Certified Financial Planners® · Safe-Money Specialists

Retire with confidence, not guesswork.

We help pre-retirees and retirees protect what they've saved and turn it into dependable income, with straight answers about when an annuity fits your plan and when it doesn't.

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CFP®ChFC®CLU®RICP®WMCP®5-Star Wealthtender Rating

What we help you with

Most people we meet are within a few years of retirement and asking the same big question: will my money last? Here's where we focus.

Protect against market drops

Strategies designed to keep a downturn right before or during retirement from derailing your plans.

Income you can count on

Turn savings into a reliable paycheck for life, so you're not worrying about running out.

Second opinion on an annuity

Already own one? We'll review the fees, guarantees and surrender terms and tell you plainly whether it still fits.

Taxes, legacy & long-term care

Plan for taxes on withdrawals, passing assets to family, and the cost of care later in life.

A simple, no-pressure process

You'll always know what happens next, and you decide whether to move forward.

Get to know you

A Zoom conversation about your goals, concerns and what you have today. We'll answer your annuity questions in plain English.

Build your plan

Our team takes 2–3 business days to analyze your situation and design options around your needs and goals.

Review & decide

We walk through the recommendations together, answer every question, and you decide what's next, with no pressure.

Why I Bought Indexed Annuities by Sheryl J. Moore
Free while copies last

Don't be lied to about annuities.

Get a free copy of "Why I Bought Indexed Annuities" and clear answers to the questions that matter:

  • What are my guarantees, and what if the market crashes?
  • What are the real fees, and what if I change my mind?
  • Which company and product actually fit me?
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The Wellbeing Financial team

Meet the team

Wellbeing Financial is a team of Certified Financial Planners® that specialize in simplifying the annuity and retirement process. Combining in-depth industry knowledge with clarity and openness, we help clients plan their futures more reliably and rewardingly.

Carman Kubanda is an industry known expert on Safe Money solutions for pre and post retirees. He has contributed to USNews, TechWire, ConsumerAffairs® and more. He is a CERTIFIED FINANCIAL PLANNER™, Chartered Financial Consultant® and has an outstanding 5 Star Wealthtender review rating.

Terry Parham has a Master of Science in Financial Planning and also a double major in Economics and Psychology, with a minor in Mathematics focused on Statistics. He holds over 5 professional designations including: CFP® ChFC® CLU® RICP® WMCP®.

Let's talk about your retirement

Pick whatever's easiest. We're happy to answer questions, even if you're just starting to explore your options.

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