Blueprint Income Review

Blueprint Income
Blueprint Income - by, April 1, 2011
5/ 5stars
Blueprint Income
  • Editor Rating
  • Spectacular
Review Summary :

Matthew Carey and his partner Adam Colombo founded Blueprint Income in 2014. Ever since then the company has grown its share of the annuities market by offering prospective investors great deals and great rates of return while also partnering with some of the biggest insurance companies in all of the United States of America.

The company stands above the rest when it comes to collecting customer reviews and offers top-notch service. Find out if Blueprint Income is right for you.

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  • Affordable payments
  • Fantastic reviews
  • Great customer support


  • Retirement dates not flexible for younger investors
Quick Facts about Blueprint Income
Overall Rating:
Year Founded:2014
Company Headquarters:New York
Surrender Fees:Not applicable
Immediate Annuity Offered?:Yes
Longevity Annuity Offered?:Yes
Rates:3%-5% Annually depending on annuity selected
Reviewed By:Jack Choros
Published On:August 6, 2020
Last Modified:August 6, 2020
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Blueprint Income is dedicated to giving retirees and gold in your investors a blueprint for investing in annuities that rivals any other annuities competitor. The company’s leadership engages in creating a robust customer experience through fantastic marketing initiatives, great explanations of product offerings on the company’s website, and a commitment to great customer service as evidenced by the company’s number of positive reviews on various review websites online.

Blueprint Income offers products for people at all stages of their investing life, but the company also recognizes that most of their target audience will be people who are within five years of retiring, looking to sustain their retirement as it is now, or looking to leave behind their estate for their loved ones.

Blueprint Income also works with some of the best insurance companies in the world and is very transparent about the interest rates, terms and conditions that come along with investing in annuities, whether those annuities are fixed, immediate or variable funds.

Take a look at this robust review and find out if Blueprint Income’s products are right for you. We couldn’t give the organization the number one spot, but we definitely have it in our top five. Read more to find out why!

What is Blueprint Income?

Blueprint Income is actually more of an educational website. The site sells annuities to investors through its flagship product called Personal Pension. It’s a low cost solution for helping retirees gain some certainty as far as what their yearly yield is going to be and what they’re going to be of the live off during their golden years. Customers can purchase a Personal Pension annuity as long as they are at least 20 years old. Blueprint Income markets itself as a company that only sells annuities to customers that will benefit then the most.

Founder and Management Team at Blueprint Income

Matthew Carey is the co-founder and CEO of Blueprint Income.

Matthew Carey, CEO, Blueprint Income


Matthew Carey, CEO, Blueprint Income

He founded the organization in alongside his partner Adam Colombo in 2014. Since then the tandem has grown the company to one of the most respected annuities dealers in America.

The company offers great annuity investment products and great explanations of those products on their website. Blueprint Income is also doing a good job of collecting customer reviews on various platforms because of these two founders. But it’s not just the founders that contribute to the organization’s overall success.

Vice President of Product and Marketing Lauren Minches also plays a key role in the organization’s success. She’s been in the role for four years now and explained the company’s value proposition to prospects very well.

Together, Blueprint Income continues to increase its staff and increase its reach in the annuities market across the United States.

Types of Annuity Investments Offered at Blueprint Income

Although Blueprint Income sells its Personal Pension product as its best offering, the company sells all types of annuities. The basic types can be purchased online, and they fall into a few different categories.

  • Income Annuities
  • Fixed Annuities
  • Person Pension

Let’s go through a quick explanation of each.

Income Annuities

Blueprint Income does a great job of explaining what’s right for you and what’s not for each individual product category that it offers.

In the spirit of the way the display things on their website let’s run through some of the advantages and disadvantages.

If you want to guarantee a portion of your retirement savings, you’re in good health, value stability and you have money saved in your hoping to retire in the next five years, an income annuity is probably right for you.

It’s probably not the best option for you if you already have a fully funded pension through an employer, you have more than five years to go before retirement and you’re looking for higher returns over guaranteed income.

