June is Annuity Awareness Month, an ideal time to highlight how annuities can strengthen client outcomes and how 1847Financial equips financial professionals with the tools, insight, and support to deliver those solutions with confidence.

As clients approach or enter retirement, priorities shift. Growth remains important, but protecting accumulated assets and generating reliable income often takes precedence. Effective strategies begin with a clear vision and evolve to support that vision over time.

At 1847Financial, a protection-first, holistic philosophy guides how annuities fit within a broader strategy. The focus is not on products alone, but on aligning each solution with a client’s goals, preferences, and circumstances. 

Financial professionals can access a suite of annuity solutions from Penn Mutual, along with expanded offerings through HTK for those who are affiliated. 

Why Annuities, and Why Now?

Demand for annuities continues to grow as economic uncertainty shapes client expectations. According to LIMRA, total U.S. annuity sales increased 7% to $464.1 billion in 2025, reflecting continued momentum across the market.

This growth is largely driven by clients seeking:

•  Reliable income in retirement
•  Protection from market volatility
•  Greater certainty in an unpredictable environment

At the same time, clients are becoming more deliberate in how they evaluate financial strategies. Cost awareness has increased, along with a stronger focus on long-term value and outcomes.

“Clients are becoming more fee-conscious,” said Mike Siebecker. “We are seeing steady demand for products that offer both income protection and lower costs. That is where our variable annuity with low-cost features has been well received.”

These trends are also reflected in broader industry conversations. In a recent Life Matters Podcast episode featuring insights from Penn Mutual’s advanced sales team and LIMRA research, experts discussed how shifting retirement demographics and risks are increasing the need for reliable income strategies.

Support That Goes Beyond the Product

At 1847Financial, annuities are positioned as part of a collaborative planning process designed to support better decisions and stronger outcomes.

Financial professionals are supported by experienced specialists who bring technical knowledge and practical insight to each case. This partnership-driven approach helps simplify complexity while maintaining a focus on client priorities.

Mike Siebecker offers a perspective shaped by experience on Wall Street trading desks and in retail financial services. His focus is helping financial professionals turn complex ideas into clear, actionable strategies aligned with client goals.

“I realized early on that my passion was helping people take ownership of their financial future,” Siebecker said. “Now I support financial professionals with case design, illustration support, and product insight.”

Steve Schaack brings more than 25 years of experience across mutual funds, managed money, life insurance, and annuities. His approach centers on thoughtful collaboration and asking the right questions to uncover each client’s situation.

“Most financial professionals reach out with a case, and we connect to talk it through,” Schaack said. “I focus on key factors such as risk tolerance, time frame, and health considerations so they can make the best decision for their client.”

This shared process reflects a simple belief: better outcomes are achieved through partnership. By combining insight and experience, financial professionals can deliver solutions that feel both personal and purposeful.

Flexibility Through HTK

For financial professionals affiliated with HTK, the range of available annuity solutions expands significantly. Access to a broader set of carriers and products enables more tailored recommendations and greater adaptability to diverse client needs.

This flexibility also supports financial professionals in building their business on their own terms. Whether transitioning an existing book of business or expanding into new opportunities, they maintain ownership of how they grow and serve clients.

The ability to continue servicing existing annuity policies adds continuity, helping preserve relationships while creating a smooth transition.

“HTK provides a more integrated experience,” Siebecker said. “Financial professionals have the tools to build their business in a way that aligns with how they want to serve their clients.”

Technology Designed to Simplify the Process

Technology plays a critical role in improving efficiency and consistency. HTK’s digital annuity order entry system streamlines the application process and reduces administrative burden.

Key features include:

•  Auto-save functionality
•  Built-in error detection
•  Streamlined workflows

These tools help reduce processing delays and improve accuracy, allowing financial professionals to focus more on client relationships and less on paperwork.

“Technology should remove friction,” Siebecker said. “It should support accuracy and efficiency from beginning to end.”

Turning Insight Into Action

Annuities can play a meaningful role in helping clients protect what they have built and create more predictable income in retirement. When supported by a thoughtful strategy and the right resources, they become a valuable component of long-term planning.

At its core, 1847Financial’s approach is designed to help financial professionals:

•  Build strategies aligned with each client’s goals
•  Strengthen relationships through personalized engagement
•  Navigate complexity with clarity and confidence
•  Grow their business with flexibility and purpose

To learn more about how 1847Financial can support your annuity strategy and overall business growth, email opportunities@1847financial.com to start the conversation.

^{About Steve Schaack
Steve Schaack is an annuity wholesaler with more than 25 years of experience in financial services. A CFP professional, he has worked across mutual funds, managed money, and life insurance, with a focus on annuity distribution. He is known for his thoughtful approach, strategic insight, and commitment to helping financial professionals navigate complex planning decisions.}

^{About Mike Siebecker
Mike Siebecker began his career trading commodities on Wall Street before transitioning to retail financial services. With more than 25 years of experience, he focuses on education and protection-first strategies. In his current role, he helps financial professionals design strategies, position products effectively, and grow their annuity business through personalized support.}

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