My Annuity Store is an independent annuity brokerage founded by a Raymond James executive and a licensed mental health counselor - because we believed middle-class Americans deserved better guidance than what the industry was offering.
Most of the people who needed annuities most were getting the least transparent version of them. We decided to fix that.
Jason Caudill spent years as an executive at Raymond James, one of the most respected wealth management firms in the country. He understood annuities - how they worked, how they were sold, and what the conflicts of interest looked like from the inside.
Middle-class Americans - people who worked 30 or 40 years, saved carefully, and were now trying to make one of the most consequential financial decisions of their lives - were navigating a market built around commissions and complexity rather than their actual interests.
He wanted to build something different. There was just one problem: his securities licenses and his position at Raymond James made that impossible.
So his wife, Kiara, stepped up. Kiara holds a Master's Degree and is a licensed mental health counselor - a career she still practices today. She is not a career insurance professional who stumbled into financial planning.
She is someone who spent her career studying how people make decisions under stress, how fear and anxiety distort judgment, and what it actually takes for a person to feel secure.
When Jason came to her with the idea, she got her insurance license. Not as a career pivot - she kept her counseling practice. She did it because she believed in what he was trying to build. They founded My Annuity Store together in 2020.
Two perspectives that don't normally sit in the same room - financial industry experience and behavioral health expertise. That combination is what makes the difference.
Jason Caudill, MBA
President & Co-Founder
Former Fortune 500 executive at Raymond James. Series 6 and 63 licensed. Built My Annuity Store to give middle-class Americans access to the same independent, transparent guidance available to high-net-worth clients at the large firms. He saw exactly how the industry's incentives were structured - and built something specifically to work differently.
Kiara Caudill
CEO & Co-Founder
Master's Degree. Licensed mental health counselor (still practicing). Licensed insurance professional. Kiara's background shapes every client conversation - retirement decisions are not purely financial. They are threaded through with fear, family dynamics, and decades of anxiety. She brings the balance between mental health and financial health that helps clients make decisions they can actually live with.
Most annuity companies are staffed by salespeople. We are not. Three things set us apart from everyone else in this space.
Financial Industry Veterans
Our team comes from the financial industry, not from insurance sales. We know how the incentives are structured - and we built My Annuity Store specifically to not be structured that way. Independent of any single carrier, transparent about how we earn, accountable only to you.
Behavioral Health Approach
Kiara's background in mental health counseling shapes every client conversation. Retirement decisions involve fear, family dynamics, and decades of accumulated anxiety. We help clients find the balance between what the math says and what they can actually live with - something no other annuity company offers.
Full Independent Market
We represent 90+ top annuity companies and show you the full independent market - including carriers that don't distribute through the large wire houses or bank platforms. That's frequently where the best rates are. If a carrier we don't represent offers a meaningfully better product, we'll tell you.
Jason has said it plainly: he has enough. The goal of My Annuity Store is not to maximize revenue. It is to help middle-class Americans retire with dignity and grace.
That sounds like a tagline. It is not. It is the reason Kiara got her insurance license. It is the reason Jason left a career at one of the most prestigious firms in wealth management.
We believe that a 62-year-old school teacher in Indiana, or a retired firefighter in Ohio, or a small business owner in Texas who built something over 40 years deserves the same quality of guidance that wealthy clients get at the large firms.
We do not sell your information. When you call us or submit a quote request, you are talking to our team - not to a network of agents who paid for your contact details.
We are transparent about our commissions, we don't sell leads, we represent the full market, and Kiara still practices mental health counseling alongside this work. That is not a coincidence. It is the business model.
If you are looking for a place to purchase an annuity with no pressure to make the purchase, then My Annuity Store is the place. They answered all my questions and never asked how much are you going to deposit. Jason and Kiara are very genuine people! I am very pleased with the great communication along the way. I was given updates as my application proceeded to issue. You can buy with confidence at My Annuity Store!
Working by the book. Easy to work with. Kiara is doing her job!
It very good interest rate for 5 years and easy to explain info. My agent Kiara very helpful with my process.
