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PLanning to Retire in the Next 3-5 Years?
Ready to Retire?
Turn Your Savings Into An Annuity...
Predictable Retirement Income
You'll Learn:
How to Turn Savings into a Predictable retirement Income
How We Build Lifetime Income Strategies Around Your Goals
What SmartMoney Retirement Income Planning Is & Why it's Different.
How to Book a Complimentary Retirement Income Analysis with a Local licensed Retirement Income specialist
Watch THIS Video FIRST
You'll Discover:
How You can Turn Savings into a Predictable retirement Income or a Private Pension Plan
How We Build Lifetime Income Strategies Around Your Goals
What is SmartMoney Retirement Income Planning & Why it's Different.
How to Book a Complimentary Retirement Income Analysis with a licensed specialist
Watch THIS
Do You Have Questions About Your Retirement Income?
If you're close to retirement or are already retired and want answers to question like these... you probably realize the strategies you used to build wealth are not the same strategies you need during your retirement.
Do you want to turn a portion of your savings, like your 401K or IRA, into predictable lifetime income for retirement?
Do you worry market ups and downs, changing interest rates, or technology could affect your income and want a predictable "paycheck" as part of your retirement planning?
Do you want to make sure your income lasts a lifetime and has protections against inflation, so you can't outlive your money?
Do you want specific answers, options, rates and a customized retirement income plan based around your goals, timeline, and income needs?
What Is SmartMoney™ Annuity Planning?
We help individuals, families, professionals, business owners & high net worth individuals create structured private pensions and customized lifetime income plans.
SmartMoney™ Annuity Planning starts with your goals, income needs, retirement age, and lifestyle. Instead of starting with a product, we review a broad range of annuity options, features, and rates to help shape a customized retirement income strategy that works of you.
Our Unique Three Step Process
We get to know you first, take a wholistic look at your life, goals, income needs, retirement timeline assets, long term healthcare needs and then build a then build a retirement income strategy around you.
Independent Annuity Planners
We’re not tied to a single annuity carrier or specific brands, so we can review a broad range of annuity options and rates, from the larger annuity market, based on your retirement goals.
Broad Range of Annuity Programs
We have access to tools that give us a broad range of different annuity products, from across the larger marketplace features, and rates so you can compare options more clearly that fit your income and lifestyle needs.
Decades of Retirement Income Planning
We have structured private pensions for individuals, families, business owners and high net worth individuals -building customized and lifetime retirement income strategies that work for them, now & in the future.
Who’s Behind SmartMoney™ Annuity Planning?
Accurate Advisory Group is an integrated wealth management firm providing coordinated financial, tax, and estate planning through a multidisciplinary team of professionals.
Services include wealth management, retirement planning, retirement income design, tax strategy and tax-efficient planning, estate and trust planning, asset protection strategies, insurance and risk management, charitable and legacy planning, business succession planning, and access to institutional investment strategies—all designed to work together as a unified financial strategy.
Our mission is to bring the same level of coordinated planning we provide to high-net-worth individuals and families to more professionals, business owners, and successful people preparing for retirement.
Built from that experience, SmartMoney™ Annuity Planning is a client-first process developed by our retirement income and annuity specialists to design customized strategies around your goals, timeline and lifestyle.
Real Clarity - Real Answers
Real Clarity - Real Answers
"Seeing Options From Across the Entire Market Changed Everything"
We’ve talked to banks and brokers and always walked away more questions. On our SmartMoney Annuity Strategy Call, they showed us exactly what our monthly retirement paycheck could look like, starting when we actually plan to step away. Now we can see the numbers and the lifestyle lining up.
We Know Our Options
When we started researching annuities and private pension plans, we didn't know how many options there were. They compared programs across the marketplace, explained the differences in plain language and were able to present us with a proposal that fit our situation. It covered income, inflation, and long term health care.
Retirement Dates Set
They showed us exactly what our monthly retirement paycheck could look like, and explained our options - and created a plan. The numbers lined up and the timing made sense. It was the information we needed to set our retirement dates and start enjoying what we worked hard for..
Retirement Income Relief
We were already retired for a few years and the market ups and downs were too stressful for us. We wanted more security and certainty. They helped us understand annuities, compared rates, timing and explained our options. We got what we were looking for which was - guaranteed lifetime income, inflation protection and access to cash if we needed it.
Client quotes or experiences referenced on this site reflect limited individual experiences, are not representative of the experiences of other clients, and are not a guarantee of future performance, success, or satisfaction.
Meet Your SmartMoney™ Experts
Meet the experienced and licensed, advisors from Accurate Advisory Group. Schedule a call with our local experts who specialize in wealth management, retirement income and private pension planning for New Jersey, Pennsylvania, and Florida. Get a clear personalized strategy.