You can pay for this kind of annuity all at once with a lump sum payment and your income benefits can start kicking in right away or in the future. It’s up to you.

Fixed Annuities

Investing in a fixed annuity through Blueprint Income allows you to put up a minimum principle of $2,500 and up to a maximum of $3 million as your investment. Your investment term can be as little as three months or as long as 10 years. Compare that to a certificate of deposit that only allows you to invest up to a maximum of a five-year term.

Blueprint Income works with a variety of insurance companies that offer you anywhere from a 2% annual rate to nearly a 4% annual rate for terms ranging up to 10 years. Some offer the option to withdraw and others don’t. Obviously if you’re willing to keep your money with a specific insurer for a long time and not take up the money, you’ll be paid more of a premium in terms of the interest you earn. The more you want flexibility, it’s likely you have to accept less of a return.

Fixed annuities are great for somebody that has more than five years to wait before retirement.

Personal Pension

Blueprint Income’s Personal Pension product is great for you if you still have a considerable amount of time in front of you to plan for retirement, your healthy and plan to live a long life and you want to guarantee of these part of your income going forward. That’s pretty self-explanatory.

If you getting closer to retirement, meaning you are within five years of it, you have a pension plan in you’re looking to beat Wall Street in the name of trying to earn higher returns, the Personal Pension probably isn’t right for you.

The Personal Pension is designed to give people who don’t have the fanciest pension plan waiting for them at the end of the road, but still want to experience some of the benefits. It’s designed to protect you from significant risks and still guarantees some longevity. The Personal Pension plan is designed to cover your fixed expenses like food, shelter and transportation, so if you already have a 401(k) plan or some other kind of pension, that’s good for you!

The Personal Pension guarantees you a monthly income whether or not the market crashes. It’s a concept it’s been around for a long time but Blueprint Income has its own version of it essentially.

Pricing and Fees

It’s always challenging to discuss the pricing and fees associated with annuities. Unlike precious metals IRAs, Bitcoin IRAs or other types of investment accounts, there isn’t necessarily a clearly defined metric for what the fees for an annuity are.

It’s because investing in an annuity is a partnership between the investor and the insurance company guaranteeing the investment. Most of the time if not always, there are no upfront fees with annuities. There is no broker taking a commission charge. Instead businesses like Blueprint Income and other sites that promote annuities earn a commission from the insurance company for selling it to you, the investor.

The investor chooses the product that’s best for them and becomes the annuitant. The provider selling you the annuity earns a commission and the insurer takes a cut of the upside profit on any potential long-term gains. Everybody wins. The catch is that it’s hard to put fees into a chart and give you a clearly defined numerical representation of everything that’s easy to understand.

In general however, the cost of an annuity depends on your age, the amount you put down, the term you agree to, your gender, and the amount of risk you’re willing to expose yourself to.

If you really want to know how much of your money is being eaten away by fees, the best way to explain it is that insurance companies working with Blueprint Income will take between 1% and 5% of the income annuities purchased via the Personal Pension product. It can cost you as little as $100 per month to invest in this way.

Customer Reviews

Blueprint Income’s best review profile actually exists on a website we don’t really talk about that much here at Sophisticated Investor. lists a whopping 123 customer reviews and gives Blueprint Income a 4.9 out of five star rating. That’s really impressive, especially considering most annuities sellers don’t actually collect a lot of customer reviews.

Customers at Feefo say that it’s the best way to buy an annuity and that Blueprint Income’s website does a great job of explaining all the details surrounding the kinds of annuities that might be best for investors. They describe customer support and say how great it is and they talk about how great it feels to be well informed and have everything they need when it comes to making a decision on which annuity investment products to choose. also rates Blueprint Income a 4.6 out of five stars. Still a very good rating. rates the company a 4.8 out of five stars.

The bottom line is it’s clear across many different reputation management sites and review platforms that Blueprint Income’s scores really well. It should give you confidence in choosing the company as your preferred destination for annuity type investments.

Frequently Asked Questions

Take a look at some of the most frequently asked questions investors typically have about Blueprint Income and annuities in general.

