Independent retirement + insurance strategy
You don’t need another pitch. You need an answer.
Bring one question, one statement, or the whole plan. Mark will show you what the numbers support, what they do not, and what would have to be true before changing anything.
Pressure never.
2004
Skip the autobiography
What do you actually want to know?
Choose the question. See the first answer immediately. A broader conversation is available—not compulsory.
“Start with spending, dependable income, investable savings, and timing. That is enough to tell whether the idea looks plausible, tight, or premature.”
How Mark helps
Problems first.
Products later.
Each engagement begins with a decision, not a carrier shelf. The analysis can conclude that your current approach is working.
Can I retire—and what can I actually spend?
We compare dependable income with expected spending, then stress-test the gap your savings must carry. You get a useful first answer before a full planning engagement is proposed.
Is this contract any good for the job I need it to do?
We translate guarantees, income benefits, surrender values, crediting limits, riders, and issuer strength into an understandable keep-change-or-watch decision.
What happens to the other spouse if care is needed?
We model the care event first, then compare self-funding, family support, traditional coverage, and hybrid strategies without pretending one answer fits everybody.
Do I need this policy—and is it built to last?
We define the financial problem, separate guarantees from projections, and test whether premiums, cash value, loans, and death benefits behave as expected.
What breaks if markets, rates, or life refuse to cooperate?
We run understandable what-if scenarios across the whole retirement picture, including poor early returns, inflation, changing income, and a care event.
Can you handle the insurance work without taking over the relationship?
Yes. Mark can serve as the insurance specialist alongside an RIA, CPA, attorney, or existing advisor—with scope and communication agreed in advance.
The process
Bring the question.
We’ll show the work.
Comprehensive planning is available when it improves the decision. It is not the cover charge for a basic answer.
See the full processName the decision
What do you want to know today? That defines the first scope.
Read the real documents
Statements, contracts, riders, and guarantees—not generic averages.
Show the math
Plain scenarios, visible assumptions, and the losing columns included.
Choose the next step
Keep it, change it, watch it, or go deeper. You decide.
SALES
MAZE
What is different
Transparency is a workflow, not a slogan.
- The short answer first
- Assumptions you can inspect
- Alternatives, including doing nothing
- Tradeoffs in the same type size
- Compensation discussed before a decision
- A fake “instant” result behind a form
- Fear dressed up as urgency
- A replacement decided in advance
- A product compared to a straw man
- A disappearing advisor after issue
About Mark
“Why didn’t anyone show us this before we signed?”
That client question became the operating principle. Mark built his practice around translating dense contracts, modeling the decision in plain language, and letting the numbers arrive before the recommendation.
McCanney Capital Media
Learn enough to challenge the recommendation.
The media company answers the questions the industry tends to turn into funnels: Is my annuity any good? Can I retire? What is actually guaranteed?
Open the straight-answer library ↗Frequently asked
Questions that deserve a straight answer.
McCanney Capital helps families evaluate retirement income, existing annuities, life insurance, and long-term care risk. The work begins with the decision you are trying to make, then uses your actual contracts and financial facts to show what is working, what is uncertain, and what alternatives deserve consideration.
ONE QUESTION IS ENOUGH TO START.