Cynthia Brown Komarek graduated from the University of Kansas with a master's degree in education in 1979. She accepted a position as a financial adviser with Merrill Lynch in 1991, where she worked for seventeen years before joining Wells Fargo Advisors in 2008, where she worked until 2017. Cynthia Komarek also believes in helping people better their financial health using annuities.

Deferred annuities are uniquely designed for investors who are looking to set low-risk nest eggs for themselves pursuant to the later stages of their life where their financial sustenance may likely depend on those preparations. Deferred annuities are offered by insurance providers at specified interest rates. Once an investor buys a deferred annuity, they begin to earn interest on the principal amount (the amount they bought the package) tax-deferred but will be unable to withdraw the annual interest prior to a pre-agreed date in the future. In most deferred annuity contracts, the dates commence when the buyers retire.

The benefit of a deferred annuity is the potentially huge amount of interest a buyer will receive yearly once the pre-agreed date commences, since the interest earned in the prior years is added to the principal, resulting in compound growth of interest. Deferred annuities are ideal for people who are working toward total or moderate financial independence after retirement.