At CopperKey Financial, we help you build a stable, guaranteed retirement income — so your savings outlast your retirement, and your peace of mind lasts a lifetime.
As you approach retirement, it's common to have big dreams and some doubts — that's completely normal. At CopperKey Financial, you can retire with confidence knowing a stable, long-lasting retirement income is possible with the right planning.
You're not alone if the term "annuity" is new to you. Think of it as creating your own personal pension plan — guaranteed income for life, no matter what the market does. We make it simple to understand and easy to act on.
Annuities offer a powerful combination of income reliability, market protection, and flexibility — all in one structured plan.
A reliable paycheck every month — regardless of what the stock market is doing.
Set to pay for as long as you live — eliminating the risk of outliving your savings.
Your principal and income are fully shielded from sudden market downturns.
Payments that don't fluctuate — you know exactly what's coming in every month.
Choose coverage for you and a spouse, or leave a lasting benefit for loved ones.
Once your plan is in place, income arrives on schedule — no daily management needed.
A 2024 study by the Center for Retirement Research at Boston College reveals a striking gap between retirees who want annuity income and those who actually have it.
About 50% of retirees with over $100,000 in investable assets said they would willingly purchase an annuity. But in reality, only 12–13% of that group actually have annuity income.
This gap — the "annuity puzzle" — reflects a lack of clear guidance. CopperKey Financial exists to close that gap for you.
Source: Center for Retirement Research at Boston College / Barron's, 2024
The result? Millions of retirees leave predictable, guaranteed income on the table — not because they don't want it, but because they never got clear, trusted guidance.
Randy Pearsall, Founder of CopperKey Financial, was born and raised in North Central Pennsylvania — the "Keystone State" — and later made Tucson, Arizona his home in the "Copper State."
The name CopperKey reflects his deep roots in both regions.
After earning his Bachelor's degree in Business and an MBA, Randy began his insurance career in 2012 by launching the Life Insurance Division for one of the nation's largest Field Marketing Organizations. He has since supported thousands of licensed insurance agents nationwide with product training, client consultations, and business development strategies.
Randy serves clients in both Arizona and Pennsylvania, bringing a personal, consultative approach to Life Insurance and Annuity planning. His focus: simplify complex topics so every client feels confident and in control.
Retirement should feel like a reward. Yet for many Americans approaching it, uncertainty piles up fast. Every fear has a solution — and it starts with turning savings into reliable, guaranteed income.
Read Article →When people first hear the word "annuity," it sounds like financial jargon. In reality, it's simply a product designed to provide steady, predictable income — your own personal pension plan for life.
Read Article →New articles added regularly — bookmark the blog to stay informed.
At CopperKey Financial, we believe the best retirement plan is one you understand and feel confident about. We'd be honored to help you see how an annuity may fit your unique goals.
Thank you for reaching out. Randy will be in touch with you shortly.