Adam Leone
Wealth Advisor
Accurate Advisory Group
Experienced and disciplined, tax-aware wealth management strategies for growth, protection, and income
George Roupas
Annuity & Pension Specialist
Accurate Advisory Group
Over 22 years of business leadership and
a specialist in annuity & private pension planning.
Yianni Papaspanos
Annuity & Pension Specialist
Accurate Advisory Group
Over 25 years of expertise in financial management and private pension planning.
Got Questions?
We've got answers...
There are no trivial questions when it comes to your money and your future. We provide clear, personalized answers is on your SmartMoney™ Strategy Call, so we can answer all of your specific questions — but in the meantime, here are some of the most common questions we get about SmartMoney™ Annuity Planning.
What is SmartMoney™ Annuity Planning?
SmartMoney Annuity Planning is a plan-first process that turns an annuity into a private pension strategy designed around your life, goals, retirement timeline, income target, flexibility needs, family priorities, and health considerations. Then as an independent agents we use specific tools to look across the larger annuity marketplace, with hundreds or even thousands of different products, to match the products with the right combination of features for the income, protection, growth, or other benefits that fit your unique needs.
How Do I Know If an Annuity Is Right for Me?
The right fit depends on your goals. Some people want guaranteed lifetime income. Others want principal protection, tax deferral, or a way to reduce market risk in retirement. On your free strategy call, we help determine whether an annuity fits your situation and which type may make the most sense.
How is This Different from Buying an Annuity From My Bank, Broker or Financial Advisor?
Some financial professionals are limited to the lineup of products offered by the company or financial institution they work for, which means you might not see what's available across the larger marketplace. As independent retirement income planners, we don't have the same brand or product limitations.
Why Should I Work With Smart Money Annuity?
We think you should work with us, because we believe the right annuity is not just about buying a product. It is about making sure the strategy fits your goals. We help you compare options across the larger marketplace, explain the options clearly, run the numbers, and recommend what believe best supports your personal income, protection, tax efficiency, and retirement goals.
How Much Income Could an Annuity Provide Me in Retirement?
That depends on your age, retirement timeline, deposit amount, health, and the type of annuity you choose. We can run personalized illustrations to show what your income could look like and compare different options based on your goals.
Should I Roll Over My IRA or 401(k) Into an Annuity?
Sometimes it makes sense, and sometimes it does not. It depends on your income needs, timeline, tax situation, liquidity needs, and overall retirement strategy. On your free strategy call, we can help you review your options and determine what fits best.
What if I Already Have an Annuity?
On your free strategy call, we can review your current annuity, explain how it works, uncover any fees, limitations, or surrender charges, run the numbers, and compare it to options across the larger marketplace to see if it is still the best fit for your income, protection, and retirement goals. If it is, we will tell you. If there is a better option, we will show you why.
What Does the SmartMoney™ Annuity Planning Cost?
The call is completely free, and you're never billed for our time or expertise. We are paid directly by the carriers, only if move forward and purchase through us. There is no obligation to buy anything and if we don’t believe we can help, we’ll tell you that openly and point you in the right direction.
What Information Do I Need to Have Ready for the Call?
You do not need to have everything prepared before the call. The first conversation is simply to understand your situation, identify potential gaps, and learn more about your priorities. If it makes sense to move forward, we may then ask for a rough list of your accounts, any existing annuity policies, your basic tax situation, and relevant estate planning information, such as existing trusts. We do not need or want account numbers or Social Security numbers.
Why We Built SmartMoney™ Annuity Planning
We believe successful families who’ve worked hard, saved consistently, and built “comfortable wealth" deserve the same level of strategic thinking that our high net worth and ultra-wealthy investors receive.
In a world where results can vary greatly, we wanted to bring institutional-quality planning to everyday millionaires and diligent savers.
Instead of offering a limited number of specific products, we invested in tools that allowed us to see across the market, so we could replace product-driven conversations with outcome-driven design, customized to each client's lifestyle, risk tolerance, and more.
We are not interested in "selling you" financial or insurance products - instead we want to give you the options that fit your goals, and a clear, engineered retirement income strategy customized to you - so it's a clear choice instead of a sales pitch.
Why You Should Consider Taking Action Now...
Retirement dates don’t move themselves. The closer you get, the fewer chances you have to correct course if something is off.
Markets and interest rates change. The terms available today may not be the same 12–24 months from now.
Age matters. Many annuity and income features are tied to age bands. Waiting can change how the math works.
Book a call and let's walk through your numbers together and see what might be the right options for you.
