Contact Us
Contact Us

Secure Your Retirement With America’s Most Reliable Pension Alternative1

Personal Pension Accounts provide predictable, lifelong income—without stock market risks or hidden fees.

Request Your Free Suitability Review

No strings attached. In order to see if you can qualify for a Personal Pension Account, we need to crunch your numbers in a way that nobody has done for you before, a process that only takes 15 minutes. There’s no obligation at the end, and you’ll leave with peace of mind.

How does a PPA work?

A Personal Pension Account (PPA) is a retirement savings vehicle designed to guarantee steady income for life while shielding your nest egg from market losses. Unlike 401(k)s or brokerage accounts, a PPA cannot lose money to market downturns and never charges annual management fees.

Guaranteed Income

Receive dependable monthly deposits you can’t outlive.2

0% Floor

Your account value is protected—market declines cannot reduce your principal.3

No Annual Fees

Keep more of what you earn.4

Tax-Deferred Growth

Pay no taxes on gains until income begins, helping your savings compound faster.5

How Does A PPA Compare To Traditional Options?6

A Personal Pension Account combines the safety of bank products with the lifetime income retirees once enjoyed from company pensions.

Why Are Americans Choosing PPAs For Secure Income?

The largest money manager in the world recently performed a massive study on retirement and it revealed something surprising. Personal Pension Accounts solve the two biggest problems in retirement…
Contact Us

29% More Income

Those with PPA gain 29% more income.7

33% Less Risk

Individuals with PPA reduce their downside risk by 33%.7

How Important Is the 0% Floor?8

In every major downturn since 2000— the dot-com crash, 2008 crisis, COVID turmoil—PPAs preserved principal with a 0% floor. Traditional investors endured drawdowns as large as -38 %. With a PPA, you capture a share of the index’s gains without ever giving back previous growth.
Contact Us

How It Works9

1

Qualify

Complete a 30-second suitability questionnaire to confirm basic eligibility.

2

Customize

Your Licensed PPA Advisor designs a personal income schedule and reviews options tailored to your age, assets, and goals.

3

Activate & Relax

Fund your Personal Pension Account, lock in guaranteed income, and enjoy retirement knowing your checks will never stop.

Customer Testimonials

Priscilla L.

I regretted my 401(k), but now I don’t have to worry because of a Personal Pension…10

David K.

I was worried about taxes, inflation, and my legacy. Because of Personal Pension, I don’t have to worry anymore.10

Cheryl & Dave B.

A PPA turns 50k into income for life. Now I never have to worry about financial security again.10

John R.

Now I see why so many Americans are trying to get a Personal Pension.10

Frequently Asked Questions

How safe is a Personal Pension Account?
PPAs are issued by A-rated financial institutions subject to strict state regulation and reserve requirements. Your principal cannot lose value due to market decline.11
No. Unpaid value can be directed to a spouse or heirs, bypassing probate. Choose single-life, joint-life, or period-certain options with your advisor.12
While designed for lifetime income, many PPAs permit limited withdrawals or commutation options. Your advisor will outline any available flexibility.13
Optional cost-of-living adjustments can be added. Your advisor can model different COLA choices to see which fits your goals.14
No. There are no annual management or advisory fees inside a Personal Pension Account.15

With a 401K, IRA, TSP:

❌ Your growth & principal is not guaranteed (most 401(k)s rise & fall with the market)

❌ You’re expected to shoulder all the risk

❌ You have limited/no access to professional advisors (or you’re not seeing a return on your costly advisors’ fees)

❌ You and your spouse aren’t guaranteed a dime of life-long income

With a Risk-Free PPA:

✅ Your interest rate can be guaranteed. (You can count on consistent annual growth — even if the market crashes)16

✅ You activate life-long income and shoulder none of the risk (just like pensions used to offer)

✅ You can access a new account bonus (to help you recover from some or even all of your losses)17

✅ You get access to exclusive investment strategies normally reserved for only the wealthiest families in America18

REASON 1: Most financial advisors don’t know Personal Pension Accounts (PPA) exist – nor how to structure one that maintains a tax-advantaged status for the account holder.19

REASON 2: Most financial advisors only recommend the financial vehicles their company tells them to recommend.

REASON 3: Most financial advisors don’t know how to remove your risk while making your assets grow.

With a PPA, you get access to high-performing investment strategies usually reserved for only the elite and top 1% of income earners.

Do you keep crunching the numbers and pushing your retirement dreams back year by year?

Do you have an underperforming 401K, IRA, TSP?

Yes? Then a PPA could be right for you! But to know for sure, you need to click below and drop us a note.

Want The Financial Benefits of a Pension?

