IQ Wealth Management®

Live Your Retirement With Confidence.

Retirement Annuities at IQ Wealth Management®

  • Access to 1200+ Annuity Options
  • 5 to 9 Percent Income for Life
  • No Management Fees and No Adviser Fees
  • Year Round Research to Find the Best Annuities on the Market Today
  • Detailed Review of Your Income Needs to Help You Select the Best Annuity For You
  • A Complete Retirement Plan and Strategy
  • All Factual Details About Annuity Options
  • All Questions Answered
  • IRA Rollover Help
  • Located in Scottsdale, AZ
Get Honest Guidance from Accredited Investment Fiduciary® and Certified Annuity Specialist® Steve Jurich, Founder of IQ Wealth Management®.

Retirement Annuity Rules

Avoid Known Annuity Duds and Get the Income You Need for a Safe Retirement.

Create More Income Than You Can Spend—For Life

A correctly chosen annuity will give you more income than you need for life, will protect you from market crashes, and will function very similarly to a pension. Not all annuities are created equal. Less than 2% of them are worth a deeper look.

Don't Pay More Fees If You Don't Have To

Not all annuities are created equal. Certain types of non-optimal annuities have extremely high fees. There are better options that provide lifetime income without drilling you with fees. Plus, there is no management fee or adviser fee when you work with us.

Get Help Selecting Your Annuity From a Fiduciary

With over 1200+ annuities on the market today, it’s dangerous to compare with anyone who is not an Accredited Investment Fiduciary®, legally bound to fiduciary duty and only makes recommendations in your best interest.

5 to 9 Percent Income For Life

Honest Annuity Comparison, Education, and Recommendations From Accredited Investment Fiduciary® and Certified Annuity Specialist® Steve Jurich,

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Review Best Annuity Options

With over 1200+ Annuities on the Market Today, selecting the right one can be challenging. Plus, you can’t just go out and buy an annuity like you can a gallon of milk. You have to go through an adviser.

At IQ Wealth®, we invest time into getting to know your retirement needs so we can help guide you through the annuity selection process with your best interests in mind. Actually, as an Accredited Investment Fiduciary®, it’s our fiduciary duty to only make recommendations in your best interest.

This legal duty works to your benefit when compared to many other firms that end up with more of a “used car lot” sales pitch experience. Instead, you get all of your questions answered and all of the facts from a firm that has over 25 years experience helping people retire and stay retired, even through multiple market crashes.

If you’re looking for help finding the right annuity for your retirement needs, you can begin the conversation here.

The Annuity “Short-List”

There are 4 distinct types of annuities you’ve probably already heard of: Immediate Annuities, Variable Annuities, Fixed Annuities, and Fixed Index Annuities. Those four types are part of the 1200+ Annuities that we survey on the market today.

Unfortunately most of them are duds, remnants of old fashioned practices that just aren’t worth your time.

Through our extensive review process, we actually reject over 98% of all annuities on the market today and recommend less than 2% of them to our clients.

Through our research we rank annuities based on these factors to create our Annuity “Short-List” that we use to help guide our clients through the selection process (this list is not available for distribution).

We rank annuities by these factors:

  1. Income Level
  2. Deferral Period
  3. Lowest Fees
  4. Company Rating

If you want to find the right annuity for you that pays the most, costs the least, protects your principal, and protects your heirs, then we’re available to talk. You can begin the conversation here.

Retirement Income Analysis

If you’re not feeling calm about your money as you enter retirement, something is wrong. Retiring should be a time of reaping rewards from years of work. But no one can blame you for wondering if the same strategy that got you TO retirement can get you THROUGH retirement.

Everything changes when you retire—you go from CONTRIBUTING to your plan, to WITHDRAWING from it.

When the market fell during your working years, it was very wise to keep contributing. You were growing future wealth. In retirement, when your paydays are no longer there, falling markets are your enemy.

Rather than “buying on the dips” as a younger investor can, you start selling on the dips—accelerating the decline. When you keep withdrawing the same amount from an account that is declining, your money disappears faster.

This is why it’s smart to be concerned about your retirement income and to find the right annuity as part of your portfolio to secure your income for life. We help our clients find real solutions based on their actual income needs in retirement.

If you want to make sure you can Retire and Stay Retired™ you can begin the conversation with Steve here.

Retirement Planning and Strategy

As you approach retirement it’s important to understand the difference between products and plans. While there are many “product” salesmen out there who will just try to sell you some version of what they think you want, that’s not usually to your benefit.

Products, like an annuity, are not plans. Your annuity is not a financial plan. An annuity can be part of a complete retirement plan, but the annuity itself isn’t a plan.