What are the 4 types of annuities?

Even though Blueprint Income sells its own Personal Pension product and immediate and fixed annuities, annuities and general actually fall into four different categories.

First is the immediate annuity. Immediate annuities start paying you income us and as you make a lump sum deposit to pay your premium. In most cases you receive the income within 30 days and keep that income for the rest of your life. Using this kind of annuity is ideal if you’re already retired or on the cusp of retirement.

A fixed annuity pays you a fixed rate for a fixed amount of time. Invest for three years, five years or 10 years. This allows you to take advantage of better interest rates if you’re willing to lock in money for a longer period of time.

Variable annuities are good for somebody who’s maxed out their contributions in an IRA for example but still wants to maximize their returns in other ways. If you have money you’re willing to risk and you still have a bit of time before you’re ready to enjoy your golden years, you can try to beat the average annuitant and earn higher interest while taking on some risk. But of course with taking on risk there’s always a possibility that you can also lose.

The last option is the fixed index annuity. This is where the insurer hosting the annuity invests in index funds for you. The upside is that you benefit from potential gains, but the insurance company doesn’t take money away from you if the index fund loses money. You get protection on the downside and you still benefit from the upside.

How are fixed annuity rates guaranteed?

Insurance companies pay a commission to companies like Blueprint Income just for selling you the annuity. They engage in computing profits based on complicated mathematical formulas that enable the insurance company to guarantee itself a profit while serving a large number of investors. They are able to guarantee annuity rates because they do what most insurance companies do best. They manage their risk and consider yours.

Do I Have Access to the Money in an Annuity?

Yes it is definitely possible to access money within an annuity. The catch is that there are different rules to consider. Number one, the insurance company managing your investment can decide whether or not to allow early withdrawal without a surrender charge. In most cases a surrender fee can be substantial. What you also have to consider is that earnings in an annuity are tax-deferred, not tax-free. That means when you withdraw from an annuity, you risk the potential of not only paying up to a 10% penalty to the IRS, you’re also going to pay income tax on any potential gains. Add that to the fact the insurance company will likely penalize you up to 7% of your withdrawal, and most times it won’t be worth it to withdraw.

How are Annuities Given Favorable Tax Treatment?

Annuities are given favorable tax treatment from the standpoint of allowing investors to save money in a tax deferred fashion. What an investor can also do is try to leave some of the money behind for love ones through a limited liability corporation or a trust fund. That’s another way to save on taxes but that has more to do with the legal structure of the entities you hold the annuities, in not the annuity product itself.

Should You Invest with Blueprint Income?

There’s simply no question about it. Just based on positive customer reviews there’s no reason not to work with Blueprint Income. The company is one of the most well-respected third-party dealers of annuities in America. They offer a bit of something for everyone. Retiring early? No problem. Have a few years to go before you even think about retirement? Blueprint Income has that covered too.

The founder of the company Matthew Carey graduated from the prestigious Wharton School of Business in Pennsylvania and he’s been running the company for more than six years now. It’s clear that under his leadership, Blueprint Income is not just surviving in the competitive annuity industry, it’s thriving!

We definitely recommend doing business with Blueprint Income. You’ll be able to set it and forget it as far as your retirement is concerned, as much as any instrument can allow you to set it and forget it that is.

As always, make sure you do your research before you commit to one particular annuities provider, but definitely considered Blueprint Income one of the top choices!

Blueprint Income
Blueprint Income - by, April 1, 2011
5/ 5stars
Blueprint Income
  • Editor Rating
  • Spectacular
Review Summary :

Matthew Carey and his partner Adam Colombo founded Blueprint Income in 2014. Ever since then the company has grown its share of the annuities market by offering prospective investors great deals and great rates of return while also partnering with some of the biggest insurance companies in all of the United States of America.

The company stands above the rest when it comes to collecting customer reviews and offers top-notch service. Find out if Blueprint Income is right for you.

Have you purchased products from Blueprint Income? Leave a review!

Leave your rating

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