{"id":888,"date":"2026-03-04T15:38:52","date_gmt":"2026-03-04T15:38:52","guid":{"rendered":"https:\/\/bookmark4.com\/dev\/ward\/?page_id=888"},"modified":"2026-05-21T19:14:23","modified_gmt":"2026-05-21T19:14:23","slug":"refinancing-annuities","status":"publish","type":"page","link":"https:\/\/bookmark4.com\/dev\/ward\/refinancing-annuities\/","title":{"rendered":"Refinancing Annuities"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"888\" class=\"elementor elementor-888\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5752838 e-flex e-con-boxed e-con e-parent\" data-id=\"5752838\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c4786a2 e-con-full e-flex e-con e-child\" data-id=\"c4786a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b1b2a7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8b1b2a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b11b372 e-flex e-con-boxed e-con e-parent\" data-id=\"b11b372\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-404237b e-con-full e-flex e-con e-child\" data-id=\"404237b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ffdcdf elementor-widget elementor-widget-image\" data-id=\"4ffdcdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/bookmark4.com\/dev\/ward\/wp-content\/uploads\/2025\/11\/clay-1024x682.jpg\" class=\"attachment-large size-large wp-image-418\" alt=\"\" srcset=\"https:\/\/bookmark4.com\/dev\/ward\/wp-content\/uploads\/2025\/11\/clay-1024x682.jpg 1024w, https:\/\/bookmark4.com\/dev\/ward\/wp-content\/uploads\/2025\/11\/clay-300x200.jpg 300w, https:\/\/bookmark4.com\/dev\/ward\/wp-content\/uploads\/2025\/11\/clay-768x511.jpg 768w, https:\/\/bookmark4.com\/dev\/ward\/wp-content\/uploads\/2025\/11\/clay-1536x1022.jpg 1536w, https:\/\/bookmark4.com\/dev\/ward\/wp-content\/uploads\/2025\/11\/clay.jpg 1800w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29c23a7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"29c23a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:900}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reviewing Existing Contracts to Ensure They Still Fit Your Plan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2a38db elementor-widget elementor-widget-text-editor\" data-id=\"e2a38db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"350\" data-end=\"436\">Financial strategies should evolve as markets change and your goals develop over time.<\/p><p data-start=\"438\" data-end=\"788\">If you purchased an annuity years ago, there may be newer options available with different features, updated interest rates, or improved income potential. Refinancing an annuity is the process of reviewing an existing contract and determining whether repositioning those funds into a new annuity may better support your long-term retirement strategy.<\/p><p data-start=\"790\" data-end=\"961\">At <strong data-start=\"793\" data-end=\"811\">Ward Financial<\/strong>, we help clients carefully evaluate their current annuity contracts and determine whether keeping, adjusting, or replacing them makes the most sense.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28900e1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"28900e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Does It Mean to Refinance an Annuity?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22972ff elementor-widget elementor-widget-text-editor\" data-id=\"22972ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1015\" data-end=\"1212\">Refinancing an annuity generally involves transferring funds from an existing annuity contract into a new annuity that may offer improved benefits or better align with your current financial goals.<\/p><p data-start=\"1214\" data-end=\"1413\">This is typically accomplished through a <strong data-start=\"1255\" data-end=\"1272\">1035 exchange<\/strong>, a provision in the tax code that allows you to transfer funds between annuity contracts without triggering immediate taxation on the gains.<\/p><p data-start=\"1415\" data-end=\"1512\">However, every situation is unique, and a thorough review is important before making any changes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83dbfa4 elementor-widget elementor-widget-spacer\" data-id=\"83dbfa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33425a8 e-con-full e-flex e-con e-child\" data-id=\"33425a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e5688e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9e5688e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why People Consider Refinancing Annuities<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efbc8ff elementor-widget elementor-widget-text-editor\" data-id=\"efbc8ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1565\" data-end=\"1661\">Over time, financial products evolve. Some individuals explore refinancing their annuities when:<\/p><ul data-start=\"1663\" data-end=\"1893\"><li data-start=\"1663\" data-end=\"1696\"><p data-start=\"1665\" data-end=\"1696\">Interest rates have increased<\/p><\/li><li data-start=\"1697\" data-end=\"1732\"><p data-start=\"1699\" data-end=\"1732\">Their income needs have changed<\/p><\/li><li data-start=\"1733\" data-end=\"1780\"><p data-start=\"1735\" data-end=\"1780\">New annuity products offer updated features<\/p><\/li><li data-start=\"1781\" data-end=\"1831\"><p data-start=\"1783\" data-end=\"1831\">Their current contract has limited flexibility<\/p><\/li><li data-start=\"1832\" data-end=\"1893\"><p data-start=\"1834\" data-end=\"1893\">They want to reposition assets within their retirement plan<\/p><\/li><\/ul><p data-start=\"1895\" data-end=\"2013\">In some cases, keeping the existing annuity may still be the best decision. That\u2019s why a full evaluation is important.