Annuity Decisions Require More Than a Rate
Education first • Multi-carrier comparisons • Serving clients virtually where licensed and products are available.
Tax-Aware Retirement Strategies
Annuity Strategies
Life Insurance Planning
Long Term Care
Professional Areas of Focus:
✓ Retirement Income Planning
✓ Annuity Strategies
✓ Life Insurance Planning
✓ Mortgage & Real Estate Expertise
✓ Long-Term Care Planning
✓ Author of What If... Financial Security through life's biggest transitions
MEET THE FOUNDER Behind Roots and Wealth Group
Stina Antonopoulos
Meet Stina
VP of Client Strategy Services
At Roots & Wealth, we believe retirement planning is about more than money—it's about helping people build a future with confidence, purpose, and peace of mind.
Founder Stina Antonopoulos has dedicated her career to helping individuals, families, and business owners navigate important financial decisions through education, thoughtful planning, and personalized guidance. With experience in retirement income planning, annuities, life insurance, mortgage lending, and real estate, she understands how today's decisions can shape tomorrow's opportunities.
Rather than focusing on products, Roots & Wealth focuses on people. Every retirement strategy is built around each client's goals, values, family, and vision for the future. Whether the priority is creating dependable retirement income, reducing unnecessary risk, planning for long-term care, or leaving a meaningful legacy, every recommendation begins with listening.
Stina released her first book, What If?, encouraging readers to ask the questions that can lead to wiser financial decisions and stronger retirement planning. The book reflects the same philosophy that guides every client relationship: educate first, simplify complex decisions, and help people move forward with confidence.
As Roots & Wealth continues to grow, our commitment remains the same—to provide trusted guidance, lasting relationships, and retirement strategies rooted in integrity, education, and personalized care.
WOW! I never got real help making decisions on my annuities from my old agent. He would just say do whatever you feel is best. Like how would I know without any real info?!?! She has always provided good choices, in a timely manner and helped me sort out what the best decision was for me. Never rushed, never steered, always helpful and informative. Thank you!
Tammy W.
Verified Client Review
Thanks Stina for all your help and support in walking me through the process of getting my first annuity set up. You really made me feel at ease while working with you. Not once did I feel like you were trying to sell me something, which I appreciate so much. Thanks for being patient with me while I was making my decision. Looking forward to working with you in the future.
Mike M.
Verified Client Review
Strategies Rooted in Protection, Income & Legacy
Clear Annuity Comparisons for Smarter Retirement Decisions
Financial planning is not just about numbers. It is about your home, your family, your income, your health, your retirement, and the people you want to protect.
We focus on helping you understand your options before you make a decision.
Who We Serve
The Roots & Wealth Philosophy
Strong financial futures are built from strong roots.
At Roots & Wealth, lasting wealth is not measured only by account balances. It is measured by stability, confidence, family protection, meaningful choices, and the legacy created over time.
That is why every strategy begins with education, thoughtful planning, and a clear understanding of what matters most to each client.
Today's Top 10 Fixed Annuity Rates
A snapshot of the strongest rates currently available across our carrier lineup. Every situation is different — let's find the right fit for your goals.
| Carrier | Term | Rate | AM Best |
|---|---|---|---|
| American National Insurance Co. | 6-Year | 9.90% True Yield 5.72% | A |
| Marquette Indemnity & Life | 7-Year | 9.08% True Yield 6.35% | NR |
| Mountain Life | 6-Year | 9.00% True Yield 5.66% | B- |
| Atlantic Coast Life | 6-Year | 6.70% True Yield 5.87% | B |
| Revol One Financial | 10-Year | 6.25% | B++ |
| Sentinel Security Life | 7-Year | 6.25% | B |
| Wichita National Life | 5-Year | 6.25% | B+ |
| Liberty Bankers Life | 9-Year | 6.25% True Yield 5.36% | A- |
| Heartland National | 10-Year | 6.15% | B++ |
| American Century Life Insurance | 10-Year | 6.05% | B++ |
Rates shown as of August 21, 2026 and subject to change without notice. Where a rate includes a first-year bonus, the guaranteed effective yield over the full term is shown as "True Yield." AM Best rating reflects the carrier's financial strength; NR means not rated.
Ready to see which rate fits your goals?
