A paycheck for life, from your own savings.
If you have savings and would love a guaranteed paycheck for life, meet the Personal Pension Plan. Choose when payments start, cover a spouse, add an increasing option and keep the rest of your money free to grow.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
A paycheck for life, from your own savings.
If you have savings and would love a guaranteed paycheck for life, meet the Personal Pension Plan. Choose when payments start, cover a spouse, add an increasing option and keep the rest of your money free to grow.
20+ years in Deerfield Beach · Licensed Florida professionals · Hosts of Money Talks on the Blue Couch
The Personal Pension Plan is
Your Private Pension
The Personal Pension Plan is
A pension, built from your own savings
A generation ago a company pension covered retirement. Today retirement can last 25 to 35 years and the pension is gone. We calculate how much income you absolutely need, when you need it, and convert the right portion of your savings into guaranteed income that arrives every month for life.
Income For Life
You decide
- How long payments last: a set period or your lifetime
- Single life or joint life with your spouse
- Level payments or a built-in annual increase
- When the first payment arrives
- Refund options so heirs receive the unused balance
Tax-deferred growth. Interest is not taxed until withdrawn, so more of your money keeps compounding.
Florida guaranty protection. An additional layer of protection within statutory limits.
Our Personal Pension Plan is
Built to Last
Turn part of your savings into a paycheck that arrives every month, for as long as you live—no matter what the market does.
Get a paycheck for life with the
Personal Pension Plan
We separate your essential expenses from the nice-to-haves, measure the gap Social Security leaves, and fund that gap with guaranteed lifetime income. Cover a spouse, choose when payments start, and keep the rest of your money free to grow.
Income that cannot run out
- Guaranteed for your lifetime—or both spouses’ lifetimes
- Payments continue no matter what the market does
- Optional increasing-income feature to help with inflation
Hypothetical illustration for education only. Not a specific product or a projection of results; assumes $500,000, $2,500 monthly withdrawals and a hypothetical sequence of market returns. Guarantees are subject to the claims-paying ability of the issuing insurer.
Payout options
Choose your income structure
Every pension is designed around one question: who needs the check, and for how long?
Life only
Joint life
Life with period certain
Increasing income
What it does
Highest payment for as long as you live
Pays as long as either spouse lives
Lifetime income with a guaranteed minimum number of years
Payments rise each year by a set percentage
Best for
Maximizing income with no heirs to provide for
Couples who want the check to continue
Protecting heirs if you pass early
Keeping pace with rising costs
Trade-off
Nothing to heirs
Slightly lower payment
Slightly lower payment
Lower starting payment
What it does
Life only
Highest payment for as long as you live
Joint life
Pays as long as either spouse lives
Life with period certain
Lifetime income with a guaranteed minimum number of years
Increasing income
Payments rise each year by a set percentage
Best for
Life only
Maximizing income with no heirs to provide for
Joint life
Couples who want the check to continue
Life with period certain
Protecting heirs if you pass early
Increasing income
Keeping pace with rising costs
Trade-off
Life only
Nothing to heirs
Joint life
Slightly lower payment
Life with period certain
Slightly lower payment
Increasing income
Lower starting payment
General comparison for education only. Guarantees are backed by the claims-paying ability of the issuing insurer. Surrender charges, fees and IRS penalties may apply. Not FDIC insured. Not legal or tax advice.
Your Personal Pension is
Made to Make Sense
Essentials covered
Housing, food, insurance and utilities paid by guaranteed income, no matter what the market does.
Spouse protected
Joint-life options keep paying the surviving spouse for life.
Growth stays free
Only the portion needed for essentials is repositioned; the rest keeps growing.
Bumps in the road
Built-in protection for long-term care and other surprises.
Watch
How to Build Your Own Personal Pension
A short video from the Safe Money Places® Agent Network.
Free consultation = No obligation + No pressure + Plain English
Getting started is
Easy to Follow
01
Income-gap analysis
We measure your essential expenses against Social Security and any pension to find the exact gap.
02
Design the pension
Single or joint life, start date, increasing option, refund features—we model the choices side by side.
03
Fund it and get paid
Reposition the right portion of savings; your first payment can arrive in as little as a month.
Questions? We’ve got answers.
Frequently asked questions
What exactly is a Personal Pension Plan?
It is a strategy, not a single product: separate essential from discretionary expenses, identify the income gap after Social Security and any pension, then fund that gap with guaranteed lifetime income—typically a fixed or fixed index annuity with an income rider.
Do I have to put all my savings into it?
No. Most clients reposition only the portion needed to cover essential expenses and leave the rest invested for growth and flexibility.
What if my spouse outlives me?
Joint-life income options continue payments for as long as either of you is living.
Does the income ever go up?
Some contracts offer increasing-income or inflation options. We model both level and increasing payouts so you can compare.
Is my principal locked up?
Most contracts allow annual free withdrawals and waive charges for qualifying health events. We review liquidity needs before recommending any contract.
Our (real) humans are
Here to Help
Call (954) 790-5000 or email info@sunshineretire.com. We meet in Deerfield Beach or by phone.
Income for life
Personal Pension Plan
Guaranteed lifetime income for you and your spouse.
Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.