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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 […]

Jennifer Parkhurst

Jennifer Parkhurst Retirement Income Specialist Book a Call About Me I help people retire smarter without the stress, spreadsheets, or sleepless nights. My passion for retirement planning started when I discovered my own options inside my 401(k) — and realized how few people truly understand what’s available to them. Today, I specialize in turning confusion […]

Ruth Slingo

Ruth Slingo Retirement Income Specialist Book a Call About Me Ruth Slingo is dedicated to helping individuals and families create secure, confident financial futures through thoughtful, personalized strategies. As a mother of four, she values relationships and understands the importance of protecting what matters most. Ruth takes the time to listen, educate, and guide each […]

Amy Lutke

Amy Lutke Retirement Income Specialist Book a Call About Me I’m passionate about helping people retire with peace of mind by creating lifetime income strategies that last as long as they do. With 15 years of experience and a love for travel (and great steakhouses!), I believe retirement should be about freedom, fun, and financial […]

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 […]

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 […]

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 […]

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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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