If you want to see how a Personal Pension Account may help you have more consistency, clarity, and income in retirement, press the button below and we’ll get back to you.
Contact Us

For educational and informational purposes only. Personal Pension Plan does not provide tax, legal, accounting, investment, or financial advice.

Menu

Personal Pension Accounts is a marketing website designed to educate consumers. It does not make product recommendations. Prospects who opt-in for more information may be referred to a state-licensed insurance agent who has paid a fee to receive the referral information. These independent agents are not employees of Personal Pension Accounts and may recommend products over which Personal Pension Accounts has no control
All research, case studies, charts, and related content (“website content”) strictly refer to insurance products offered by a state-licensed agent. This website content does not constitute an offer to buy, sell, or exchange securities and should not be the sole basis for financial decisions.
Personal Pension Accounts advertisements may reference indexed annuities, indexed universal life insurance, and other insurance-based strategies. Any guarantees mentioned are subject to the claims-paying ability of the underwriting insurance company.
Discussions in this advertisement are general in nature, based on various assumptions, and do not guarantee future performance. The appropriate type and amount of insurance depend on individual circumstances, financial situation, and needs.
This advertisement is not a formal illustration of any specific life insurance policy or annuity. Terms and conditions of life insurance products are subject to change by the issuing insurer.
Individuals should seek consultation with a qualified financial professional before making decisions about any recommended product.
For additional information, please review the Terms of Use and Important Disclaimers on this website.
1“Secure” refers to features of certain fixed insurance products, such as protection from market losses and guaranteed income options, subject to the claims-paying ability of the issuing insurer. “Most reliable” reflects industry use of annuity products as pension alternatives and does not imply superiority over all retirement options.
2All guarantees are subject to the claims-paying ability of the issuing insurance company and the terms of the contract.
3“0% floor” means fixed annuity contracts do not credit negative interest due to referenced market index declines. Principal protection applies only to fixed insurance products and does not address other risks (e.g., inflation, opportunity cost). Guarantees depend on the insurer’s claims-paying ability.
4PPAs do not charge investment-account–style management or advisory fees. Product charges may apply (e.g., rider fees, spreads, caps/participation rates, surrender charges). Review the contract for details.
5Tax treatment depends on individual circumstances and current IRS rules. Withdrawals may be taxable; early withdrawals may incur taxes and penalties. Consult a qualified tax professional.
6Comparisons to 401(k)/IRA/TSP and other arrangements are general and for educational purposes. Actual performance, costs, and risks vary by plan, investment selection, product, and market conditions. No outcome is guaranteed.
7According to a BlackRock study, adding guaranteed lifetime income to a retirement portfolio may increase annual spending ability by 29% and reduce downside risk by 33% compared to traditional approaches.
8“0% floor” means fixed annuity contracts do not credit negative interest due to referenced market index declines. Principal protection applies only to fixed insurance products and does not address other risks (e.g., inflation, opportunity cost). Guarantees depend on the insurer’s claims-paying ability.
9Analyses and recommendations are based on information you provide, product availability, and suitability requirements. No specific financial outcome is guaranteed.
10Illustrative Client Experience: These statements are for illustrative purposes only and are not verbatim accounts from specific clients. They are based on feedback and experiences shared by multiple individuals and are intended to demonstrate possible outcomes. Individual results will vary, and past experiences do not guarantee future results.
11Guarantees are based on the claims-paying ability of the issuing insurance company. Product terms, features, and protections vary by state and contract.
12Death benefit options and payout structures vary by product and carrier. Availability and terms depend on the specific annuity contract selected.
13Withdrawals prior to age 59½ may be subject to taxes and penalties. Withdrawals reduce contract values, benefits, and guarantees.
14Availability of inflation protection features varies by product. Adding riders or COLA options may reduce initial payout amounts or require additional charges.
15While PPAs do not have annual management fees like investment accounts, product charges (e.g., mortality & expense, rider costs, surrender charges) may apply. Review your contract for details.
16Guarantees are based on the claims-paying ability of the issuing insurer. Credited interest rates and caps vary by product and are subject to change.
17Bonus features vary by product and may be subject to vesting schedules, surrender charges, and other conditions. Bonuses are not always available and may affect contract values.
18Exclusive strategies” refers to features of certain insurance products. Access and suitability depend on the issuing carrier and individual qualifications.
19Statements about other financial professionals are general opinions and may not reflect the knowledge or practices of all advisors.

20Regulators may read “independent” as implying superiority or broader authority.

“Independent” refers to licensed financial professionals who are not employees of Personal Pension Accounts. They may recommend products over which Personal Pension Accounts has no control.

© 2025 Personal Pension Accounts™. All Rights Reserved.