A Pension is a product that was popular in the workforce in the 20th century for employees to be able to receive supplemental retirement income based on their working years. Since then, many companies have moved away from pensions and a majority of US adults are without this crucial source of income in retirement. Because of this, US Adults have to find other ways to save and generate income when needed. A Personal Pension isn't just a product, it's a financial strategy designed to help people prepare for retirement. Whether you are decades or weeks away from retirement, our Advisors will help you devise a game plan. Strategies could consist of a combination of products and solutions to make sure your needs are met.

Only 19% of US Adults qualify for a pension through their workplace and Pensions are one of the 4 major pillars of someone's retirement asset. Without it, your retirement can be very unstable and may have gaps that lead to running out of retirement money. Our Advisors work with clients to find these gaps in funding so you can have peace of mind as you enter your golden years. Many people don't realize that their are strategies out there that allow for you to fund or draw guaranteed income from your own personal pension. This is highly advantageous because it is not dependent on your employer and is an asset you can control!

Our advisors work in different capacities and are all independent. Personal Pension Advisors offer complimentary consultations at no cost to you. After the initial meeting and they present the gameplan, they may charge a flat fee, and advisory fee, or may be working off of commissions. Depending on which route you decide to go, they will present their offerings.

They all have an obligation to provide information and educate you on various topics during your initial meeting and follow reg 187 and Best interest, meaning they can only act in the best interest of the client and present solutions or products that are suitable for you. This insures that these advisors are not "selling" anything that is not in your best interest.

The advice you receive from your advisor varies depending on your specific financial goals and retirement needs. All advisors are fully licensed to educate you on various products and strategies that meet you needs. All financial advisors are independent from your pensions system and do not have access to your pension, retirement accounts, or other financial accounts. They will make recommendations based on the information you choose to disclose.

Of course, all the advisors in our network are fully vetted. They are licensed in their respective states and have no record of bad practices or criminality. The are all registered with the Financial Industry Regulatory Authority (FINRA) which is an organization in the US financial industry under the Securities Exchange Commission (SEC). This organization is the watchdog for broker-dealers whose core mission is to protect investors and ensure the integrity of the US Securities Markets. Additionally, all advisors are registered through Brokercheck, which is a free online tool that posts professional backgrounds. Our organization prides itself on transparency and quality service.

Since advisors do not automatically have access to any of your retirement accounts or records, ensure you come prepared with all of the information the advisor may need to accurate advise you. Paperwork such as 401k, 403b, 457, pension statements will help the advisor in developing sound recommendations. Other questions you should be prepared to answer include annual household income, amount of assets and debts, and short-term and long-term goals.

Yes, you can count on us to help with your specific state pension systems. We can easily connect you with the pension advisors who are trained in your specific state pension system. However, these advisors do not work for the pension system directly and do not have direct access to your account. These independent advisors are knowledgeable about your state pension system and will be able to answer questions regarding your specific state.