We provide our clients and their families with thoughtful, safety based financial planning. Our mission is to secure your successful, stress free financial foundation with solid strategies that minimize risk and guarantee results.
Let us show you how the right plan will allow you the confidence to enjoy your life and spend your savings without worrying about ever running out of money in retirement.
Contact us and set up an appointment today. We will show you how this process has worked for millions of satisfied clients and how it might work for you.
Retirement Income Strategies
Private Pensions
Conservative Wealth Management
Partial Internal Roth Conversions
401k - IRA Rollovers
Efficient Wealth Distribution
Guaranteed Interest Fixed Annuities
Fixed Indexed Annuities
Indexed Universal Life Insurance
403b - 457 Certified Advice
Term Insurance
Business Insurance
Estate Planning Documents
Asset Based Long Term Care
Legacy Planning Options
Debt Elimination
Tax Mitigation Strategies
Infinite Banking
Inherited IRA Options
Guaranteed Lifetime Income
Pension Risk Transfers
We are highly experienced in these areas of financial services.
We could easily write a book on each and every one of these topics.
However, regardless of how much we know, we still wouldn't know how to apply our help in your individual situation without getting to know you first.
Please contact us with your concerns and find out what we can do for you and your loved ones today!
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.
At The Private Pension Group, we understand that planning your retirement can be a daunting task.
That's why we're here to help. Our team of experienced and financial planners will work with you to help ensure that your retirement is everything you've dreamed of and more.
Below, you will find a partial list of the topics on which, we strive to educate our clients. We approach all of these subjects and more, in detail, with math, science, historical results and 100% proven factual evidence....not over inflated promises, scare tactics or media misinformation. And...we try to do this in a relevant and personal way.
Here are some questions our clients typically have;
1. What should I do if the stock market drops? - Will it hurt my retirement savings forever?
2. Is there a way I can tell if I am on the right track" - Will I run out of money in retirement?
3. What exactly are Internal Roth Conversions? - do I have to use my own principle to pay the IRS?
4. I have been putting money into my 401k and IRA for years, tax deferred - what are the consequences?
5. Is 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 - will that affect my monthly distributions?
7. Sometimes I hear Annuities are a bad choice. Why? Aren't Pensions and Social Security Annuities?
8. Why is it important to have your estimated lifetime monthly expenses "guaranteed"?
9. I hear Long Term Care insurance is really expensive - is it worth it? 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 their income thats reported 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?
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 create my own pension by taking my 401k or IRA and putting 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 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 me 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. I hear a lot of promises out there. What can I reasonably expect to accomplish in my particular situation?
These are just a few of the topic we cover on a regular, one to one basis with our clients. Please call us with any of these questions, we love to talk about this stuff!
Additionally, we always back our recommendations with proven facts and actual past examples. 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 and your financial goals. We know from experience, our best clients are our most educated clients!
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Send me a message, and tell me more about your financial goals and needs. I will get back to you soon to schedule a consultation on Zoom.
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