One retiree, one specialist
If it’s a fit, we introduce you to one specialist. Not five. Not a call center.
How we make money
Free for you. Here’s who pays us.
Money Neighbor is free for retirees. You should know why. Licensed specialists pay us to meet people who want help. That’s our whole business. Here’s how it works.
What you pay us
Income Check$0
20-minute call with our team$0
Meeting one specialist$0
Total$0
The short answer
Specialists pay us. You never do.
You
Take the free Income Check. Want to talk it over? Pick a time for a free call with our team.
You pay us $0Money Neighbor
Our team calls you. If it’s a fit, we introduce one licensed specialist in your state.
One introductionA licensed specialist
An insurance agent or financial advisor. You meet on a Zoom video call, at a time that suits you.
Pays us a feeSpecialists pay us a fee for the meetings we set up. That fee pays for the Income Check, our guides and the team who calls you. You never pay Money Neighbor anything. You never have to buy anything.
Our policies
What we promise, in writing
These are our rules. If we ever change one, we’ll update this page that same day.
We never sell your information
We don’t sell your name, number or answers to lead lists or data brokers. Those are companies that sell people’s details. We never pass you to more than one specialist.
We don’t sell insurance or give advice
We teach and we match. We are not an insurance company, broker or financial adviser. Any advice comes from the specialist. The choice is always yours.
No obligation, ever
Talking with a specialist is free. You never have to buy anything. “No thanks” is always a fine answer.
How specialists qualify
Who we’ll introduce you to
Before a specialist can meet anyone through us
Licensed in your state
They must hold an active license in your state. It must cover what they talk about with you. We check the state’s public records.
Agreed to our standards, in writing
No pressure. Before you decide anything, they explain every fee in plain English. That includes any surrender charge, a fee for taking money out early.
What we can’t promise
We aren’t on every call. We can’t promise any product is right for you. If a specialist breaks our rules, tell us at hello@moneyneighbor.com. We’ll look into it. We stop sending people to specialists who break them.
Does paying more change who I meet?
It can. Some states have more than one specialist. Some of them pay extra to be first in line. Every specialist must meet the same rules. And you’re always free to say no.
Before you decide
What to ask any specialist
Ours or anyone else’s. A good specialist will be glad you asked.
“Are you licensed in my state, and for what?”
Insurance, investments or both. It tells you what they can and can’t sell.
“How do you get paid if I buy?”
A commission, a fee, or both. You deserve a straight answer.
“What are the surrender charges, and for how many years?”
Many annuities charge a fee if you take out too much early.
“What fees come out each year, in dollars?”
Percentages are easy to skim past. Dollar amounts aren’t.
“What’s guaranteed, and who backs it?”
Annuity guarantees depend on the insurance company’s ability to pay its claims.
“How much can I get to in an emergency?”
Know how much you can reach, and what it costs to take it out.
“Can I have this in writing to read at home?”
Take your time. A good decision can wait a few days.
“What would you do if you were in my shoes?”
Then ask why. The reasons matter more than the answer.
Check anyone yourself. Your state’s insurance department website lists licensed agents. Look up financial advisers at adviserinfo.sec.gov and brokercheck.finra.org.
Start with the free Income Check
See how much your savings can pay you each month. Free. Takes about 60 seconds.
Take the Income Check
A licensed specialist? See Money Neighbor for Advisors