Solid ground. Sharp strategy.
Granite Point Retirement helps people close to retirement understand insurance-based options designed to help protect savings from market losses. Plain English, from a licensed Washington agent — including who these options are wrong for.
What we offer
Fixed Indexed Annuities
A fixed indexed annuity — an FIA — is a contract with an insurance company. Your money earns interest based on how a market index performs, within limits the contract sets.Read moreRoth Conversion Planning
A Roth conversion moves money from a tax-deferred retirement account — a traditional IRA or an old 401(k) — into a Roth IRA. You pay ordinary income tax on the amount you move, in the year you move it.Read moreLife Insurance
Life insurance does one job above all others: it pays money to the people you choose when you die. Everything else — cash value, index-linked growth, retirement talk — is secondary to that job, and any conversation that starts somewhere else has the order wrong.Read more
How it works
- Answer 8 quick questions — about where you are, what you've saved, and what matters most to you. About 2 minutes.
- See your personalized result right away — where you stand, and whether this category of options is even worth your time.
- If it looks like a fit, book a free 15-minute review with a licensed agent. No cost, no obligation, and no pressure — it's a conversation, not a pitch.
Behind Granite Point: one licensed agent, on purpose.
I'm Eric Lenhardt — licensed insurance agent & annuity specialist in Washington. When you take the Checkup, your information comes to me and stays with me — never a call center, never a lead list.
Read the whole storyWhy people trust Granite Point
One agent, not a call list.Your information goes to one licensed agent — never sold or resold to call centers.
Real licensing.Eric Lenhardt is a licensed insurance agent in Washington (license #740098). Not a "financial advisor" — and honest about the difference.
Carrier strength you can check.The options discussed are contracts issued by insurance carriers rated by independent rating agencies — strength you can look up yourself.
From the Learn hub
How the "floor of zero" works — and what it costs you
In a fixed indexed annuity, the "floor of zero" means this: in a year the market index falls, your account is credited 0% interest — the index loss does not come out of your account value.Who fixed indexed annuities are NOT for
Fixed indexed annuities are the wrong choice for a lot of people — including some of the people they get pitched to hardest.The CD comparison worth running before renewal
A bank CD pays a fixed rate you know upfront, for a term usually measured in months to a few years, with FDIC backing within its limits.