What the correct, carefully selected annuity can do for you is to help make sure that you have more money coming in than going out from now on no matter what.

It’s important to review your entire retirement plan, not just your annuity, to make sure it’s a fit for your specific needs. Too many times, people end up with cookie cutter plans that don’t really do anything for them. And even worse, they can be difficult to understand. If you can’t understand your plan, you can’t follow it.

We help our clients plan for the retirement they want with the resources they have with room for growth and protection from future market crashes.

All of our clients walk away with a complete financial plan that they can understand and follow without issue.

If this sounds like something up your alley you can begin the conversation here.

Get All The Facts and All Your Questions Answered

Retirement is one of the most important financial decisions of your life. You’re basically going on vacation for the rest of your life without paid time off.

It’s truly amazing when you really think about it. You’ve worked hard your whole life. You’ve saved and invested wisely… And now you need a way to make sure that you have enough income to last you the rest of you and your spouse’s lives.

Decisions of this caliber are not and should not be made lightly. You should experience ZERO sales pressure from your adviser. Your adviser should be patient, educated, and able to answer all of your questions accurately and honestly.

Your adviser should also be an Accredited Investment Fiduciary® so you can know that you are only getting recommendations that are truly in your best interest. That there is a higher calling of honor and integrity that they are bound to when working with their clients.

That’s what you get with Steve Jurich, founder of IQ Wealth Management.

Steve is an Accredited Investment Fiduciary®, Certified Income Specialist™, Certified Annuity Specialist®, Investment Manager, husband, father, coach and family man. He’s been helping people Retire and Stay Retired™ for over 20 years.

Retirement is what we do here at IQ Wealth Management. We don’t work with new investors. We only work with those approaching retirement or have already retired.

If this sounds like what you are looking for, you can begin the conversation with Steve here.

S.M.A.R.T. Bucketing System™

From IQ Wealth Management® and Accredited Investment Fiduciary® Steve Jurich

Above Video: David Leeper Shares His Annuity Experience

Secure income to meet all living and lifestyle expenses, contractually guaranteed

Math-based planning to make sure you have enough income

Ample liquidity to meet travel, lifestyle, and emergency needs

Retirement done your way, guided by people who treat you with respect and courtesy (and don’t turn you over to a trainee)

The right advisor who will listen to your needs and priorities–with the skill and experience to make it happen

5 to 9 Percent Income For Life

Honest Annuity Comparison and Recommendations
Accredited Investment Fiduciary® Steve Jurich

As Seen:

Why Choose IQ Wealth Management®?

Your adviser should be someone worthy of faith and trust. You will be confiding in him or her about your important dreams, goals, and concerns. That is why you don’t want a salesperson, you want a fiduciary who has years of experience, has managed through difficult financial times, and helped hundreds of clients turn their dreams into reality.

Our mission is simple: It’s all about you.

Ask questions and make decisions with confidence as you work with Steve, who is an Accredited Investment Fiduciary® and legally can only respond in your best interest and cannot make recommendations based on his own benefit (which he wouldn’t do anyway).


Retire with confidence after a patient and educational process of analyzing and selecting the best retirement income and growth options for your specific needs with Steve, who is a Certified Income Specialist™.


Live your retirement the way you want to with a retirement plan that fits the lifestyle you prefer that’s straightforward and easy to understand. We’ll never tell you how to live your life, but we will help you plan your retirement.


Know you’re in the right hands when making retirement decisions by working with Steve, who has specifically specialized in serving people in retirement or approaching retirement for over 20 years.

Above: Gary K. (Fox Business) gives his thoughts on Steve Jurich

Note: Steve’s process is practical and complete. No decisions are made for you. There will always be a period of clarification, education, and selection before making any financial and/or retirement decisions. It’s important to Steve that nobody simply rushes into something before they understand its purpose.

5 to 9 Percent Income For Life

Honest Annuity Comparison and Recommendations
Accredited Investment Fiduciary® Steve Jurich

As Seen:

Get Your Copy of “Smart is the New Rich” When You Meet Steve

After the initial phone call and during your first appointment, Steve will give you a copy of his best selling book to keep.

“Changed My Thinking”

“Smart Is The New Rich” is a great overview of the many facets of retirement planning. It has changed my thinking about how much capital I have versus how much income I will have in retirement. The book provides easy to understand, side by side comparisons of risks and growth of hypothetical investments in Hybrid Fixed Indexed Annuities and the securities market. A good read and great reference for retirement planning for all age groups!

William T.

