the limits on growth and access to your money.
Understand your annuity optionsAnnuities are insurance products. Benefits, restrictions, charges, and guarantees vary by contract and issuing insurer.
The way we work
Good guidance starts
with listening.
You don’t need to arrive with all the answers.
That’s what the conversation is for.
Begin with your life.
Tell us what you’ve saved, what you’re planning, and what’s on your mind. We start by understanding the job your money needs to do.
Make the choices clear.
Look at the options together. Talk through income, access, costs, and limitations in plain English, including whether an annuity fits at all.
Decide in your own time.
Ask another question. Include your spouse. Take time to think. A good decision is one you understand and feel comfortable making.
A clear explanation is always a good place to start.
Let’s talk it throughCarriers we work with.
We compare options from multiple insurance companies to help you find a fit for your retirement plans.
+ 20 more A-rated carriers
A little more clarity
Good questions.
Straight answers.
Because understanding the details should be part of every retirement decision.
Ask us a questionWhat does it cost to work with you?
We’re paid a commission by the insurance carrier if you choose a product. There is no separate fee for the conversation. A policy may have its own charges and restrictions, which are part of what you should understand before deciding.
Is an annuity right for everyone?
No. Whether it fits depends on your income needs, time horizon, access to other savings, and the terms of the contract. The conversation should include the reasons an annuity might not be right for you.
What does “protection” actually mean?
A fixed indexed annuity generally does not credit a negative interest rate because its index falls. That does not remove every risk or cost. Charges, withdrawals, contract terms, and the insurer’s financial strength still matter.
Can I access my money if I need it?
Access depends on the annuity contract. Some allow limited withdrawals without surrender charges. Taking more, or ending the contract early, may result in charges or adjustments. We can walk through the specific terms with you.
What should I bring to a first conversation?
Your questions are a good start. It also helps to have a general idea of your retirement timeline, savings, expected income, and expenses. You don’t need a finished plan before you reach out.
The path ahead
Let’s start with
a conversation.
Bring your questions. We’ll help you see the choices.
Start a conversationNo obligation. Just a place to begin.