Pension Plan 2.0
The future of retirement starts now.
Your parents’ pension is a thing of the past. But it doesn’t have to be — for you.
Forget what you thought retirement was
Better than your parents’ pension — and worth a lot more than the gold watch.
Social Security won’t cut it. Traditional pensions are shrinking. And 401(k)s? They were never designed to replace your paycheck. That’s why Pension Plan 2.0 exists — because retirement has changed, and your plan needs to change with it.
The model your parents relied on is outdated. Today most people are left with a 401(k) that was built for saving, not for income. Pension Plan 2.0 is built for modern realities: a smarter, more reliable income strategy focused not on how much you save, but on how you turn what you’ve saved into predictable, protected income that can last as long as you do.
Welcome to Pension Plan 2.0
More than just a product. Certainty built into your retirement plan.
This is lifestyle income. Sit-on-the-porch money. Playcheck money. The kind of income that lets you live, not just survive.
We do it by shifting the burden off you and onto the institutions built to carry it. In other words: we make the insurance companies replace your paycheck.
The four threats to your retirement vision
We don’t just acknowledge these risks. We plan to eliminate or mitigate them.
A 65-year-old couple today has a better-than-even chance that one of them sees 90. A plan that runs out at 85 is not a plan — it is a countdown.
A downturn in your first years of withdrawals does permanent damage, because you are selling shares to live on precisely when they are worth least.
Every dollar in a traditional 401(k) or IRA is a dollar you share with the IRS — at whatever rates Congress sets when you withdraw it, not the rates today.
At 3% inflation, the income that covers your life today buys about half as much in 24 years — well within a normal retirement.
Side by side
A 401(k) is a fine way to save. It was never an income plan.
| Traditional 401(k) | Pension Plan 2.0 | |
|---|---|---|
| Who carries longevity risk | You do | The insurance company does |
| What you hold | A balance to draw down | A contractual income stream |
| When the market drops | Your income drops with it | Your income is unaffected |
| What it optimizes for | A maximized balance | A predictable paycheck |
| Who makes the decisions | You, every year | Set once, guaranteed for life |
Free tool
How much “better” is Pension Plan 2.0?
Enter your details and select Calculate to see the comparison.
Illustration only — not a quote, an offer, or a recommendation. Guaranteed income uses a current carrier lifetime-payout schedule and assumes the contract is held to the income start date. The 4% comparison assumes a 4% initial withdrawal, 5% average annual return, and 2.5% inflation, projected to age 90 — actual market returns vary and are not guaranteed. Your results depend on the product, contract terms, and rates in force at purchase. Guarantees are backed by the claims-paying ability of the issuing insurer. Please speak with us before making any decision.
The only question that matters
What does it cost to be you?
Not a version of you that clips coupons or cuts back. The real you — the one who still travels, spoils the grandkids, plays golf, enjoys dinners out, and lives with purpose. Then we help you build a retirement income plan that makes it possible.
What makes Pension Plan 2.0 different?
Four commitments we hold to on every plan.
We teach before we plan.
No jargon, no guesswork — just clear education that builds confidence before a single dollar moves.
We're fiduciaries.
Our recommendations are in your best interest. Always.
We serve people, not portfolios.
Your goals come first. Period.
We create income that feels like a paycheck.
Predictable. Sustainable. Protected.
This isn’t just business
It’s personal.
Founder Tony Fontana learned the hard way how fragile “financial freedom” can be. After the 2008 crash, he watched once-solid retirement strategies fall apart.
He realized most plans weren’t retirement-proof. So he built a new kind of firm — one focused on protecting futures, not just growing wealth. Fontana Financial Services was born out of that mission: to help people retire with clarity, control, and confidence.
FAQ
Frequently asked questions
What is Pension Plan 2.0?
Pension Plan 2.0 is more than just a product — it’s certainty built into your retirement plan. It’s how we replace your paycheck without relying on guesswork or market timing. We structure your assets to deliver reliable, tax-efficient, protected income for as long as you live.
Is Fontana Financial Services a fiduciary?
Yes. We are fiduciaries, which means we are legally and ethically obligated to act in your best interest. We build retirement income strategies tailored to your needs and goals.
Who is a good fit for your services?
Individuals and couples approaching retirement — or already in it — who want to turn what they have saved into reliable, lasting income. If you want to protect your lifestyle, reduce your tax exposure, and feel confident your money will last as long as you do, you are in the right place. We are a great fit for people ready to shift from saving to strategizing.
How do I get started?
It’s simple, and there’s no pressure. First we schedule a discovery call to understand your goals and concerns. Then we take a close look at your current financial picture and identify where things are aligned and where they need attention. If it’s a good fit, we present a personalized plan built to protect your lifestyle, reduce risk, and help your income last.
Do you manage investments?
Yes. As part of your overall retirement strategy, we offer investment management designed to support your income needs and long-term goals. Unlike advisors who focus only on growth, we manage investments with purpose — to fund your lifestyle, reduce unnecessary risk, and align with a broader income and preservation plan.
Your next step
Ready to take the next step?
Take the first step toward clarity with a no-pressure Retirement Income Strategy Session. Let’s bridge the gap between where you are and where you want to be.