“Must Read”

I’m a Certified Financial Adviser and if I didn’t run my own company I would join this guys’. Seriously, it’s a must read in today’s new financial reality in fact….I’m handing these books out to many of my clients for free, it’s THAT important! Thanks Steve, I hope to meet you in person one of these days.

Yuerg E.

“Take Notes!”

After looking into annuities, and getting very confused by all the sales lingo, this book was a refreshing change. I appreciated its clear definitions of the different kinds of annuities, their pluses and downsides, and under which circumstances one may work well while another would flop. No hard-sells, no marketing jargon, just good information. Wish the rest of the annuity industry would take notes.


5 to 9 Percent Income For Life

Honest Annuity Comparison and Recommendations
Accredited Investment Fiduciary® Steve Jurich

Above: Steve Jurich @ IQ Wealth® Spring Summit

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About Steve Jurich

Steve Jurich is an Accredited Investment Fiduciary® who has been helping individuals and families retire and stay retired for more than 20 years. His daily radio broadcasts, financial updates, and steady contact with clients help to separate IQ Wealth Management from the “big box” brokerages. Steve’s clients enjoy world class resources (Fidelity and TD Ameritrade) while maintaining a personal touch. His clients include engineers, teachers, medical professionals, business owners, government workers, accountants, attorneys, and business owners.

Accredited Investment Fiduciary®

Steve has over 20 years of experience assisting clients with the biggest financial decisions in their lives—advising only in their best interest.

Financial Bucketing Professional

Steve is the founder of the IQ Wealth Smarter Bucketing System™ which he created to help his clients achieve a higher level of security, income, and growth in retirement.

Certified Income Specialist™

Steve surveys over 1200 annuities and rejects over 98% of them and has crafted a detailed selection process to help his clients select the right annuity for their specific retirement needs.

Investment Portfolio Leader

Steve conceived, originated, and developed the IQ Wealth Black Diamond Dividend™ Growth Strategy and the IQ Wealth Blue Diamond Technology Leaders™ Porfolio.

Radio Personality

Steve is the host of the daily radio show “Mastering Money” on Money Radio with over 1000 radio appearances.

Amazon Best Selling Author

Steve is the author of “Smart Is the New Rich”, an Amazon best-seller that outlines a more predictable and stress-free aproach to retirement funding and financial independence.

Financial Media Contributor

Steve’s comments have been seen on Boomberg.com, MarketWatch, and TheStreet.com. He’s also a contributor to Kiplinger Online.

5 to 9 Percent Income For Life

Honest Annuity Comparison and Recommendations
Accredited Investment Fiduciary® Steve Jurich

How to Get Started With IQ Wealth®

Steve Jurich — IQ Wealth Management®


Schedule a no-obligation free meeting to help us understand your goals, needs, and concerns so we can better help you.

Step 2 — IQ Wealth Management®


Using the IQ Wealth Smarter Bucketing System™, we help evaluate and develop your strategy so you can Retire and Stay Retired™.

Step 3 — IQ Wealth Management®


Once we arrive at the retirement strategy that is best suited for you, we go to work to make it reality.

The Financial Planning Association® Code of Ethics

As members of the Financial Planning Association®, we work to maintain a fiduciary standard and to adhere to the Code of Ethics set forth by the Financial Planning Association®


An FPA member shall offer and provide professional services with integrity.

FPA members may be placed by clients in positions of trust and confidence. The ultimate source of such public trust is the FPA member’s personal integrity. In deciding what is right and just, an FPA member should rely on his or her integrity as the appropriate touchstone.

Integrity demands honesty and candor, which must not be subordinated to personal gain and advantage. Within the characteristic of integrity, allowance can be made for innocent error and legitimate difference of opinion; but integrity cannot co-exist with deceit or subordination of one’s principles.

Integrity requires an FPA member to observe not only the letter but also the spirit of this Code.


An FPA member shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which the designee is engaged.

One is competent only when he or she has attained and maintained an adequate level of knowledge and skill, and applies that knowledge effectively in providing services to clients. Competence also includes the wisdom to recognize the limitations of that knowledge and when consultation or client referral is appropriate.

In addition to assimilating the common body of knowledge required and acquiring the necessary experience, an FPA member shall make a continuing commitment to learning and professional improvement.


An FPA member shall not disclose any confidential client information without the specific consent of the client unless in response to proper legal process, to defend against charges of wrongdoing by the FPA member or in connection with a civil dispute between the FPA member and client.

A client, by seeking the services of an FPA member, may be interested in creating a relationship of personal trust and confidence with the FPA member. This type of relationship can only be built upon the understanding that information supplied to the FPA member or other information will be confidential.

