Your journey starts here.
Happy clients tell our story.
With Retirement Income Consultants, you can…
Buy annuities online
We serve people from the comfort of their own homes every single day
Shop some of what we believe are America's best annuity products without leaving your home, or having to invite a stranger to your home*
* May not be available in all areas
Retirement Income Consultants LLC is part of the Cap Averill II & Associates family of retirement planning agencies, with a solid reputation for happy clients. For over 60 years, people from all walks of life have depended on the Averill name for help with their retirement savings strategies including fixed and fixed-indexed annuities, IRAs, and 401Ks.
We take pride in building a strong relationship with you and work hard to earn your trust. We are also happy to include in the conversation your financial planner, attorney, accountant, family member or the person you depend on for advice and feedback.
Through our expertise and ongoing education, we have built a comprehensive selection of best-in-class products and a proprietary product comparison database which we put to work for you.
Retirement Planning
No matter where you are in the process, we can help you assess your current situation and establish a forward looking plan. Considering purchasing an annuity? Have questions about financial products you own? Or, a 401K or IRA? Need to make a decision about a rollover? Want to know the best-in-class annuities we recommend and why? We stand ready to serve you. See All Services »
Life Insurance & Annuity Management
In addition to advising on retirement savings strategies, we are also well versed in all forms of life insurance products including universal and term life, irrevocable insurance trusts, pension maximization, buy-sell agreements, etc. Put our expertise to work for you.
See more on Life Insurance »
Frequently Asked Questions
When it comes to questions, sometimes you just want an answer right now. Check out the frequently asked questions our Retirement Income Consultants are often asked. They include a diverse range of topics. If you do not see your question, please feel free to contact us and ask away! See FAQs here »
Our people are truly our most valuable asset.
The best part about working with us is our fantastic team. They are industry veterans who espouse the principles of transparency, honesty, and working in the client’s best interest. Now retired, Cap Averill Sr. started the business in 1958 and his legacy lives on in the culture and values he instilled from the beginning.
“We are one of the oldest, family owned, professional annuity portfolio management firms in the United States. Serving clients for over sixty years, our solid reputation is unparalleled. Happy clients tell our story.”
— Carleton “Cap” Averill II
Public Service
We lend our time and talent to the communities we serve. Our team emulates the same passion as the Averill family by volunteering and contributing to help improve the places we live.
Mentoring is important to those who share with the award-winning credentials we have, so we make giving back a high priority. Some of our public service initiatives include:
Providing insights to small business owners.
Authoring and producing value-driven financial documentaries which are nationally distributed on Public Television through the National Educational Television Association, and provided to schools and organizations across the country.
Supporting special needs organizations and efforts to promote healthful outcomes, educational interventions and goodwill.