How can anyone promise "safety", with little to no risk, when talking about retirement planning? After all, we all witnessed the recent downward spiral in the stock market that decimated millions of retirement accounts. We are proud to say that the products we utilize did not experience any decline in value during this period! How is this possible? At PPG, we utilize creative products that track only the positive growth of various market indexes, and not the losses. They are also designed to focus on the distribution of your money and not just the accumulation of it. Other positive features like tax deferred growth, creditor-proof protection and probate free treatment make this product a wonderful retirement savings vehicle. What good is a retirement nest egg if it fails to provide an income that will last as long as you and/or your spouse live? In today’s volatile market environment, we believe it is vital to utilize products that can safely grow your retirement funds and provide an income that you cannot outlive.

The importance of individual retirement planning has also been amplified by the fact that company sponsored retirement plans have changed dramatically in recent years. The days of defined benefit pension plans are all but gone and many employers, due to current economic conditions, have been forced to eliminate or reduce matching contributions to their 401(k) plans. These issues coupled with the instability and potential insolvency of our Social Security system has made it an absolute necessity for individuals to take greater control of their retirement planning. The simple truth is most people have little or no idea what income they will need during their retirement years. At PPG, we do things differently in that we work backwards from when you want to retire to determine the income you will need to reach that goal.