Ask us how legal changes to the Pension Reform Act and The Secure Act affect you !
The Private Pension Group was founded by a partnership of like minded financial professionals to provide our clients with peace of mind in retirement.
We accomplish this goal by implementing safe and effective financial solutions that solve the three main concerns of most people planning for a secure retirement.
Studies show those three main concerns are:
1. How can I guarantee I will have enough income to last the rest of my life?
2. How can I protect my assets, mitigate my tax burdens and lower my fees in retirement?
3. How can protect myself and my family from the escalating costs of Long Term Care?
President/Christo Financial LLC.
Founder/The Private Pension Group
Specializing in Tax Advantaged Guaranteed Lifetime Retirement Income
Cash Value Indexed Life Insurance
Fixed Indexed and Single Premium Annuities
Asset Based Long Term Care
Capital Gains Tax Deferral
Do you think you would be happier and more financially confident if you had full control of at least part of your financial future? Would you feel better if you no longer had to worry about how stock market volatility might affect your income and lifestyle in retirement? Have you thought about staying fully invested in the market but would like to eliminate some of the risk in your portfolio? Please let us help you explore some options that may serve you better on the road ahead!
However, you need to create the protection before you actually need the cure!
Do you have money set aside for your long term care? Is it sitting in a low interest account like savings or a CD? If you qualify, we can show you how to multiply your long term care dollars and take distributions tax free by simply repositioning funds already in your CD's, IRA's and 401k's!
Check out the videos below
Would knowing your long term care costs will not disrupt your retirement plans or your family members lives, give you peace of mind?
Check out the short videos below to learn about innovative ways to multiply your funds for long term care!
Providing answers and offering solutions that address these common concerns is what we do for our clients everyday.
We are dedicated to finding innovative ways of creating enhanced retirement income, personal wealth, private pensions and tax advantaged long term care while mitigating taxes and fees!
There are many ways to do this depending on your personal situation. We look forward to hearing your plans and concerns for the future and helping you find the individual solutions that work best for you and your family.
Companies used to provide lifetime pensions. These pensions provided a guaranteed a paycheck for life. From the beginning of the industrial revolution, corporate pensions were an integral part of the growth and prosperity of the American economy.
Today, for various reasons, most companies no longer provide employee pensions. Some companies may only provide select employees with pensions and many companies can no longer afford to fully fund their pensions, leaving their employees retirement lifestyles at risk!
We believe every American worker should have access to guaranteed pensions that create security, confidence and financial independence in retirement without depending on the success, failure or policies of any particular employer, investment firm or political administration.
We will show you how reposition a portion of the retirement funds you have already saved to create and control your own guaranteed Lifetime Pension!
The reason you insure anything is to transfer the risk away from you and to the insurance company.
You pay a premium to the insurance company for them agreeing to accept this risk.
You are paying premiums on all these insurance products. It certainly gets expensive, but it's worth the peace of mind, right?
You understand the value in this protection and are willing to pay the price to avoid any negative consequences that may occur from an unforeseen event.
So, why are you not insuring your income and your retirement portfolio against the risk of loss? Especially when it doesn't have to cost you anything at all?
Your income and retirement portfolio are among your most valuable assets. Wouldn't it just make good sense to protect them?
Wouldn't it give you peace of mind to know they are safe from loss?
How will you pay all those critical insurance premiums along with all your other bills if you lose your income and savings?
Did you know, the average person works 80,000 hours before they retire? You cannot do it over!
The premium you pay the insurance company when you insure your retirement income is simply a trade off, you let them hold your money for a certain period of time, just like a bank or investment company would. You simply reposition the funds from an at-risk account to an in-kind safe account with the insurance company. They, in turn, pool it with everyone else's money in their general account and conservatively invest it to make a long term profit.
However, here is the big difference between an insurance company and a bank or investment firm.
Insurance companies are required by law to have a surplus account equal to every penny they need to payout. Each company is governed and regulated by each state they do business in. In certain products, by way of contract, they guarantee you will never lose any of your principal.
These are the products we use to secure your retirement income!
