Secure your income.
Protect your future.
Enjoy the road ahead.

Tax-efficient retirement income strategies designed to help you turn your savings into reliable income, protect what you’ve built, and move forward with confidence.
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Meet our founder

Helping families nationwide turn their wealth into reliable retirement income

Based in New Hampshire and serving clients across the country, Bill Christo helps individuals and families create retirement income strategies designed around their goals, tax situation, and long-term security.

Bill Christo

Principal & Founder  |  Investment & Income Specialist
Bill brings a personal, relationship-driven approach to retirement planning, helping clients make confident decisions about income, taxes, investments, and their financial future. He founded The Private Pension Group in 2016 with a singular, vital mission: to guide clients through the critical shift from accumulating wealth to safely distributing and preserving it. Specializing in tax-efficient wealth management, structured retirement income, and legacy planning, Bill helps ensure your life’s work is protected against market volatility and unnecessary tax drag.
After running a successful international business for over two decades, Bill transitioned to financial services in 2010. Over his career, he has worked alongside top industry institutions including New York Life, Park Avenue Securities, Edward Jones, and Fidelity Investments. Today, as an independent advisor partnered with dozens of A+ rated financial institutions, Bill delivers conflict-free, “income-first” strategies tailored directly to each family’s specific goals.
A lifelong resident of Rye, New Hampshire, Bill remains deeply committed to his local community, serving as the Jenness Beach Precinct Beach Commissioner and Head of the Budget Committee. Outside the office, he enjoys life on the seacoast with his wife and their two children.
Bill believes retirement isn’t just about reaching a number. It’s about having the guaranteed income and tax clarity to enjoy the life you’ve worked so hard to build.
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Who we help

A guide on your retirement journey

We help individuals and families create a clear path to reliable, tax-efficient retirement income and greater financial confidence.
Retirees seeking
reliable income
Surviving spouses
Families planning
future income
Those transitioning
into retirement
Income-first advisory

Custom roadmaps for every stage of retirement

Guiding individuals and families nationwide to help transition safely from asset building to dependable, tax-advantaged income.

Retirement income strategies
Primary Focus

Retirement income strategies

Convert your nest egg into predictable, recurring monthly income. We engineer personalized distribution structures designed to protect against volatility, inflation, and sequence-of-returns risk.

Explore Income Strategies
Wealth management
Growth & Protection

Wealth management

Disciplined, tax-conscious investment management aligned with your comfort level. We construct balanced portfolios designed to preserve purchasing power while insulating capital.

Explore Wealth Management
Legacy and estate planning
Preservation

Legacy & estate planning

Protect your life’s work for future generations. We collaborate with legal and tax professionals to create seamless transfer strategies that minimize tax burdens and eliminate probate friction.

Explore Legacy Planning

How we work with you

Discovery

We start by understanding where you are, where you want to go, and what matters most to you.

Review financial landscape

We evaluate your income, investments, taxes, risks, and existing financial strategy.

Build strategy

Together, we develop a personalized strategy designed around reliable income and long-term security.

Implement plan & periodic review

We put your strategy into action and continue reviewing it as your life and goals evolve.

Clarity. Protection. Income for life.

A retirement income strategy built around your future not just your portfolio.

At The Private Pension Group, our approach is proactive not reactive. We help clients:

✔ Create reliable retirement income
✔ Reduce unnecessary tax exposure
✔ Protect against financial risks
✔ Coordinate investments and income
✔ Plan for the unexpected
✔ Preserve wealth for the next generation
Strategic retirement planning

Frequently asked questions

What are your three core services?

We specialize in three interconnected areas built around tax efficiency:

  • Wealth management: Disciplined portfolio construction, risk management, and tax-loss harvesting.

  • Retirement income strategies: Transitioning from savings to reliable, predictable distribution streams.

  • Legacy & estate planning: Tax-smart wealth preservation and seamless intergenerational transfer.

How do you make wealth management "tax-efficient"?

We don’t just focus on pre-tax returns. We implement strategic asset location, proactive tax-loss harvesting, and tax-aware rebalancing so you can keep more of your investment gains compounding over time.

How is a retirement income strategy different from regular investing?
Regular investing focuses on accumulating wealth. A retirement income strategy focuses on distribution, setting up monthly cash flow, coordinating social security timing, and potentially executing phased Roth conversions to help protect you from rising taxes and market downturns.
When should i start legacy and estate planning?
Usually, the earlier, the better. Estate planning helps ensure your assets transfer smoothly to your family or chosen charities without heavy tax penalties, unnecessary legal delays, or probate complications. We work in coordination with your CPA and estate attorney to help align your legal documents with your financial strategy.
Can i work with you on just one service, or do i need all three?
While our clients typically achieve the best results when all three pillars are coordinated together under one tax-efficient plan, we can begin by addressing your most pressing priority whether that is optimizing your portfolio, building a retirement paycheck, or structuring your estate.
Who is the Private Pension Group designed to help?
We work with individuals, retirees, and business owners throughout New Hampshire and the United States who want to protect their life’s work, minimize life-long tax exposure, and secure guaranteed income.
How much does the initial strategy call cost?

Your initial 40 to 45-minute discovery call is completely free with zero sales pressure. We review your current accounts, identify potential tax inefficiencies across your wealth and retirement plans, and discuss next steps.

What ongoing support do you provide after building the initial plan?

Financial planning is an ongoing process. We continuously monitor your portfolios, conduct annual tax and distribution reviews, and make proactive adjustments as tax codes or your personal goals change.

Ready to secure your retirement income with confidence?

Build an income-first, tax-efficient strategy designed to help you create reliable retirement income, manage taxes, and protect the wealth you've worked hard to build.
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