Compare & Save
It's SIMPLE – Can your CD do this?
GUARANTEED 9% FIRST YEAR
MULTI-YEAR GUARANTEED ANNUITY
First Year Rate
Years 2–6 Rate
Choose from 3, 5, 6 or 7 year guaranteed periods.
Lock in Your Rates Before They Go Down
Better Returns
Why Settle for LESS When Your Money Can Earn 9%?
Most people don't realize they have far better options than a traditional bank CD. At Fernandez Financial, we help you secure exclusive fixed annuity rates up to 9%, giving your savings the chance to grow with stability, not risk.
This isn't about the stock market.
This isn't about guessing.
This is about protecting your money while earning more, backed by A-rated companies with over 100 years of financial strength.
If you're looking to protect your income, safeguard your retirement, or simply get a better return on your savings, this is one of the smartest steps you can take.
Why Annuities
Annuity Benefits
High Guaranteed Returns
Earn up to 9.55% APY¹ in your first year and up to 4.55% from years 2–6.
Protection From Market Volatility
Your savings stay safe and your rates are locked in for your selected period of time for predictable long-term growth.
Tax-Deferred Growth
Grow your money faster without paying taxes each year.
Smart Solution
Strong fit for 401(k) rollovers, IRAs, and CD alternatives.
Annuities in Florida
Florida offers some of the strongest protections in the country, including protection for annuities from creditors and lawsuits.
Trusted Financial Strength
Backed by an A (Excellent) rating from AM Best² for reliability and stability.
Local Expertise
Miami's Trusted Safe-Money Specialist
for over 20 years
At Fernandez Financial, we speak your language—literally and financially. Whether you prefer English or Spanish, we walk you through every step to ensure you understand exactly how your money is protected and how these rates work.
Act Now
Why This Matters Today
High interest doesn't last forever.
Rates move. Markets shift. Opportunities close.
Locking in a competitive fixed annuity rate now can:
This is safe, predictable growth backed by financial strength, not speculation.
Ready to See How Much More
Your Money Could Be Earning?
Let's talk.
We're available in Coral Gables, virtually, or by phone.