About Us

A Published Retirement Expert in Your Corner

Ken Orenstein and annuity-advisor.ai help federal employees, retirees, and conservative savers protect their principal and turn savings into guaranteed income for life with Fixed Indexed Annuities.

See How a Fixed Indexed Annuity Works

A short walkthrough from Ken Orenstein on protecting your principal, capturing market-linked growth, and turning savings into guaranteed lifetime income.

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Meet Ken Orenstein

Decades of Retirement Income Expertise

Ken Orenstein is a published author of "The Informed Fed" series and a contributor to Annuity.org, one of the most respected consumer resources on annuities and retirement income. As an independent broker, he works with multiple top-rated insurance carriers — never a single company — so his recommendations are built around your best interest, not a sales quota.

Ken is an Investment Advisor Representative in New Jersey and is licensed to serve clients nationwide. His work is recognized by both Annuity.org and FFEBA.

At annuity-advisor.ai, the focus is singular and clear: helping you grow and protect your nest egg with Fixed Indexed Annuities — principal protection with a 0% floor, market-linked growth tied to indexes like the S&P 500, and guaranteed lifetime income you cannot outlive.

Ken Orenstein, published author of The Informed Fed series and Investment Advisor Representative at annuity-advisor.ai

Credentials & Trust Factors

What you have working in your favor when you partner with annuity-advisor.ai.

Licensed nationwide — able to serve clients in every state.

Investment Advisor Representative registered in New Jersey.

Published author of "The Informed Fed" series and an Annuity.org contributor.

Independent broker — access to multiple top-rated carriers.

Recognized by Annuity.org & FFEBA for retirement expertise.

Phone & virtual consultations available nationwide.

Our Approach

A simple, no-pressure process designed around your goals — not a sales pitch.

1. Understand Your Goals

We start with a free, no-obligation conversation — by phone or virtually — to understand your retirement timeline, income needs, and risk comfort.

2. Compare the Best Options

As an independent broker, Ken compares carriers, caps, participation rates, and income riders across multiple top-rated companies to find the right fit.

3. Secure Your Income

We help you set up your Fixed Indexed Annuity — including TSP, IRA, or 401(k) rollovers — and explain every cost in plain English before you decide.

Ready to Talk With a Published Retirement Expert?

Schedule a free, no-pressure consultation by phone or virtually. We'll explain exactly how a Fixed Indexed Annuity could fit your retirement.

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