The Problem…

"Only 21.8% of adults had an employer pension plan…

Source: 2014 Federal Survey, federalreserve.gov; 2015 Report on the Economic Well-Being of U.S. Households in 2014.

So if you're thinking about retirement…

It's Becoming Harder To Find Guaranteed Income1

That's a significant problem because aside from Social Security, there are only two other traditional sources of guaranteed income in retirement. Employer pension plans, which we already know fewer and fewer people are having access to, and certain types of annuities – which can be used to fund private pensions2.

How much will it take?

Discover what you have to have

If your getting financially prepared for life after work, it's time to start thinking about how much you will have to have in order to cover essential expenses.

Experts suggest you may need 85% or more of your current income to continue your lifestyle when you retire. Let's do the math and determine how much income you can rely on from pensions and social security. We can then compare it to what it will take to provide for your essential expenses. If there is a shortfall (gap), we can integrate a private pension2 into a new portfolio allocation to make up the difference. This is our Hybrid Investment™ model; a firm position play that can be used to help control portfolio risk.

Proof of Concept
Let's figure out your replacement income…

Separate Your Expenses Into Categories Essential | Lifestyle

"Then take the totals of each and subtract from the appropriate source of income. Guaranteed Income1 minus Essential Expenses, then Savings & Investments minus Lifestyle Expenses. The ultimate goal is to identify any gaps.

GUARANTEED INCOME -

  • SOCIAL SECURITY
  • EMPLOYER PENSIONS
  • ANNUITIES1
  • PRIVATE PENSIONS2

ESSENTIAL EXPENSES

  • PRIMARY HOUSING
  • UTILITIES & FOOD
  • TRANSPORTATION
  • PERSONAL CARE
  • HEALTHCARE & INSURANCE

SAVINGS & INVESTMENTS -

  • IRA, 401k, 403b, TSP, etc.
  • STOCKS & BONDS
  • MUTUAL FUNDS & ETFs
  • CDs, SAVINGS & M/M
  • REAL ESTATE & RENTALS

LIFESTYLE EXPENSES

  • TRAVEL & VACATIONS
  • ENTERTAINMENT
  • HOBBIES & RECREATION
  • CHARITABLE GIVING
  • VACATION HOME
PRIVATEPENSION.COM
Why PRIVATEPENSION.COM rocks!

Our awesome core competencies

We're another brand of the Financial Trade Center™ family of companies. Providing high quality, conflict free financial advice for twenty-nine years.

PENSIONROLLOVER.COM™

More and more private and public pensions are at risk. We help you use out of box thinking and top notch advice to make smart choices with your money.

Read more
PENSIONLIFEINSURANCE™

Create your income plan, now let's make sure it's there for your family by insuring it with tax-free life insurance.

Read more
ROBOADVISOR.COM™

Save money and time while getting big time access to our digital investment platform featuring the latest in fin-tech fused with real advisor DNA.

Read more
HYBRIDINVESTMENT™

Integrating annuities into an investment plan is nothing new. Using our innovative technology to get it right…brilliant!

Read more
What we're all about…

Choose Financial Trade Center™

Because since 1990, we've lived a philosophy of helping our clients solve their toughest financial problems - while delivering high quality, unconflicted investment advice.

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What we'll do

We'll help to improve your overall finances and provide greater peace-of-mind.

We are dedicated to providing you with the best experience possible. Read below to find out why the sky's the limit when using PRIVATEPENSION.COM.

Create Guaranteed Income

Without clarity, you send a very garbled message out to the Universe.

Low-cost Investing

We know that the Law of Attraction says that we will attract what.

Provide Liquidity

we focus on, so if we don’t have clarity, we will attract confusion.

ftcexec
Have a look at our

Client Opinions & Reviews

Things We Monitor At PRIVATEPENSION.COM

Latest Articles

Trouble in candy land: How Peeps, pensions and a lawsuit…

Many of these multi-employer pensions are on track to run out of money. If the pension runs out of money, retired workers might only get a small percent of the money they thought they had earned…

By The Washington Post 3/30/2018

No Pension? You Can 'Pensionize' Your Savings

After years of working, many people face the challenge of converting their savings into a sustainable flow of income in retirement. Some researchers think they have a practical solution…

By The New York Times 3/12/2018

This Is What Life Without Retirement Savings Looks Like

Many people reaching retirement age don’t have the pensions that lots of workers in previous generations did, and often have not put enough money into their 401(k)s to live off of…

By The Atlantic 2/22/2018
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