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At Intellicapital, we've made it our mission to help retirees and those new to investing navigate the complex world of annuity investing. An annuity is a contract between you and an insurance company that guarantees regular payments in exchange for a lump sum or a series of payments. This can be a valuable addition to your retirement savings account, providing a reliable source of income for life.

Fixed annuities offer a guaranteed interest rate, ensuring that you receive a steady stream of income no matter how the market performs. On the other hand, variable annuities offer the potential for higher returns based on the performance of the underlying investments. Annuities can also offer tax-deferred growth, allowing your money to grow without being taxed until you start withdrawing it.

Investing in an annuity can provide peace of mind, knowing you have a regular stream of income, even if you outlive your savings. But it's important to note that annuities are not a one-size-fits-all solution. You must consider the fees and surrender charges before investing.

That's why we've partnered with DPL to offer a commission-free turnkey insurance marketplace for fee-only financial planners. Our aim is to offer retirees annuity products are clear, transparent and easy to understand to help them make informed decisions. We understand that retirement planning can be overwhelming, which is why we've made it our mission to simplify the process and help you achieve your financial goals.

Efficient Income

Efficient Income

Annuities can generate income 40%* more efficiently than bonds.

Peace of Mind

Peace of Mind

Annuities act as a personal pension, guaranteeing income payments for life.

Asset Protection

Asset Protection

Annuities can protect assets from market volatility and other risks to income.

Discover modern annuities 

Discover modern annuities 

Conventional annuities come with hefty sales commissions built into the products.  Commissions that drive up your costs and reduce benefits. Modern annuities are commission-free—without sales commissions—providing you with lower costs, better benefits and a buying experience you control. 

Annuities provide income you can’t outlive
Annuities help mitigate the risk caused by volatile markets
Annuities can meet an income need for less money than bonds*

It costs about 40% less* to generate income with an annuity than with a bond.

See what a commission-free annuity can do for you.

* You will need to sign up for account with DPL to access tools below. Just sign up as a consumer for free access to all their planning tools for annuities. 

Time for a New Plan "A"

Time for a New Plan "A"

• It used to be that a portfolio of stocks and bonds could deliver a safe retirement. Not anymore.

• Retirements are expanding and can last 30+ years

• Portfolio diversification isn't enough to manage risk

• Today, a new Plan A is emerging for a secure retirement — stocks and annuities.

David Lau's Perspective: The Story of My Father



Retirees' emotional attitudes towards their retirement nest eggs are just as important as the actual dollars and cents.  Founder and CEO of DPL Financial Partners, David Lau, tells the story of his father's retirement worries and the peace of mind that enabled him to finally retire with an annuity.

About DPL Financial Partners

Founded in 2014, DPL believes consumers need access to low-cost, commission-free annuities and the powerful benefits they can bring to your financial plan before and during retirement. 

We work with leading insurance carriers to offer a range of curated, low-cost annuities – all built without commissions.  The savings are put back into the products to provide you with greater choice, value, transparency and flexibility than traditional, commission-driven annuities.

Carriers we work with include: