For Americans Aged 55+ With a 401(k), IRA, or Savings

Regain your peace of mind and enjoy retirement without worrying about money

The companies stopped offering pensions. That does not mean the strategy disappeared. See how retirees across the country are turning a portion of their savings into a guaranteed monthly paycheck that never runs out.

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See If You Qualify
Retired couple reviewing finances

Your Paycheck Stops.
Your Bills Do Not.

Sequence-of-Returns Risk

Market volatility in the first few years of retirement can devastate a portfolio. If you draw funds while the market is down, your principal may never recover.

The Unreliability of the 4% Rule

Designed in a different economic era, the 4% rule no longer guarantees your money will last 30 years in today's inflationary environment.

The Hidden "Longevity Tax"

Living longer is a blessing, but it creates a massive financial liability. Traditional IRAs aren't built to guarantee income past age 90.

A Guaranteed Paycheck That Never Runs Out

The Personal Pension

A modern private contract that provides institutional-grade security for individual investors. It functions exactly like the classic corporate pension plans of the past.

Principal Protection

Protect what you've spent 40 years building. Your strategy is designed to isolate your retirement income from stock market crashes.

Christopher Houghton - Independent Advisor
Meet Your Partner
Christopher Houghton:
An Independent Advisor Who Works for You

As a U.S. Veteran and independent national broker, Christopher doesn't answer to a corporate bank or an insurance company. He answers to you.

  • Service-First Mentality: Veteran Integrity
  • Unbiased Brokerage: Access to Every Top Carrier
  • National Reach: Helping Families Across the U.S.
SEC Registered Investment Advisor
Three Steps to Your Guaranteed Retirement Income Plan

A simple, pressure-free process designed for retirees 55+

1

Apply

Fill out a short application. It takes about sixty seconds. We ask a few questions about your age, your investable assets, and where you are in your retirement journey.

~60 Seconds
2

Schedule Your Call

If you qualify, you will be able to book a brief introductory call directly into Christopher's calendar. This call takes ten to fifteen minutes and confirms your details.

10-15 Minutes
3

Get Your Strategy

Sit down for a full strategy session where Christopher walks you through real numbers, real projections, and what your income could look like for life.

No Pressure
Start My Application

This Strategy May Be Right for You If:

  • You are between ages 55 and 75 and nearing retirement or already retired.
  • You have at least $200,000 in investable retirement assets (401k, IRA, 403b, or Cash).
  • Your primary goal is income certainty rather than high-risk growth.

This Is Probably Not the Right Fit If:

  • You have less than $200,000 in retirement savings.
  • You are looking for "get rich quick" speculative stock market returns.
  • You are under the age of 50 and still in the heavy accumulation phase of your career.

Frequently Asked Questions

Clear answers to help you decide with confidence

What is a self-funded pension?
It is a strategy that converts a portion of your retirement savings into guaranteed lifetime income, similar to a corporate pension. You receive a fixed monthly payment for life, regardless of market conditions.
How is this different from what my current advisor does?
Most advisors focus on managing market risk through diversification. This strategy eliminates risk for that portion of your money by contractually guaranteeing your income amount for life.
Do I have to move all of my money?
No. Most clients allocate a portion for guaranteed income and keep the remainder for growth, liquidity, or legacy. The exact split is based on your income needs and goals.
What does the consultation cost?
Nothing. Consultations are free and there is no obligation. Christopher is compensated by the insurance carriers only if a product is placed.
Is my money safe and protected?
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Christopher works only with highly-rated national carriers, and products are protected by state guaranty associations up to state limits.
Can I still access my funds if I need them?
Most products allow annual free withdrawals, typically 10%. The amount positioned for lifetime income is not intended to be fully liquid, but Christopher explains all liquidity options upfront.
How long does the process take?
Typically two to four weeks from your first call to having your income structure in place, depending on paperwork and carrier processing times.