Top Reasons People Consider An Annuity
These are some of the benefits of certain annuity plans.
Not all annuity plans contain these features & benefits and each product or plan can be different. Annuities may or may not be right for you, so speak with a licensed professional before making any important financial decisions.
income for life
A Retirement Paycheck That's Steady, Reliable, Guaranteed & Designed To Support Your Lifestyle.
protection from market VOLATILITY
Grow When Markets Rise While Staying Protected When They Fall - So Your Savings Have Protection.
income that keeps up with inflation
Ensure Your Retirement Income Maintains Its Purchasing Power - Discover Options Designed To Increase Payouts As Costs Rise.
Predictable, Contractual Growth
Get contracted Growth So you can be confident about the future with steady accumulation.
Tax-Deferred Growth
Let your money compound faster by deferring taxes until your income begins.
Health Event Protection
Some modern annuities Can boost income when you need help the most—during long-term care or chronic illness.
Legacy Protection for Your Loved Ones
Ensure remaining value goes directly to your spouse or beneficiaries—without probate delays.
Access to Modern Annuities
Find out if Changing, upgrading or exiting an annuity makes sense for your situation and discover the latest annuity Offerings.
Peace of Mind
in a world filled with uncertainty, market cycles, & evolving Technology - an annuity based, Guaranteed retirement plan can provide peace of mind.
The SmartMoney™ Planning Process
Private Pension Planning Designed Around You
SmartMoney™
Annuity Planning is a coordinated, professional
team of Licensed Independent Fiduciaries & Annuity Specialists.
SmartMoney™ Annuity Planning Process
Step 1 – Start With the Big Picture
We start with your story. We take the time to understand you, your goals, your lifestyle and any current retirement accounts or annuities you already have. This gives us the full picture before we begin designing your strategy.
Step 2 – Design Your SmartMoney™ Annuity Strategy
Next, we design a strategy based on your target income, timing, longevity needs, spousal protection, liquidity, tax planning, legacy goals, and inflation protections, and more—before any product is selected.
Step 3 – Evaluate Options That Fit the Strategy
We use planning tools to review a broad range of annuity products, contract features, and rates, then identify options that align with your goals and priorities.
Step 4 – Your SmartMoney™ Strategy Walkthrough
Finally, we walk you through our pension proposal in detail, explain your options, and our strategy behind it - to give you clear answers about your retirement income, dates, rates and so much more. Whether it's a new policy or an upgrade.
We Give You The Customized Analysis and a SmartMoney™ Pension Proposal At No Cost* And No Obligation to Purchase Anything. Let us use our process, expertise and independent access to thousands of different annuities programs so you can see the SmartMoney™ difference.
*Compensation or commissions may be paid by the issuing insurance company or carrier.
This website is not affiliated with, endorsed by, or sponsored by Google, YouTube, Facebook, Instagram, Meta, or any other advertising platform used to distribute its content. References to third-party companies are for identification purposes only. This website is not affiliated with or endorsed by any government agency, including the Social Security Administration, Medicare, or any federal or state governmental authority.
SmartMoney™ Strategy Calls, free evaluations and proposed annuity strategies are offered at no cost and with no obligation to purchase anything. If you choose to implement a recommendation, purchase an annuity plan or insurance product, a compensation may be paid by the issuing insurance company or carrier.
Investing involves risk, including the possible loss of principal, and results are not guaranteed. Any references to retirement income strategies, annuities, or financial planning concepts are for general educational discussion and may not be appropriate for every individual.
Information provided on this website is for educational and informational purposes only and should not be considered individualized financial, tax, legal, or investment advice. Nothing on this site constitutes an offer, recommendation, or solicitation to buy or sell any security, insurance product, investment strategy, or financial transaction. You should consult qualified financial, tax, and legal professionals before making financial decisions.
SmartMoney™ Annuity Planning is a branded planning and marketing process, used in connection with Accurate Advisory Group. Investment advisory services are offered through Accurate Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Accurate Advisory Group, Inc. Securities are offered through AAG Capital, Inc., Member FINRA/SIPC. Registration with the SEC does not imply a certain level of skill or training.
Annuity guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Product features, benefits, and availability may vary by state and insurer.
Booking a consultation, requesting information, or submitting your contact information through this website does not establish an advisory or client relationship with any advisor or firm. A client relationship is established only after all required agreements and disclosures have been completed and accepted.
Client quotes or experiences referenced on this site reflect limited individual experiences, are not representative of the experiences of other clients, and are not a guarantee of future performance, success, or satisfaction. For additional regulatory disclosures, privacy information, and terms of use, please review the links provided in the footer of this website.
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