Valoram Annuity Advisors

Retirement Income Planning

Turn your savings into income you can count on in retirement.

Valoram Annuity Advisors helps people who are nearing retirement or already retired see how annuities may fit into their income plan. We explain the options plainly, compare carriers side by side, and you decide.

Request a Free Consultation

What We Do

Annuity guidance from licensed insurance professionals

We are an independent insurance agency, so we can compare products from several insurance carriers.

01

Retirement income planning

Work out how much guaranteed monthly income you need and which annuity options could provide it alongside Social Security and your savings.

02

Annuity reviews

Already own an annuity? We review its fees, surrender schedule, riders, and income options so you know what you have.

03

Legacy and beneficiary planning

Set up beneficiaries and death-benefit options so that what you leave behind goes where you intend.

How It Works

A simple, no-pressure process

Step 1

Reach out

Send the form below or call us. We'll set up a time that works for you.

Step 2

Consultation

We go over your goals, your timeline, and the savings you have now. The consultation is free and you have no obligation.

Step 3

Your options, explained

We show you written comparisons of suitable products. You take your time and make the decision.

Contact Us

Request your free consultation

Fill out the form and a licensed advisor from Valoram Annuity Advisors will contact you. Your information is used only by our team to respond to you. We never sell it or share it with other agents or companies for marketing.

Phone: (408) 825-6726
Email: [email protected]
Office: 1810 Gateway Dr #380, San Mateo, CA 94404

Agreeing to receive text messages is optional and is not required to submit this form or to buy any product. See our Privacy Policy and Terms of Service.

© 2026 The Valoram Group LLC, doing business as Valoram Annuity Advisors · 1810 Gateway Dr #380, San Mateo, CA 94404 · (408) 825-6726

Annuities are insurance products issued by insurance companies. They are not deposits, are not FDIC insured, are not guaranteed by any bank, and may lose value. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Surrender charges may apply to early withdrawals. This site provides general information only and is not tax, legal, or investment advice. Not affiliated with or endorsed by the Social Security Administration or any government agency.