Book a complimentary strategy conversation to explore retirement income, protection planning, and legacy strategies tailored to you.
Book a Strategy CallNot ready to talk yet? Browse live rates yourself instead →
Why Partner with a Retirement Specialist
The retirement marketplace has thousands of products, each with different rates, terms, benefits, and limitations. Without the right guidance, it can be easy to choose a product that does not truly fit your needs — or to miss a better option that was available to you.
At Roots & Wealth Group, we help make the process clearer.
We walk you through your options with transparency, experience, and care so you can understand what you are choosing and why it matters.
You can expect:
- Side-by-side product comparisons so you can clearly see the differences
- Plain-language explanations without confusing financial jargon
- Honest insight into rates, terms, guarantees, and features
- Ongoing service and support as your needs change over time
There is no fee for our service to you.
The right retirement strategy should give you more confidence, more clarity, and greater peace of mind. That is where we come in.
Frequently Asked Questions
Retirement Income FAQs
View FAQs →Annuity FAQs
View FAQs →Social Security FAQs
View FAQs →Retirement Planning FAQs
View FAQs →Retirement By Age FAQs
View FAQs →Medicare & Long-Term Care FAQs
View FAQs →Estate & Legacy Planning FAQs
View FAQs →Retirement Investment FAQs
View FAQs →Retirement Tax FAQs
View FAQs →Retirement Mistakes & Smart Strategies
View FAQs →Life Insurance FAQs
View FAQs →Indexed Universal Life (IUL) FAQs
View FAQs →Financial Strategies Designed Around Real Life
Retirement Income Planning
Create a strategy for turning savings into dependable income. Try our free income calculator to get an instant snapshot of your projected retirement income.
Annuities
We help clients explore annuity options designed for safety, protected growth, principal protection, and reliable retirement income. Using comparison software, we can review options across the marketplace side by side so you can clearly see rates, income features, terms, benefits, and trade-offs before making a decision.
Life Insurance & Legacy Planning
Life insurance can be more than a death benefit. When structured properly, it may help protect your family, support business continuity, provide tax-advantaged benefits, and create a legacy for the people or causes you care about.
We help clients understand the differences between term life, whole life, indexed universal life, and other insurance-based strategies.
Long Term Care Planning
Prepare for healthcare and care needs that Medicare may not cover.
Tax-Aware Retirement Strategies
Coordinate income, withdrawals, and planning with tax efficiency in mind. See what a Roth conversion could mean for your future tax-free income with our free calculator.
Mortgage & Real Estate Insight
Understand how housing, debt, equity, and real estate decisions affect retirement.
Not all financial products provide guarantees. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Information provided is for educational purposes only and should not be considered individualized financial, tax, legal, or investment advice.
The Safe Money Retirement Blueprint*
Learn how many families are repositioning portions of their savings toward strategies focused on protection, guaranteed income, and long-term stability.
Free Guides & Reports
Download our most popular retirement planning resources — no cost, no obligation.
Safe Money Retirement Blueprint
Strategies to help protect your savings from market risk*.
Download GuideFree Retirement Income Report
See how to turn your savings into steady retirement income.
Download ReportLong Term Care Checklist
A simple checklist to help you prepare for future care needs.
Get ChecklistFinancial Preparedness Guide
Get organized with a step-by-step guide to financial readiness.
Download GuideReady to Build a Retirement Strategy With Confidence?
Retirement decisions are too important to leave to guesswork. Roots & Wealth helps clients understand their options, simplify complex choices, and build strategies rooted in their goals.
Schedule a Complimentary Retirement Strategy Consultation
Information provided is for educational purposes only and should not be considered individualized financial, tax, legal, or investment advice.
ROOTS & WEALTH GROUP
a subsidiary of SJA Financial Services, LLC
CA Lic. 4374774 | NPN 20996862
Phone: 707-WEALTH7 | 707-932-5847
Email: [email protected]
Address: Saint Augustine FL 32092
* Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are long-term financial vehicles designed for retirement purposes. These products contain limitations, including withdrawal charges, fees, and a market value adjustment, which may affect contract values.
This information is for educational purposes only and should not be construed as investment, tax, or legal advice. Please consult with your financial professional before making any financial decisions.
Copyright 2026. All Rights Reserved.
