About us
Who we are & what we do
You’ve spent a lifetime saving. We make sure you actually have income.
Millions of people do everything right they save, invest, and plan only to reach retirement with a balance on a statement and a knot in their stomach. Our income-first approach flips the traditional question: instead of asking “How much can we grow?”, we start with “How are we going to cover your life?”
- Retirement income strategies (income-first)
- Wealth management
- Legacy & estate planning
“We put a guaranteed monthly paycheck under your retirement first so the rest of your money gets to breathe.”
Guiding foundations
Our purpose & vision
Turning decades of dedicated saving into a lifetime of dependable, predictable income for families nationwide.
To turn a lifetime of saving into a lifetime of income so retirement feels like freedom, not a guessing game.
People plan for retirement for decades. They contribute to 401(k)s, build nest eggs, watch the markets, and tick the boxes. But far too many reach the finish line and realize they built a pile of savings not a paycheck. No one showed them how to turn what they'd accumulated into reliable, monthly income they couldn't outlive.
That's the gap we exist to close. Our mission is to help make sure the money you worked a lifetime for actually works for you when you need it most covering your monthly expenses for life, predictably and without drama, so the rest of your wealth is free to grow, to be enjoyed, and to make a difference.
A world where every retiree walks into retirement with a paycheck not just a portfolio.
We picture retirement the way it was always meant to be: a time of freedom, not fear. Where the question shifts from "Do I have enough?" to "What do I want to do next?" because the income that covers the essentials is already taken care of, guaranteed, for life.
We believe this kind of retirement shouldn't be a privilege reserved for the wealthy or the well-connected. It should be available to anyone who's worked hard, saved diligently, and wants straight answers from someone who speaks their language. That's why we're building something rooted in our New England community but built to reach families across the country Main Street values, nationwide.
Leadership & Advice
A personal approach to lifetime income
Bill Christo
Principal & Founder | Investment & Income SpecialistBill 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.
Our guiding standards
The values we stand by
Real advice for real people, rooted in real life not in some trading floor downtown.
Safety first, always
We build on bedrock, not guesswork. The income we create for our clients is designed to be there no matter what the markets, headlines, or economy do. Because peace of mind isn't a luxury in retirement it's the whole point.
Main Street, not Wall Street
We don't speak in Wall Street jargon, and we don't think you should need a finance degree to understand your retirement. We talk like neighbors, with plain English, honest answers, and no fine print designed to confuse.
Grassroots roots, nationwide reach
We're proud to call New England home, and just as proud to serve clients well beyond it. The same down-to-earth kitchen-table approach travels with us wherever we go. Doing right by people doesn't have a zip code.
Consistency you can set your clock to
We show up and follow through. We do the same careful work in year ten that we do in year one because trust is built in the boring, repeated, unglamorous moments of doing exactly what we said we'd do.
Accountability to you, every year
Your plan isn't a one-time handoff we forget about. We sit down with you, walk through it, and revisit it every single year. If life changes and it always does we adjust together, in language you can use.
Real life, not just credentials
We are real humans with real life experience, not an alphabet soup after a name. Twenty years in this industry and community roots taught us that money is about life and the best advice is what you can trust and act on.
Honesty, straight up
We'd rather lose a sale than mislead a client. That means telling you when a product doesn't fit, when a different advisor might serve you better, and when the simplest answer is the right one. No pressure, no spin, no steak-dinner seminars selling something you don't need.