Ask us how legal changes to the Pension Reform Act and The Secure Act affect you !
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The Private Pension Group
Bill Christo
Founder/The Private Pension Group
President/Christo Financial
(603) 765-2795
Refined Foundation Capital and Retirement Solutions.
- Create Lifetime Guaranteed Cash Flow
- Maximize Long Term Care Dollars
- Minimize Future Taxes and Fees
- Create the Foundation to Protect and Grow your Family's Net Worth
Why Transfer the Risk in Your Portfolio?
How much of your Retirement Income would you like Guaranteed?
Why does effective Insurance matter?
The reason you insure anything is to transfer the risk AWAY from you and to the insurance company. Thereby, protecting your loved ones and your net worth from the risk of loss due to unforeseen events.
You pay a premium to the insurance company for them agreeing to accept this risk.
- You pay to insure your house against the risk of fire and damages.
- You pay to insure your car against the risk of damages and liability.
- You pay to insure your health to avoid the risk of huge medical bills.
- You pay to insure your life against the risk your loved ones may face when you pass.
- If you have a professional practice, you pay to insure it against liability risk.
- If you own a business, you need and pay for all kinds of insurance.
- You pay to insure your Mortgage.
- If you buy a boat or a plane, you pay to insure them.
- You may even pay to insure the health of your pets!
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 you may not actually have to pay anything at all to do so?
If your portfolio is always at risk, how will you comfortably pay your premiums and monthly bills ?
Your income and retirement portfolio are among your most valuable assets. Wouldn't it just make good sense to protect them?
Guaranteed Lifetime Income Strategy - Example
Actual client example
(Here is an example of just one of our options).
See an Actual Client Example below creating
cash flow designed to be taken on a monthly basis using one of our proprietary strategies.
(current rates effective 11/01/2022)
See how higher interest rates can work in your favor.
(Example Client)
Female ~ Age ~ 55
Client Concern;
Client needs to generate $60,000.00 of guaranteed annual income to cover expenses once they are out of the work force.
Strategy Objective;
Estimate Social Security payouts and create additional guaranteed monthly lifetime cash flow starting at age 65 to cover expected annual expenses.
- Initial Deposit; $250,000.00 - transferred from 401k
- Insurance carrier adds an additional 20% bonus to insure withdrawals are taken as lifetime income on a monthly basis.
- 8% compounded annual interest is credited on initial deposit and bonus.
- 8% interest rate guaranteed from year (1) through year (10).
- (In this example, 8% compounded interest is credited on all 10 years).
- After 10 years, this creates an income withdrawal base of $647,677.00. (called income benefit base)
- This, in turn, creates an annual lifetime income payment of $29,340.00 (amount based on client age when withdrawals start).
- This results in a guaranteed lifetime monthly premium paid directly to this client in the amount of $2,445.00
- The above strategy produces an annual minimum guaranteed payout of 11.74% on the original deposit of $250,000.00.
Overall Strategy Results Summary;
- Client's social security is estimated at $2,700.00 per month.
- This additional proprietary strategy (shown above) guarantees she will receive an additional minimum monthly payment of $2,445.00
- $2,700.00 + $2,445.00 = $5,145.00 payout per month for life.
- Guaranteed lifetime annual cashflow objective achieved = $61,740.00 annually
The above numbers are the minimum amounts guaranteed under this contract. (Actual results may be more than listed but cannot be less)
All contract terms must be honored to achieve quoted guaranteed results
(full illustration and contract terms available on request)
Please contact us to go over the full details on this strategy and how our many additional guaranteed options may be customized to fit your individual objectives.
How We Can Help You!
We provide refined Foundation Capital and Retirement Solutions primarily for a select group of families and workplaces who are looking to elevate the performance of their retirement assets and aspire to a financially secure future.
- In addition to your Social Security, we can create another reliable paycheck you could count on to pay your bills every month and have it guaranteed for life.
- Transfer the risk in your 401k or IRA away from your retirement savings and create a safe, private pension that will guarantee you monthly income for life while lowering fees.
- For our clients that are still in the accumulation stage of their working life! Create personal Roth-like IRA accounts that will grow tax deferred and allow for tax advantaged and tax free distributions from your retirement accounts. To be most effective and to avoid costly errors, these strategies need to be handled by experienced professionals with expertise in this particular area of financial planning. We are the team that can do this for you! Remember, the sooner you start, the better off you will be!
- Employ strategies to multiply your long term care dollars. (check out the videos below)
- Enjoy capital gains deferral on the sale of highly appreciated assets like real estate, your business or even artwork without the restrictions of a 1031 exchange.
- Implement life insurance strategies to protect you, your loved ones, your business, your estate and your wealth for future generations.
- Provide your business with unique employee benefits to attract and maintain a skilled workforce.
- We would like to listen to your concerns and help you learn exactly what all your options are when considering these issues and how they will affect you and your family and your net worth moving forward!
Interested in seeing how a safer, more strategic plan might work for you?
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!
Providing answers and offering solutions that address these common concerns our clients experience is what we do 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.
What we offer:
- Appointed with many national insurance carriers and partnered with many of the best investment and financial firms.
- We specialize in Nationwide Annuity and Life Insurance Company solutions (consistently outperform competition)
- Specializing in Tax Advantaged Guaranteed Lifetime Retirement Income
- Cash Value Indexed, Flexible Premium Universal Life Insurance
- Best in Class Fixed Indexed, Single Premium, monthly premium, Immediate and Deferred Annuities
- Asset Based Long Term Care
- Small Business, Tax Deductible Long Term Care Employee Benefits
- Highest Rated Safety Based Strategies Tailored to Fit Your Specific Goals.
The simple fact is, an ounce of protection is worth a pound of cure! That's what Insurance does!
As you know, you need to obtain the insurance before you crash the car. Make sure you still qualify and transfer your financial risk as soon as possible!
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!
Concerned about meeting in person?
No Problem! While Covid-19 has been an awful situation for people around 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!