Achieve Financial Confidence
How much of your Retirement Income do you want Guaranteed?
What We Do
We provide our clients and their families with balanced and customized financial planning secured by reliable lifetime monthly income.
We do this using the biggest, safest and most highly rated financial firms on the planet.
No one in this industry provides clients with better income planning solutions than we do.
While The Private Pension Group offers a variety of excellent options to invest your funds and enhance your net worth, we prioritize an "income first" approach to effectively distribute your accumulated assets.
Working with your goals and using your available
resources, we help you achieve the confidence and peace of mind to enjoy less stress in your financial life, invest more liberally and spend your savings without worrying about ever running out of money in retirement.
As experienced asset distribution specialists, we achieve this result by insuring and optimizing the amount of guaranteed by contract "Pension Like" income available to you monthly basis.
Do you want to see your numbers? Call us today.
Let's set up a time to talk about your family's
guaranteed income and financial longevity.
These individually designed plans are providing dependable income and ensuring financial peace of mind for thousands of our current clients, they just might be a perfect fit for you as well.
Services We Offer
Guaranteed Income Strategies.
Efficient Wealth Distribution.
Income Gap and Income Cliff Management.
Pension Buyout Plans.
401k - 403b - IRA Distribution Strategies.
Integrated Wealth Management.
Event Based Estate Planning.
Asset Based Extended Care Options.
Inherited IRA Options.
Lifetime Income Options.
Pension Risk Transfers.
Roth Conversions.
Financial Longevity Strategies.
The Private Pension Group / Retirement income Specialists
Bill Christo
President/Founder
The Private Pension Group
Income Specialist/First Income Advisor/Simplicity Financial Services
Retirement Income and Foundation Capital Consultants
Biography
After operating a successful, international photography business for over twenty years, Bill witnessed the digital revolution reshape all aspects of the independent photographer's lifestyle and financial landscape forever.
At the urging of a couple of successful financial mentors, Bill changed career paths, entered into the financial world and has been a licensed investment professional since 2010. Starting with New York Life, Park Avenue Securities, Edward Jones and Fidelity Investments, he moved on to more independent financial services roles and has helped hundreds of clients invest and grow their net worth in the securities industry.
In 2016, Bill founded The Private Pension Group (PPG) to help clients move safely and efficiently from the very different areas of wealth accumulation to effectively managed wealth distribution.
The PPG brokerage team, partnered with dozens of A+ rated financial firms, provides "income first" strategies to ensure their clients create the foundational wealth necessary to build successful financial futures.
By taking advantage of all available options, tailored to the individual need, our clients receive a clear picture of where they stand now and an actionable roadmap to where they want to be.
No one in the industry provides better income planning solutions than The Private Pension Group.
Bill resides on the Seacoast of New Hampshire along with his wife, Celeste and his two teenage kids, Tyler and Ana. When he’s not helping clients and their families, Bill enjoys skiing, sailing, cooking, traveling, high school sports and watching his kids become awesome young adults.
A balanced plan For a stress free retirement
Obviously, a balanced financial plan is not the same for everyone.
Every new political administration may make changes in policy and law that will have a serious effect on your retirement strategies. We intend to keep are clients fully informed of these changes and the resulting consequences. Sign up for our newsletter here.
As has always been the case, the market continues to be an endless rollercoaster of volatility, creating stress and insecurity in the lives of many pre-retirees, retirees and their families. When you are young and have all the time in the world, expected market volatility is not an issue, it's an opportunity. However, for the vast majority of people entering their retirement years, preserving, insuring and efficiently distributing the assets they have accumulated while mitigating tax burdens is, without question, the most desirable financial path to follow.
A plan that involves hoping for additional gains in a lifetime of savings while being unprotected and exposed to stock market risk in accounts like 401k’s, IRA’s and “managed portfolios,” can be extremely stressful. Studies show retirees that are not locked into worrying about their money in the market every day are happier and enjoy less stress in their lives. The simple fact is "risk" and "hope" are just not words client's enjoy hearing in their retirement plans.
There will be 10,000 baby boomers turning 65 in the USA every day for the next 18 years. We know from experience there is a better strategy than "hope" to help them avoid the fear of running out of money in retirement. Most clients we meet with have expressed the desire for something more financially reliable to replace the risk and anxiety caused by fluctuations in the stock market, divisive politics, inflation and an unpredictable economy. That is exactly what we provide.
With Social Security and Medicare always in question, using financial tools like Private Pensions, we can provide our clients with peace of mind, knowing that, at least, part of their money is safe, providing income and free from market loss. These strategies give clients confidence that no matter what happens in the market, they can give themselves “permission slips” to invest or spend their money however they choose. Additionally, Asset Based Long Term Care can ensure our clients never go broke in a nursing home.
Our clients are free to enjoy their wealth and invest more liberally. This is only possible when a portion of their assets are dedicated to producing income and ensuring their monthly financial obligations will always be met.
Many clients find themselves emotionally torn. They believe they need to make a choice between giving up the opportunity for growth in their accounts and "settling" for a small return on their assets in some form of income or... taking on more portfolio risk than they should, in the hope of increasing that income. We show them more viable options so they may not have to accept either of those scenarios.
