01
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
The Fee-Based Annuity IMO
Built for Real
Fiduciaries
We align with fiduciary advisors and RIAs to eliminate commissions from annuity distribution. Transparent pricing. Institutional-grade products. Zero conflicts.
Free to use and be a member
0+
Advisor Partners
$0B+
Fee-Based AUM
0+
Carrier Partners
0%
Fee-Based Only
Registered Investment Advisors
Fee-Only Planners
Fiduciary Advisors
Independent Firms
Hybrid RIAs
Flat Fee Advisors
Advice-Only Planners
Hourly Advisors
Registered Investment Advisors
Fee-Only Planners
Fiduciary Advisors
Independent Firms
Hybrid RIAs
Flat Fee Advisors
Advice-Only Planners
Hourly Advisors
Why EthicalMO
The fiduciary standard,
applied to distribution
Traditional IMOs profit from commissions that create conflicts. We built something different.
01
Transparent Compensation
Fee-based only. No hidden commissions, no overrides, no revenue sharing. Your clients see exactly what they pay, and you never have to question whether a recommendation was influenced by compensation.
Zero Conflicts
02
Institutional-Grade Screening
Every product on our platform passes rigorous due diligence. We evaluate fee structures, carrier ratings, surrender schedules, and rider costs before a product reaches your desk.
03
Advisor-First Support
Dedicated case design team. Same-day response times. We work as an extension of your practice, not a vendor you have to manage.
04
Tech-Forward Platform
Modern tools built for how fiduciary advisors actually work. Exchange analysis, product comparison, compliance reporting — all in one place, all designed to save you time.
Platform
Powerful tools,
built for your workflow
Our technology suite streamlines every aspect of your annuity practice — from initial analysis to ongoing policy management.
Explore All Tools01
CRM Integration
Seamless connection with Wealthbox and other platforms. Sync client data, automate workflows, and eliminate double-entry.
02
Intuitive & Modern Interface
Clean design that makes complex calculations simple. No training manuals needed — if you can use a modern web app, you can use our platform.
03
Real-Time Product Data
Always up-to-date product information, carrier rates, and market data. No stale spreadsheets or outdated PDFs.
04
Client-Ready Output in Seconds
Generate professional comparison reports, fee analyses, and exchange proposals. Your brand, our infrastructure.
05
Compliance & Reporting
Seamless and automatic reporting for compliant billing. Every tool produces audit-ready documentation with suitability rationale generated automatically.
06
Product & Carrier Access
Direct access to top-rated carriers offering fee-based annuity products. Pre-negotiated rates, streamlined contracting, and a curated product lineup.
What Advisors Say
Trusted by fiduciaries nationwide
“EthicalMO solved the biggest tension in my practice — offering annuities without compromising my fiduciary standard. The fee-based model means I can recommend what's actually best.”
S
Sarah M.
CFP, RIA Principal
“The platform tools alone are worth it. Exchange analysis used to take me hours. Now I can build a complete comparison in minutes and present it to clients with full transparency.”
D
David K.
Fee-Only Financial Planner
“I've worked with traditional IMOs for years. The difference is night and day. No pressure to push products, no hidden compensation — just genuinely good products and real support.”
J
Jennifer R.
Independent Advisor, RIA
Products
Fee-based annuities,
rigorously vetted
Curated selection from top-rated carriers. Every product passes our institutional-grade screening process.
02Coming Soon
Variable Annuities
Investment flexibility with optional living benefits. Best for clients comfortable with market exposure seeking growth.
- Investment Flexibility
- Living Benefits
- Sub-Account Options
03
Multi-Year Guarantee
Predictable, guaranteed returns over a fixed period. Perfect for conservative clients seeking stability and certainty.
- Guaranteed Returns
- Fixed Terms
- Predictable Income
Process
Three steps to partnership
01
Discovery Call
We learn about your practice, your clients, and your goals to ensure we're the right fit for each other.
02
Platform Onboarding
Get set up with our full technology and reporting suite, curated product lineup, and dedicated support team. Most advisors are live within days. It's free to use us as a service — you decide how to charge your client, like a real fiduciary.
03
Ongoing Partnership
Continuous case design support, product updates, and platform enhancements. We grow with your practice.
Support
White-glove partnership
We don't just provide products — we provide partnership. Our team operates as an extension of your practice.
Dedicated Support
Named contact who knows your practice
Same-Day Response
Questions answered within business hours
Training Resources
On-demand learning for your team
Expert Guidance
Seasoned annuity professionals
FAQ
Common questions
Get Started
Ready to put ethics
at the center of your practice?
Join the growing network of fiduciary advisors who refuse to compromise. Schedule a call to see if EthicalMO is the right fit.
Fee-Based Only
Fiduciary Aligned
No Commissions