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Mariah Maestas

Mariah Maestas Retirement Income Specialist Book a Call About Me Mariah Maestas specializes in helping individuals and families plan for a financially secure future. Whether you’re a young parent looking for a safe investment for yourself or your children, a mid-career professional looking to protect your portfolio, or a retiree looking to maximize your legacy, […]

Alex Wu

Alex Wu Retirement Income Specialist Book a Call About Me Alex Wu is a financial professional with extensive experience in personal finance focused on helping people protect their wealth and secure their financial future. He is en route to obtaining his CFP® certification. Alex brings a wealth of knowledge to clients seeking financial guidance. He […]

Matthew Swinford

Matthew Swinford Retirement Income Specialist Book a Call About Me Matthew rose through the world of fine dining, from culinary school to Relais & Châteaux hotels, Forbes five-star restaurants, and training under a master sommelier—learning to anticipate needs and deliver unforgettable experiences. When fatherhood called louder than the late nights and weekends, he left the […]

Thomas Kerfoot

Thomas Kerfoot Retirement Income Specialist Book a Call About Me Thomas Kerfoot has worked as a retirement income advisor for over twenty-three years and has extensive experience in creating safe income generating strategies. As a Certified Financial Planning practitioner, his approach to retirement planning is Fiduciary driven. His goal is to help his clients to […]

Patrick Schell

Patrick Schell Retirement Income Specialist Book a Call About Me Patrick Schell serves as a Personal Pension Advisor, providing a holistic approach to the Senior Space with a focus on Private Pensions, 401K, Long Term Care, and Medicare planning. My mission is to provide seniors with assistance in understanding and making the right decisions when […]

Sanderson Skardon

Sanderson Skardon Retirement Income Specialist Book a Call About Me Sanderson is a Charlotte native with a strong passion for helping clients achieve their retirement goals. As a dedicated financial professional, Sanderson focuses on creating personalized retirement strategies that provide both security and peace of mind. By taking the time to understand each client’s unique […]

Aaron Donaldson

Aaron Donaldson Retirement Income Specialist Book a Call About Me Aaron has been helping individuals and business owners for nearly two decades with their medical benefits and life insurance needs. Rooted in a core philosophy of education first, he provides his clients the information to make an educated decision. Outside of work his hobbies include […]

Deborah Zanelotti

Deborah Zanelotti Retirement Income Specialist Book a Call About Me I’m from Chesapeake Beach MD, married for 25 years, we have 3 children, 2 are active duty in the military and 2 grandchildren. I worked in the accounting field for over 20+ years and decided it was time for a change. I found my way […]

John Barchitta

John Barchitta Retirement Income Specialist Book a Call About Me John is a top Financial Planner at Prudential Advisors, specializing in tax and retirement planning. He is licensed in NY, NJ, PA, TN, MD, and FL, and is committed to delivering the best outcomes for his clients. Contact Details: 415-969-2646 johnbarchitta@hotmail.com New York Licensed Advisor […]

Kim Colby

Kim Colby Retirement Income Specialist Book a Call About Me Kim Colby holds the RICP® designation which stands for Retirement Income Certified Professional®. He has been helping families and individuals create income plans for 20 years. By eliminating “unnecessary risk”, mitigating taxes and establishing guaranteed income streams, he makes sure that his clients will never […]

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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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