We help our clients find the balance between income and investments in their portfolio.
Remember, the bottom line is this, while we love investing as much as anyone, the money we live on every day comes from income in one form or another. For over 90% of our clients, income is the #1 outcome we desire, and we want it to last a lifetime.
We will help you maximize your monthly income and sustain your family's Financial Longevity.
In the same way a successful builder needs blueprint, a sculptor needs a chisel or a carpenter needs a saw, Money is a tool. A tool that, when handled by an experienced craftsman, will give you the freedom to live life on your terms.
Please call me if you would like to see how your numbers may look through our lens.
Bill Christo
President/Founder
The Private Pension Group
Income Specialists
603-765-2795
You have questions ~ We have answers.
We understand that planning your retirement can be a daunting task and we are here to help guide you through that process successfully.
The PPG team is comprised of a network of hundreds of financial professionals working together to create the best financial plan for your individual situation.
Our recommendations will always be based on time tested, proven strategies, not over inflated promises, scare tactics or media misinformation. We offer full transparency in our strategic plans. We will share our recommendations with you in a relevant and personal way to be certain that you fully understand just how they fit with your overall financial plan.
Take a look at the list of questions below, do any of them apply to you?
If so, call us or schedule a Zoom meeting, we love to talk about this stuff!
1. What should I do if the stock market drops? How long does it usually take to recover? Will it hurt my retirement savings forever?
2. Is there a way I can tell if I am on the right track for retirement? Will I run out of money when I'm older? Is there an accurate way to predict my chances of success?
3. What exactly are Internal Roth Conversions? Do I have to use my savings to pay the IRS? Will paying taxes now hurt my earnings? Can I eliminate my future RMD's?
4. I have been putting money into my 401k and IRA for years, tax deferred - what are the consequences? What options do I have? When do I have to pay the IRS?
5. I hear having a "River" of money better than a "Pile" of money in retirement? - What does that even mean?
6. I hear about "Sequence of Returns" in retirement. What does that mean? Will that affect my monthly distributions? Can it wipe out my accounts?
7. Sometimes I hear Annuities are a bad choice. Why, don't they guarantee income? Aren't Pensions and Social Security just Annuities?
8. Why is it important to have your estimated lifetime monthly expenses "guaranteed" to be paid?
9. I hear Long Term Care insurance is really expensive - is it worth it? I heard I can multiply my LTC dollars with insurance that will keep me out of a nursing home. What are my options?
10. I don't have a Pension - can I create one for myself? How much will that cost me?
11. I heard something about the new Secure Act 2.0? How does it affect my 401k and IRA rollovers? Why do our kids and spouses have to spend down all the money we leave them in just 10 years?
Won't that increase the income they have to report to the IRS? Will they have to pay more taxes?
12. I hear a lot about guaranteed lifetime income, can I actually insure my retirement income forever? What about my spouse?
13. Why are some Financial Firms safer than others? Just how do they protect my money...or do they?
14. I haven't spoken with my Financial Adviser for years. How often should I be talking to my Advisor?
15. Are Non-Qualified funds better than Qualified funds for setting up Long Term Care?
16. Can I move my 401k, 403b or IRA and put them into something that doesn’t tax me for taking my own money out?
17. What will happen to me and my family if one of us becomes incapacitated? Is there planning that should be done beforehand? Who can make financial decisions for me if something bad happens? What if I'm still alive but can't make financial or medical decisions for myself? Will my family have to go to court to protect our assets? What does "Guardianship" mean? - What does "Conservatorship" mean?
18. Is Estate Planning just for the wealthy? What kind of fees should I be paying for Estate Planning?
19. Will life insurance help my family avoid probate? Are there forms I can file now to protect my assets later?
20. How badly is debt hurting my future financial plans? Should I pay off my mortgage?
21. How does my physical fitness affect my financial future?
22. I hear a lot of promises out there. I only have so much saved, what can I reasonably expect to accomplish in my particular situation?
23. I hear my biggest expense in retirement is going to be Taxes, is that true?
24. Exactly what is an "Income Cliff"?
25. Assets are not Income. What does that mean?
These are just a few of the topic we cover on a regular, one to one basis with our clients.
Each clients individual situation is unique. Our goal is to guide you on your road to a successful financial future.
We want to spend time getting to know you, your financial goals and explore the options you have open for achieving those goals. Working with us, you will know why any option was selected, the pros and cons of that option and how that option benefits you and your family now and in the future.
We know from experience, our best clients are our most educated clients!
Please subscribe to our contact list for more informational articles and videos to help you plan your ever changing road to success!
Contact Us
Better yet, see us in person!
Send me a message and tell me more about your financial goals and needs. I will get back to you ASAP to schedule a consultation in person, on the phone or on Zoom.
The Private Pension Group
12 Richard Road, Rye, New Hampshire 03870, United States
Bill Christo/Income Specialist First Income Advisor (P) 603-765-2795 (E) bill@theprivatepensiongroup.com
Hours
Open today | 09:00 am – 05:00 pm |
