Protect Your Wealth,
We offer Liquid Annuities with No Surrender Charges so you can enjoy financial freedom and peace of mind in retirement.
Are Surrender Charges Holding Your Retirement Back?
Traditional annuities lock your money away with penalties and surrender charges, limiting your flexibility.
Our No Annuity Lock solution is offers liquid annuities that allow you to access your funds anytime—penalty-free—while still providing high growth potential and tax-deferred benefits. This enables you to adapt to life’s unexpected changes, seize financial opportunities, or simply enjoy peace of mind knowing your money is always within reach.
Discover how liquid annuities can unlock your retirement wealth today.
Enjoy Your Retirement
Without Worry
We believe your retirement should be as
flexible as your dreams.
But most annuities force you into one of two paths: growth or accessibility.
Both come with frustrating trade-offs.
If you stick with traditional annuities, surrender charges and penalties could trap your money, leaving you unable to adapt to life’s surprises or seize new opportunities.
Meanwhile, if you focus solely on growing your wealth through investments, what happens if there’s a market crash like in 2008? When your assets deflate, you risk losing it all or being forced to scrounge by while you wait for the market to recover.
Even if you’re lucky enough to never experience a market crash during your retirement, your wealth can easily be drained away by taxes.
That’s why we NEVER lock you into rigid, penalty-laden solutions.
Instead, we offer a truly flexible annuity designed to adapt to your goals, your needs, and your financial freedom.
A No Annuity Lock™ Plan —
a unique solution for individuals and families seeking control over their retirement.
Hi, I’m Cheryl Cuddy
I am the President of Adamas Financial, a retirement planning firm specializing in innovative annuity solutions. At Adamas Financial, we are committed to providing truly flexible options that put your needs first.
Our mission is to help you build a retirement strategy that works as hard as you did, offering complete control, tax-deferred growth, and guaranteed income—without surrender charges or penalties. We’re here to ensure you can enjoy retirement without worrying about your finances.
Discover The Best Retirement Planning Strategies to Achieve Your Ideal Retirement.
Learn more about your 401k, Roth IRA, Estate Planning And More!
Full Liquidity Without Penalties
Access your funds whenever you need them, without worrying about surrender charges or penalties. This flexibility ensures you're prepared for life’s surprises while keeping your retirement stress-free.
High Growth Potential
Experience uncapped growth on your annuity, maximizing the return on your investment. Your wealth can grow faster and stronger, securing your financial future.
Tax-Deferred Growth
Let your money grow without immediate tax obligations, keeping more of your earnings compounding over time. This allows you to build wealth more efficiently and withdraw when it’s most beneficial.
Guaranteed Income
Enjoy steady, reliable income throughout your retirement, no matter the market conditions. This ensures you can maintain your lifestyle without worrying about outliving your savings.
Customized Retirement Strategies
Receive a retirement plan tailored to your unique goals, financial situation, and needs. This personalized approach helps you achieve the retirement you’ve envisioned.
Legacy Planning
Protect and grow your wealth to leave a lasting legacy for your loved ones. Our solutions ensure your hard-earned money benefits your family for generations to come.
$100M+ in Annuity
Solutions Managed
Looking for guidance from a trusted retirement expert?
Click below to schedule your free consultation today.
It’s easy to offer financial solutions when the market is steady, but true value comes from providing flexibility and control when it matters most.”
“We design annuities for flexibility, so you’re always in control and your retirement is never restricted.”
Frequently Asked Questions
What makes your annuities different from traditional options?
Our annuities are completely liquid, meaning you can access your funds at any time without surrender charges or penalties. They also offer uncapped growth potential and tax-deferred benefits.
Can I roll over my current annuity without losing money?
Yes, you can use the 10% free withdrawal feature of your existing annuity to fund our no-penalty, liquid annuities without incurring additional charges.
How does tax deferral work with your annuities?
Your money grows tax-free until you withdraw it. Taxes are only due when you take distributions, allowing your wealth to grow faster over time.
What happens if I want to change my investment strategy?
Our annuities allow you to make changes to your investment choices daily, providing unmatched flexibility compared to traditional annuities, which may limit changes to once a year or less.
Yes, all the annuities we offer are backed by top-rated, trusted insurance providers to ensure your funds are secure.
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Want a Retirement Free From Penalties and Restrictions?
Book Your Free No Annuity Lock Consultation Today.
We’ll evaluate your current annuities and show you how to unlock your retirement wealth for more flexibility and growth.
Office Hours: 8:30 AM - 5:00PM PST
Office Phone Number: 702-527-7752
Address: 10161 West Park Run Drive. Las Vegas, NV 89145
Content Disclaimer
The information and opinions expressed herein are obtained from sources believed to be reliable; however, no representation is made as to, and no responsibility or liability is accepted for, the accuracy or completeness of the information. The information is provided as general information and is not intended to be specific financial guidance. The information is subject to change without notice. Before making financial decisions, you should consult a financial, legal or tax professional. Providing personal information may result in contact from an insurance agent. Unauthorized use is prohibited.
