When you’re deciding what to do with your life savings, it can feel impossible to determine which of the thousands of annuity products are best for your goals. Artificial intelligence is providing factual clarity on a number of topics which were previously considered to be a matter of opinion or ambiguous.

Of all the annuities available, there is likely a very small subset that have the best characteristics for you and your specific plans. You are thrown into a sea of opinions and ambiguity in a world where many advisors question whether or not it’s even possible to backtest annuities. Artificial intelligence confirms that backtesting is in fact possible. You don’t have to take our word for it. Just ask ChatGPT.

At Carleton E. Averill, II & Associates, Inc., we’ll show you our own personal portfolio. We only recommend products we own ourselves. If you set up an appointment with us, feel free to ask us if our agent has their money in an annuity that resulted from our analysis.

Prior to the development of our intelligent backtester, we were basing annuity purchases on statistics, and then manually adjusting the allocation timing method to eliminate the Date Lottery. It was tedious, but it worked.

In fact, our methods have worked so well over the decades, that we invested millions of dollars into our artificially intelligent models that enhance those methods by performing backtesting as well as comparisons to measure propensities for returns.

We still count on our agents and fiduciaries for their expertise, but this technology works for us, and is allowing us to expand in a measured, valuable way.

Artificial intelligence now gives us, for the first time, the ability to share our process, proprietary testing tools, and methodologies that some industry thought leaders use to purchase their own annuities.