In addition to that, depending on the agreement, they then let you share in the profits and guarantee you income or benefits for a certain period or your entire life or they pass on your benefits to your loved ones.
Will your investment firm do that for you?
Does your 401K guarantee you won't lose money?
Is your IRA safe from losses?
Insurance Companies are the largest, most successful and most stable money managers in the world and have been for centuries!
Call us to see what we can do for you!
No Problem! While Covid-19 has been an awful situation for people across the globe, one positive is that it has increased awareness and trust in doing business online. While we miss in-person meetings, we are 100% on-board with virtual meetings through Zoom. When you request a virtual appointment, you will receive an email and all you will have to do is click on the link to attend our meeting. This may take a little getting used to but ultimately, it's easier, safer, more cost effective and less time consuming than traditional in-person meetings. This approach is the way many initial business meetings, in hundreds of different industries are happening now, and will be going forward. We do not see this trend reversing anytime soon so we are embracing this technology and we will help you embrace it as well!
Concerned about maximizing your Long Term Care Dollars?* Watch the videos below and call us for info specific to you!
*The videos below are generic and while they accurately describe what could happen, the actual strategies will vary according to the individual person, insurance carrier and what plans are available.
The Pension Protection Act of 2006.
How can it help you pay for long term care and never let you set foot in a nursing home!
Unfortunately, many people become fully dependent on their children or other family members everyday. It doesn't have to happen to you! We spend countless hours researching strategies that maximize your assets in order to protect your health and wealth! Let us show you your options!
Did you know you could structure your life insurance benefits to pay for long term care while you are living and still leave a legacy?
It's entirely possible to create monthly payouts that go directly to you as long as you qualify. Feel free to contact us to find out how this works!
Did you know that you can accelerate your term life death benefit to pay your skilled home care services while you are living?
We still can help! Watch how you can turn your savings or CD's into increased monthly payouts and in some cases, double your monthly check!
You are probably planning on using some of that money for long term care in retirement. Let us show you how you can take part of your IRA and increase your payouts tax free! Watch this short, eye opening video! it will show you strategies you probably didn't know were available to you!
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It is never too early to get started on your Personal Pension, Long Term Care and Strategic Retirement Plans.
Tell us more about your goals, and we will get you started on the path to achieve them.
12 Richard Road, Rye, New Hampshire 03870, United States
Monday - Friday: 9am - 6pm or by appointment
Saturday - Sunday: by appointment only
Copyright © 2018 Christo Financial LLC - All Rights Reserved.
Christo Financial LLC provides advice on retirement related financial strategies. The Private Pension Group is a subsidiary of Christo Financial LLC. Christo Financial LLC will never directly hold or accept funds. All financial transactions will be done through transfers directly to the financial firms chosen to hold our clients funds. All investments have fees associated with them. No company can successfully provide investment services without charging fees. It is impossible. Some fees may not be directly paid from the clients account. Your advisor should have no problem explaining the fees related to any financial product you are discussing.
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From time to time we may post third party information from the internet that we believe may be useful to help educate our clientele . We are not endorsing or accepting responsibility for anything on the internet. We do not endorse anything or accept any responsibility for anything, in any form, that may appear on your computer, including any comments regarding videos or anything else we have no control over such as other You Tube videos, advertisements, pop-ups etc. all of which are subject to change, part of the risk of using the internet and completely out of the control of Christo Financial LLC or its affiliates. Christo Financial LLC may provide links to sites on the internet. Any links provide by Christo Financial LLC are strictly for informational purposes only and anything that may appear on any of these links or other material that may appear on your computer should not be considered, in any way, investment advice in any form. If you do not understand this, please discontinue use of these links and contact Christo Financial LLC immediately. This disclaimer applies to every video linked to You Tube or to any other media outlet or website on the Christo Financial LLC site. This disclaimer is also for each and every link connected with this site. Once you leave the Christo Financial LLC website, Christo Financial makes no claims, does not endorse or guarantee anything, including the information directly associated to the link provided. Christo Financial LLC makes every effort to validate the information given on any links provided but does not take any responsibility for its accuracy. If this disclaimer is not clear to you, please do not click on any link and contact us immediately.
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