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Planning Your retirement Income?
Before You Buy, Upgrade, or Exit an Annuity...
Understand Your Options
Watch THIS Video FIRST!
You'll Discover:
How Some Annuities Can Turn Savings into Predictable retirement Income
What is a SmartMoney Annuity Planning & Why it's Different.
How Retirement Income Strategies Are Built Around Your Goals
How to Compare Annuity Options, Features, and Rates
Watch THIS
Have Questions About Your Retirement Income?
Do you want to turn a portion of your savings into predictable retirement income?
Did you know some financial professionals may only be able to show you the products available through their firm—not the full range of options across the market?
Do you understand that buying an annuity product is not the same as building a retirement income plan around your goals, timeline, and income needs?
Already have an annuity? Do you want to see whether it still fits, what the numbers look like, and whether keeping it, changing it, or replacing it makes sense for your situation?
What Is SmartMoney™ Annuity Planning?
product-driven advice VS. plan-driven design
SmartMoney™ Annuity Planning starts with your goals, income needs, retirement age, and lifestyle. Instead of starting with a product, we start with your needs and then review a broad range of annuity options, features, and rates to help shape a customized retirement income strategy.
Our Unique Three Step Process
We get to know you first, take a wholistic look at your life, goals, retirement timeline assets, long term healthcare needs and then build a then build a retirement income strategy around your situation.
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 guaranteed 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 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.
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 make the same level of sophisticated, coordinated planning we provide to our extremely wealthy clients and families accessible to affluent families preparing for retirement.
From this expertise, our retirement income and annuity specialists developed what we call, SmartMoney Annuity Planning™—a client-first process for designing customized private-pension style income strategies tailored to your goals, timeline, and retirement lifestyle.
The SmartMoney™ System
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 – We Match You to Thousands of Annuity Options
We use specialized planning tools to review thousands of different annuity plans, designs, features, and competitive rates across the marketplace. Then our licensed private pension experts structure your SmartMoney™ retirement income plan around your goals.
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.
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
Pension Expert
Accurate Advisory Group
Over 22 years of business leadership and financial services and private pension planning.
Yianni Papaspanos
Pension Expert
Accurate Advisory Group
Over 25 years of expertise in financial management and private pension planning.
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 had been 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, the market and timing. We looked at rates and they gave us the options we were looking for - 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.
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™ Annuity 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. We start with your goals, retirement timeline, income target, flexibility needs, family priorities, and health considerations—then engineer an income plan. As an independent agents we can choose from over thousands of different annuity products and can design the right combination of features for the income and protection you're looking for.
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 they work for, which means you don't see what's available across the larger marketplace.
We use specialized planning tools to review thousands of annuity plan designs, features, and competitive rates across the market. Our process starts with your retirement income goals first, and then evaluates available options in relation to your needs—not the other way around.
What Does the SmartMoney™ Strategy Call Cost?
The call is completely free, and you're never billed for our time or expertise. We are paid directly by the carriers if you decide to move forward and purchase a plan through us. There is no obligation to move forward with a personal pension plan we propose or buy an annuity. If we don’t believe we can help, we’ll tell you that openly and point you in the right direction.
What Will Be Covered On the Call?
First, we want to get to know you and your priorities. Next we’ll review your goals, retirement timeline, lifestyle, income and liquidity needs, and your current accounts, such as IRAs, 401(k)s, savings, company pensions, state pensions, and any existing annuities. Then we can discuss options, and if you like what you hear, we can move forward with putting together a private pension plan for your review. There's no obligation to buy anything and no charges of any kind. We're paid directly from the carriers only if you purchase a plan or a program through us.
What Information Do I Need to Have Ready for the Call?
The call is designed to get to know you, your current situation, identify potential gaps and understand your priorities. You don’t need to have everything together. Having a rough list of your accounts, existing policies, basic tax situation, and any estate documents, for your reference, is helpful but not required.
Top Reasons People Consider An Annuity
These are some of the benefits of certain annuities
guaranteed 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.
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.
We built SmartMoney
Annuity Planning to:
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.
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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