Built for Real Fiduciaries
Transparent and ethical annuity solutions with no commissions. We align with real fiduciary advisors and RIAs to put clients first and take commissions out of their practice.
Why Advisors Choose EthicalMO
Built from the ground up with fiduciary principles at the core.
Transparent Compensation
Fee-based only. No hidden commissions, no conflicts of interest.
Institutional-Grade Screening
Rigorous product due diligence to ensure only the best options.
Advisor-First Support
Dedicated support team committed to exceptional client outcomes.
Tech-Forward Platform
Modern tools and analytics to streamline your workflow.
Powerful Platform
Our technology suite streamlines every aspect of your annuity practice—from initial analysis to ongoing policy management.
Explore All ToolsExchange Analysis
Analyze commissionable to fee-based exchange opportunities with detailed comparison reports.
Case Design Tools
Build compelling, compliant client proposals with automated calculations and projections.
Product Comparison
Side-by-side analysis of fee-based products from multiple carriers with transparent fees.
Book of Business
Track and manage your entire annuity portfolio with real-time status updates.
Compliance Reports
Generate audit-ready documentation and suitability reports on demand.
Carrier Access
Direct access to top-rated carriers offering fee-based annuity products.
Fee-Based Annuity Products
Curated selection of fee-based annuity products from top-rated carriers.
Fixed Indexed Annuities
Principal protection with index-linked growth potential. Ideal for clients seeking downside protection with upside participation.
- Principal Protection
- Index-Linked Returns
- Tax-Deferred Growth
Variable Annuities
Investment flexibility with optional living benefits. Best for clients comfortable with market exposure seeking growth.
- Investment Flexibility
- Living Benefits
- Sub-Account Options
Multi-Year Guarantee
Predictable, guaranteed returns over a fixed period. Perfect for conservative clients seeking stability.
- Guaranteed Returns
- Fixed Terms
- Predictable Income
How It Works
Discovery Call
We learn about your practice and clients to ensure we're the right fit.
Platform Onboarding
Get set up with our technology suite and curated product lineup.
Ongoing Partnership
Continuous support and case design assistance whenever you need it.
White-Glove Support
We don't just provide products—we provide partnership. Our team is dedicated to your success.
Frequently Asked Questions
Ready to Partner with EthicalMO?
Join advisors putting ethics first and building better outcomes for their clients.