Call 1-888-975-5598 to get started.


High interest rates have hurt many people’s retirement plans
The number one fear among people over 50 is running out of money for retirement.

Today's currently higher interest rates have negatively impacted many retirement plans, with a large number of 401K plans losing value. At APO Financial, we offer a way to make those high interest rates help instead of hurt by refinancing annuities.

Don't miss the opportunity to potentially INCREASE your returns

Similar to how refinancing your mortgage when rates are low can benefit homeowners, “refinancing” your annuity when interest rates are higher can potentially increase your annuity value. This is determined by reviewing your current annuity to see if it makes sense to replace it with a newer annuity that could offer greater growth potential for your money. We want to get this information out to as many people as possible because no one knows how long today’s interest rates will last.


Call Now 1-888-975-5598

Ready to find out more? Call the number above to have our team of licensed insurance professionals evaluate the potential of your annuity.

john 2

Who is APO Financial?

APO Financial Services is a Denver based company with nearly two decades of experience, owned by John Goodhue. We are a large investment advisory firm registered with the SEC as well as a licensed insurance agency to help meet our client’s retirement income needs. APO is an accredited member of the Better Business Bureau with an A+ rating. You can find out more at and also at

Frequently Asked Questions

Why now?

Today's historically high interest rates present a potentially lucrative opportunity for greater annuity returns that could enable you to increase your annuity income.

Who qualifies?

You may qualify for our annuity refinancing program if you purchased your annuity prior to 2021 and are under 80 years old,

How does it work?

Annuity refinancing involves replacing your current annuity with a new one that offers better terms or returns, a process similar to refinancing a mortgage but adapted for annuity investments.

How long do I have?

The success of an annuity refinance is closely tied to interest rates, which are volatile due to factors such as changes in economic conditions and monetary policy. No one can know how long today’s interest rate environment will last.


Did you buy your annuity before 2021?
Are you under the age of 80?

We're Here To Help You Succeed


Click the link below to read through our preliminary qualifications for refinancing annuities.

Read Our Qualifications


APO Financial is dedicated to providing personalized financial planning and wealth management solutions to help our clients secure their future with confidence and peace of mind.

Read More


Click the link below to schedule a free, 15 minute consultation!

Schedule a Call

Important Disclosures: Replacing an annuity is not suitable for everyone. You should carefully consider all features, costs, limitations and benefits of your existing annuity contract and any new proposed contract, as well as the financial strength of each issuing company. There may be surrender charges on your existing annuity, and you will likely be subject to a new surrender schedule on the new annuity. If your existing annuity has any living or death benefit riders, these values may be higher than your account value and you may forfeit any existing living and death benefit values. In addition, you need to be aware of any fee differences between your old annuity and the new annuity, as well as the contractually guaranteed rates and features between both annuities. Caps, spreads and participation rates on FIAs may vary, perhaps widely, among annuities, and are subject to change by the issuing company throughout the life of the annuity contract. Fixed indexed annuities generally offer guaranteed interest of 0% unless you are specifically allocated to a fixed interest allocation option. Future indexed interest is not guaranteed.

Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company. They involve fees and charges including possible surrender penalties. Product and feature availability may vary by state.

Information relating to annuities is intended for educational purposes only and should not be construed as comprehensive or all inclusive. Therefore, it should not be regarded as a complete analysis of the subjects discussed and should not be used to make an investment decision. If an annuity contract is surrendered early, there is the possibility of a surrender charge being imposed and/or the funds may be subject to income taxes. The IRS may also impose a 10% penalty on withdrawals prior to age 59 ½, depending on the circumstances. With indexed annuities, there is the potential to lose money, depending on the product charges and minimum guarantee contract provisions. For additional information on fixed annuities, reference the following web sites: National Association of Insurance Commissioners ( or your state's Insurance Department.[SD1] 

Investment advice is offered through APO Financial Services, LLC (“APO") 10155 Westmoor Drive, Suite 125, Westminster, Colorado 80021-262, an investment adviser registered with the Securities and Exchange Commission. Registration with the SEC should not be construed to imply that the SEC has approved or endorsed qualifications or the services offered or that its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to APO are available at Additional information pertaining to APO’s registration status, its business operations, services and fees, and its current written disclosure statement is available on the SEC’s investment adviser public website at