In order to provide the contemplated services effectively and to protect the client’s privacy, the FPA member shall safeguard the confidentiality of such information.


An FPA member shall be objective in providing professional services to clients.

Objectivity requires intellectual honesty and impartiality. It is an essential quality for any professional. Regardless of the particular service rendered or the capacity in which an FPA member functions, an FPA member should protect the integrity of his or her work, maintain objectivity, and avoid subordination of his or her judgment that would be in violation of this Code.


An FPA member shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers and shall disclose conflict(s) of interest(s) in providing such services.

Fairness requires impartiality, intellectual honesty, and disclosure of conflict(s) of interest(s). It involves a subordination of one’s own feelings, prejudices, and desires so as to achieve a proper balance of conflicting interests. Fairness is treating others in the same fashion that you would want to be treated and is an essential trait of any professional.


An FPA member’s conduct in all matters shall reflect credit upon the profession.

Because of the importance of the professional services rendered by FPA members, there are attendant responsibilities to behave with dignity and courtesy to all those who use those services, fellow professionals, and those in related professions.

An FPA member also has an obligation to cooperate with fellow FPA members to enhance and maintain the profession’s public image and to work jointly with other FPA members to improve the quality of services. It is only through the combined efforts of all FPA members in cooperation with other professionals, that this vision can be realized.


An FPA member shall act diligently in providing professional services.

Diligence is the provision of services in a reasonably prompt and thorough manner. Diligence also includes proper planning for and supervision of the rendering of professional services.

Copyright © 2014 FPA All rights reserved

While our firm, advisors and strategic partners may be members of organizations or may appear on a media outlet periodically, no endorsement is accepted or implied. We encourage and require that clients and prospective clients make financial decisions based on the merits of the offering, not on other factors. Listening to radio shows or reading articles does not begin a relationship with us. Only upon a personal and in-depth review can we discover what recommendations are suitable for you.

5 to 9 Percent Income For Life

Honest Annuity Comparison and Recommendations
Accredited Investment Fiduciary® Steve Jurich

5 to 9 Percent Income For Life

Steve Jurich (AIF®, CIS®, Investment Manager)

Schedule a Visit

After filling out the form below, you’ll receive a call from Barb to schedule a good time for a phone call with Steve, or if you prefer, a visit to the Office to meet in person. Steve is prepared to answer all of your questions. Heck, even if you ran into him at the grocery store, he’d be ready. Helping people secure their retirement is what Steve does best. He’s here for you.

COVID-19: We Are Open and Serving Clients in Office and Over the Phone. All CDC Guidelines are being observed.

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Copyright © 2016-2024 Next Level Video & IQ Wealth Management®, All Rights Reserved

Annuity guarantees rely on the financial strength of the issuing insurer. Annuities are long term income and preservation vehicles which may carry early surrender charges for a period of time, after which there are no surrender charges. Please see your annuity agreement for details and get a clear understanding before moving forward. A free second opinion service is available.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of IQ Wealth Management and our editorial staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee based financial planning and investment advisory services are offered by IQ Wealth Management, a Registered Investment Advisor in the State of Arizona. Insurance products and services are offered through IQ Retirement Planning, Inc. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Arizona or where otherwise legally permitted. All references to locations outside of Arizona relate to our insurance services division only. Steve Jurich is a licensed life and annuity agent authorized in multiple states including California. (License 0b85609). Because our portfolios often allocate a combination of securities and insurance based products, we believe it is important for the consumer to understand the difference. Securities can and do lose money. Fixed index annuities should be viewed as long term income vehicles. Guaranteed Withdrawal Benefits are optional rider benefits for premium avaialble on some annuities, not available in all states. All guarantees are contractual guarantees provided by the claims paying ability of the insurer. Early surrenders beyond penalty free withdrawal privileges may incure surrender charges. Withdrawals prior to age 59 1/2 may incur tax penalties. Income rider values are are designed to generate contractually guaranteed income streams based on pooled reserves, and are separate from accumulated values. No specific investment, tax, or legal advice is being given and no offer is made to sell or buy any security, nor any specific insurance product. Always consult your tax preparer for tax advice. Past performance of all financial vehicles and indexes should not be relied upon to predict future results.Income and withdrawal guarantees on fixed index annuities refer to income values, not interest rates on accumulation values. Income withdrawal benefits are drawn from accumulation values. When withdrawal rates exceed interest rates on accumulation values, accumulation values are in position to fall. When withdrawal rates are less than interest rates on accumulation values, accumulation values are in position to rise. See your annuity documents for details.

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