About Us

Welcome to www.PersonalPensionPlans.org   Please take a few minutes to read what this website means to future retirees.

Retirement Uncertainty is the new term that describes what many of us will face once we leave the work force. Many of us will experience unheard of retirement ruin unless we take measured steps in creating our own retirement financial security. Social Security was never designed to provide a retiree with all the monies needed in retirement and the more traditional types of company pensions have gone by way of the dinosaur when companies began switching their employees into self funded 401(k)s and IRAs starting in the 1970s. And if you have a 401(k) or IRA you’ve seen what’s happened over this past decade and no one likes a roller coaster when thinking about what their retirement income will look like when that big day finally arrives.

The critical focus of this website is to provide the viewer with a basic working knowledge of the 4 different types of personal pension plans that currently exist. Moving your cursor over each age button on the home page will show you which of the 4 pensions would be appropriate for each indicated age group.

But finally, let us explain how this website should be used.

The upper row of buttons on the home page explains the basic information of historical retirement funding methods and what every American should know in how each of them may or may not relate to their own future retirement funding. These pages can help you understand what you have or may not have or what you may need to know more about.

On the right hand side of the home page is a video which was the genesis for this website as this two hour video was a presentation of retirement planning experts testifying in front of a U.S. House of Representatives hearing concerning retirement issues that most Americans will be facing in the future. It is suggested that you open this video and once it’s playing minimize it but let it play in the background so you can listen while you’re checking email or working online because there may be a few words your ears will pick up on that make you watch a certain portion in progress. 

Below the video is a 15 page pdf file of John Bogle’s (founder of The Vanguard Group mutual fund) testimony to the House Committee and it was his testimony that was the actual trigger for this website and we suggest you print it out and read it not once but twice and then give it to a friend!

Underneath the pdf file is a zip code database for you to contact a local expert in the event you need to learn just how a personal pension plan can specifically work for you.

Underneath that is an “Other Resources” area in which you can find further retirement planning information and at the very bottom of the home page are two very good planners that you can use for assistance in finding out retirement money specifics for you.

Now let’s finish with the main focus of this website. In the middle of the home page and just below the age buttons are the 4 major types of personal pension plans. It is suggested that you read about each pension that is considered age appropriate for your or a loved one’s age. If you have family members or friends that should be made aware of these different types of pensions then by all means have them go into the website so they can learn for themselves.

Please remember that as a result of the advances in medicine and health care, we as a people, have been blessed with an increase in our life expectancy far beyond what our grandparents would have ever expected and this has been both a blessing and a curse.

The blessing has been a life that has allowed us to live many years beyond retirement. It has allowed us to be able to enjoy the fruits of our labors and to enjoy watching our children and grandchildren grow and be a part of their lives like no other generations before us.

Unfortunately, for those individuals who do not securely plan for their retirement, a longer life can become a financial burden to themselves and their families.

Thank you for taking these minutes to read this introduction. Now please explore this website to learn how you can make your own retirement financially secure.