Bill Christo
President/Founder
The Private Pension Group
Retirement Income and Foundation Capital Consultant
Biography
After operating a successful 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, 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.
The Private Pension Group Strategy
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 strategy 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.
We have found that by using financial tools like Foundational Capital Strategies, Volatility Buffers, Tax Mitigation Strategies and Private Pensions, we can provide our clients with peace of mind, knowing that part of their money is safe, achieving conservative growth and 100% free from market loss.
These "safe money" strategies give clients confidence that no matter what happens in the market, they can give themselves “permission slips” to spend their money however they choose.
Our clients are free to enjoy their wealth and invest more liberally when a portion of their assets are dedicated to ensuring their monthly financial obligations will always be met.
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 wealth distribution.
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 how they may not have to accept either of those scenarios.
The PPG brokerage team, partnered with dozens of A+ rated financial firms, provides safe money 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.
Bill resides on the Seacoast of New Hampshire along with his wife, Celeste and his two teenage kids, Tyler and Anastasia. When he’s not helping clients and their families, Bill enjoys skiing, sailing, cooking and traveling, but his favorite pastime is watching his kids become awesome young adults.