Built by Someone Who's Actually Done the Math.
Algoli Advisors was founded to bring institutional analytical rigor to retirement income planning — a category that needs it more than almost any other.
Rikin Shah
Algoli Advisors LLC
Stanford Graduate School of Business, MBA. Columbia University, BS Applied Mathematics. Six years on the M&A advisory team at J.P. Morgan, advising on transactions across financial services, healthcare, and industrials. Then financial-services private equity at Stone Point Capital — including direct investments in insurance carriers, distribution, and asset managers.
Founder of GetSure, an independent insurance agency licensed in all 50 states, focused on life insurance and annuities. Author of IUL On Trial — a 200-page evisceration of indexed universal life sales practices — and a forthcoming title on retirement income.
"I started Algoli Advisors because the same analytical rigor we apply to insurance product evaluation belongs in retirement income planning — and almost no one in this category is doing it. Wirehouses won't because they're paid on AUM. Insurance agents won't because they're paid on commission. Fee-only RIAs won't recommend annuities because annuities take assets out of their fee base. The result is a category full of people with conflicts of interest, and pre-retirees with no one to call."
The Accumulation Industry Has Perfected What It Sells. The Decumulation Industry Has Not.
For the last forty years, the retirement advice industry has been built around accumulation. Save more. Invest in index funds. Don't time the market. That advice is right, it's been delivered well, and the people who followed it are now retiring with real money.
The advice industry has not caught up to the second half of the problem. Drawing down those balances — across taxable, tax-deferred, and Roth buckets, with Social Security timing, Medicare/IRMAA constraints, surviving-spouse implications, and an optional insurance overlay — is structurally harder than accumulation. It involves taxes (every year), uncertainty (longevity, market, policy), and irreversible decisions (when to claim, when to convert, when to annuitize).
Almost no one in this category is built to do this work without a conflict. Wirehouses are paid on AUM and will never recommend annuitization. Insurance agents are paid on commission and will recommend annuitization always. Fee-only RIAs split the difference by refusing to discuss insurance at all. The robo-advisors don't try.
We exist to do this work without any of those conflicts. Flat fee, advice-only, fiduciary in writing, and structurally indifferent to whether the answer is invest, annuitize, or do nothing.
Five Things That Shape the Work.
Math Beats Adjectives.
Every recommendation we make is grounded in a number you can verify. If we can't put a dollar figure on it, we don't say it.
Insurance Products Have a Place.
When the math says so — not when the commission says so. An income floor is a real thing, and for some clients a SPIA or MYGA-with-GLWB is the right tool.
Your CPA, Attorney, Advisor, and Insurance Agent Should All Be in the Room.
We're the one who runs the meeting. The plan is built to hand off, not to lock in.
Plain Language for Non-Finance Audiences.
This audience is smart but not finance-fluent. We define IRMAA the first time and never say "decumulation."
No Urgency Manipulation.
No countdowns. No "rates change soon." The market does that already; we don't need to.
The Disclosure Block, in Plain English.
Separate entity. Algoli Advisors LLC is a separate legal entity from Algoli LLC (dba GetSure). Different ADV, different ownership structure on the agency side, different bank accounts, different operations.
No revenue share. Algoli Advisors does not receive commissions, referral fees, or revenue share from any insurance carrier, from GetSure, or from any third-party financial services firm.
Insurance options, not insurance referrals. When the plan calls for insurance, we hand you a list of independent options — GetSure included, but not preferred. Pricing through GetSure is identical to non-Advisors clients. You may purchase from GetSure, from another independent agent, or from a direct-to-consumer platform. Our compensation does not change.
Read the ADV. Form ADV Part 2A and Form CRS are the legally binding versions of this. Read them.
If This Sounds Like the Kind of Firm You Want to Work With —
Book the intro call. Twenty minutes, free. No slides.
Book the free intro call