Why hasn’t my financial advisor ever told me about this?
Presented by: PersonalPensionAccounts.com
Posted: February 1, 2023
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3. Secure Lifelong Income
Dear Friend,
Are you tired of worrying about how the state of the stock market will impact your quality of life in retirement and if you’ll outlive your money?
If so, this may be the most important message you'll ever read about your retirement.
Why?
Because if you are over 40 years old and have an orphaned 401k, IRA, or TSP from a previous employer, you may already qualify for a Personal Pension Account (PPA) and not even know it.
- You pay taxes on growth (the minute you withdraw)
- Your growth & principal is not guaranteed (most 401(k)s rise & fall in lockstep, with the market)
- Your money is not liquid (early withdrawals are penalized up to 10%).
What’s a Personal Pension Account (PPA)?
- You don't pay taxes on growth, but...
- You can only deposit $6,000 /yr
- Growth & principal isn’t guaranteed - like most 401(k)s
- Not liquid (same 10% early withdrawal penalty)
A PPA is a little-known financial vehicle that can turn your nest egg (of as little as $50,000) into guaranteed income for life.
The best part is, when you leverage this IRS-approved account for your retirement, you participate in market growth, but your principle is protected from all market losses.
How?
The same way it used to be done.
These days, most Americans rely on a 401(k) for their retirement, which means the whims of the market determine their post-career quality of life.
But it wasn’t always this way…
Just 50 years ago, the average American could rely on a pension.
With a pension, employers guaranteed you a set income for life, and (more importantly) shouldered all the investment risk for you.
That meant that no matter what happened on Wall Street, you could enjoy the same (or better) quality of life throughout your retirement, regardless of how long you lived.
But in 1979, that all changed.
- You never pay taxes on growth, Ever. ( This is 100% legal if your TFRA is set up to be compliant with current IRS tax-code.)
- You can deposit as much as you want. (No contribution limits - every cent in grows tax-free)
- You never report income to the IRS, Ever. (The IRS doesn’t classify “income” as “income” inside this kind of account)
- Your interest rate can be guaranteed. (Your money grows at the same yearly rate as when you opened your account— even if the market crashes)
- Your money can be liquid. (Your account growth and value— can be accessed in any amount—at any time—without penalty)
The Problem With Your 401(k)...
Did you know 401(k)s were not designed by the U.S. government or the IRS?
It’s true. A benefits consultant named Ted Benna created them.
In 1979, he noticed that the rules outlined in the Revenue Act of 1978 allowed employers to create tax-advantaged savings accounts for their employees.
From that point on, 401(k)s took off like a wildfire, replacing pensions in their path.
By 1983 nearly half of all large firms offered 401(k)s to their employees as an alternative to a pension.
And now, pensions are obsolete.
Why?
Employers were drawn to 401(k)s because the employee, not the employer, shouldered the investment risk.
This meant, in the case of an economic downturn, companies wouldn’t have to worry about going bankrupt paying out pensions.
That’s good news for employers, but bad news for Americans.
While a 401(k) can potentially offer higher growth and more flexibility, the majority of analysts agree that it does not make up for its increased risk.
From an employee perspective, pensions are a better retirement vehicle because all the risk is on the employer and they guarantee you a set income for life.
The bad news? Very few companies offer pensions anymore.
But the good news is…
With a PPA You Can Reclaim the Benefits of a Pension, Even if Your Company Didn’t Offer One
You might be wondering…
“If this is so great, why hasn’t my financial advisor told me about this?”
There are a few common reasons…
REASON 1: Many financial advisors don’t know accounts like PPAs exist - nor, how to structure one to remain tax-advantaged for the account holder.
REASON 2: Most financial advisors only recommend financial vehicles their company tells them to recommend, instead of what’s best for the client.
REASON 3: Most financial advisors don’t know how to remove risk completely and still make your assets grow. They’d rather put it on you and keep you in the market where they can collect their fees.
You see, most investments come with inherent risk.
In order for an investment to be “guaranteed” someone has to shoulder that risk on behalf of the client.
- With a pension, the risk was on the employer.
- With a 401(k), the risk is on you.
- With a PPA, the risk shifts off of you and onto the company insuring the account.
This is the primary reason most don’t offer it, even if it’s better for the client.
At PersonalPensionAccounts.com we specialize in removing risk from our clients retirement so they can trade the stress of watching the market for a secure retirement with more life long income.
To do that we only work with A-rated companies who have the best financial vehicles on the market to turn your orphaned 401(k) IRA or TSP into a PPA offering you the most income possible when you retire.
You Deserve to Know All Your Options
We believe every American deserves to know the options available to them, so they can make the best decision to take care of themselves and their loved ones in retirement.
The truth is, you may not qualify for a PPA.
But if you do...
You deserve to know so you can take advantage of lifelong retirement income (potentially for your spouse too) and never have to worry about market volatility or outliving your resources.
That’s why we created this free quiz, so you can easily see if you’re qualified.
Don’t settle for a 401(k).
Take the quiz below and get the answers you need to live out your retirement with peace of mind.
Discover if you qualify, complete the quiz below:
30 Seconds To Apply and Pre-Qualify
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