<\/p><hr data-start=\"2015\" data-end=\"2018\" \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39951b4 e-con-full e-flex e-con e-child\" data-id=\"39951b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8903e95 elementor-widget elementor-widget-spacer\" data-id=\"8903e95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8638573 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8638573\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What We Review<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae3d82f elementor-widget elementor-widget-text-editor\" data-id=\"ae3d82f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2039\" data-end=\"2118\">When evaluating an existing annuity, we look at several key factors, including:<\/p><ul data-start=\"2120\" data-end=\"2348\"><li data-start=\"2120\" data-end=\"2162\"><p data-start=\"2122\" data-end=\"2162\">Current contract value and performance<\/p><\/li><li data-start=\"2163\" data-end=\"2209\"><p data-start=\"2165\" data-end=\"2209\">Surrender charges or contract restrictions<\/p><\/li><li data-start=\"2210\" data-end=\"2238\"><p data-start=\"2212\" data-end=\"2238\">Interest rate guarantees<\/p><\/li><li data-start=\"2239\" data-end=\"2264\"><p data-start=\"2241\" data-end=\"2264\">Income rider features<\/p><\/li><li data-start=\"2265\" data-end=\"2285\"><p data-start=\"2267\" data-end=\"2285\">Fees or expenses<\/p><\/li><li data-start=\"2286\" data-end=\"2348\"><p data-start=\"2288\" data-end=\"2348\">How the annuity fits within your overall retirement strategy<\/p><\/li><\/ul><p data-start=\"2350\" data-end=\"2462\">This helps ensure any recommendation is based on your broader financial structure \u2014 not just the product itself.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc7344b e-con-full e-flex e-con e-child\" data-id=\"fc7344b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-711db10 e-con-full e-flex e-con e-child\" data-id=\"711db10\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:120,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea37e57 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ea37e57\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:900}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Review your existing annuity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e52f30 elementor-widget elementor-widget-template\" data-id=\"1e52f30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"965\" class=\"elementor elementor-965\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d438d4a e-con-full e-flex e-con e-child\" data-id=\"6d438d4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4135420f elementor-button-align-start elementor-widget elementor-widget-form\" data-id=\"4135420f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Sidebar Form\" aria-label=\"Sidebar Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"965\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"4135420f\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Income Annuities\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"790\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-md  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_a10a081 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_a10a081\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPhone Number\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_a10a081]\" id=\"form-field-field_a10a081\" class=\"elementor-field elementor-size-md  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-md\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cd55fa e-flex e-con-boxed e-con e-parent\" data-id=\"5cd55fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-690da67 e-con-full e-flex e-con e-child\" data-id=\"690da67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8919a27 e-flex e-con-boxed e-con e-child\" data-id=\"8919a27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-038516a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"038516a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:900}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is Your Current Annuity Still Working for You?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74357e0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"74357e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c20de3 elementor-widget elementor-widget-text-editor\" data-id=\"3c20de3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3056\" data-end=\"3157\">If you own an annuity and haven\u2019t reviewed it in several years, it may be worth taking a closer look. A simple review can help determine whether your current contract still aligns with your retirement income goals.<\/p><p data-start=\"3273\" data-end=\"3435\">Schedule a consultation with <strong data-start=\"3302\" data-end=\"3320\">Ward Financial<\/strong> to review your existing annuity and explore whether repositioning strategies could strengthen your financial plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a23326 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4a23326\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-sink\" href=\"https:\/\/calendly.com\/parryward\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-calendar-alt\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M148 288h-40c-6.6 0-12-5.4-12-12v-40c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12zm108-12v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm96 0v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm-96 96v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm-96 0v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm192 0v-40c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v40c0 6.6 5.4 12 12 12h40c6.6 0 12-5.4 12-12zm96-260v352c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h48V12c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v52h128V12c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v52h48c26.5 0 48 21.5 48 48zm-48 346V160H48v298c0 3.3 2.7 6 6 6h340c3.3 0 6-2.7 6-6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reviewing Existing Contracts to Ensure They Still Fit Your Plan Financial strategies should evolve as markets change and your goals develop over time. If you purchased an annuity years ago, there may be newer options available with different features, updated interest rates, or improved income potential. Refinancing an annuity is the process of reviewing an [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-888","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/pages\/888","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/comments?post=888"}],"version-history":[{"count":7,"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/pages\/888\/revisions"}],"predecessor-version":[{"id":976,"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/pages\/888\/revisions\/976"}],"wp:attachment":[{"href":"https:\/\/bookmark4.com\/dev\/ward\/wp-json\/wp\/v2\/media?parent=888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}