Ask us how legal changes to the Pension Reform Act and The Secure Act affect you !
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Enjoy security now and in your retirement years!
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.
The Private Pension Group
Bill Christo
President/Christo Financial LLC.
Founder/The Private Pension Group
Specializing in Tax Advantaged Retirement Income
Cash Value Life Insurance
Fixed Indexed Annuities
Asset Based Long Term Care
and
Capital Gains Tax Deferral
Strategies
About Us
Over the years, we have helped thousands of clients just like you, grow and protect their wealth!
- How we can help:
- 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 moving forward!
The simple fact is, an ounce of protection is worth a pound of cure!
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.
Interested in seeing how a 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!
Why Transfer the Risk in Your Portfolio?
How much of your retirement income would you like guaranteed?
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 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 probably pay for all kinds of insurance.
- You pay to insure your Mortgage.
- If you buy a boat or a plane, you pay to insure that.
- 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 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!
Concerned about meeting in person?
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!