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Tom Greenwell

Tom Greenwell Retirement Income Specialist Book a Call About Me With over 35 years of industry experience, Tom has helped countless individuals secure their financial future through strategic income and tax planning guidance. Tom’s deep understanding of the retirement landscape allows him to tailor solutions to each client’s unique needs. Tom believes in building strong […]

William Brayman

William Brayman Retirement Income Specialist Book a Call About Me William Brayman is the founder and CEO of William Brayman & Associates, a veteran owned firm specializing in Holistic planning. With over 25 years of experience in financial and estate planning with Bachelor’s degree in Finance. William, a US Army veteran, leads a coast to […]

James Garner

James Garner Retirement Income Specialist Book a Call About Me I help people create more certainty and peace of mind around retirement. After building my career through multiple market cycles — including the 2008 financial crisis — I learned that financial planning is about far more than numbers; it’s about helping people feel secure in […]

Rich O’Leary

Rich O’Leary Retirement Income Specialist Book a Call About Me I have been a financial industry professional for 35 years primarily in investing and wealth management. In the last few years, I have watched friends and family members enter the retirement stage of life after saving and buliding their retirement nest egg for their entire […]

Haylie Roehrig

Haylie Roehrig Retirement Income Specialist Book a Call About Me Hello, I am Haylie Roehrig, an Executive Marketing Director at Global Financial Impact, where I help individuals and families build secure retirement strategies. I specialize in protecting principal, creating reliable income, and ensuring clients don’t outlive their money. I take a straightforward, education-first approach so […]

Carl Lovsted

CJ Lovsted, CFP® RICP® Retirement Income Specialist Book a Call About Me I’m CJ Lovsted, a CFP®, RICP®, and founder of Lovsted Wealth, with nearly a decade of experience helping people turn their savings into reliable retirement income. I specialize in retirement income design, coordinating taxes, Social Security, withdrawal sequencing, and investment structure so every […]

Ken Walbridge

Ken Walbridge Retirement Income Specialist Book a Call About Me Ken is a family man, devout christian, on an assistant pastoral team, a missionary, a registered financial consultant and a certified estate planner. Ken was mentored by his father and two uncles , graduated with a finance degree from Arizona state university and is a […]

Kevin Schmidt

Kevin Schmidt Retirement Income Specialist Book a Call About Me Kevin was born and raised in Vancouver, British Columbia, Canada, before relocating to Southern California, where he graduated from California State University, San Marcos. Kevin started the AIM Partners upon entering the financial services industry. He has guided the agency with the principal goal of […]

Maria Kiger

Maria Kiger Retirement Income Specialist Book a Call About Me Maria Galvis Kiger is Co-Owner and Founder of The Veritas Group, Inc., and a Senior Financial Strategist with 10 years of experience. She helps individuals and businesses achieve peace of mind through Financial Illumination by taking a holistic approach to wealth, grounded in education, truth, […]

Ronald Guevarra

Ronald Guevarra Retirement Income Specialist Book a Call About Me Ronald Guevarra has been in the financial services industry for more than 25 years. He has a background in Finance and graduated from the University of Michigan. After graduating, he got his first start with the full-service investment firm – First of Michigan, which is […]

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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.

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