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PLanning to Retire in the next 3-5 years?
Retiring in the next 3-5 years?
Turn Your Savings Into
Predictable Retirement Income
See what your retirement income could look like, compare annuity options side-by-side, and get a Personalized recommendation —before you make a decision.
Get a Custom Annuity Plan From Independent Licensed Specialists
As Independent Agents we can compare products across the marketplace, rates, features and carriers
We walk you through your options, run the numbers and give you personalized payout information.
Discover your annuity options today! There's no cost and no obligation to buy anything!
Start Your Retirement Income Review
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Stop Shopping Annuities
& Get a Real Plan
Most people compare products and rates before they’re clear on what they actually need to reach their retirement income goals. As independent licensed specialist, we know a better process starts with understanding your needs, and then finding the annuities that have the features and competitive rates that FIT YOU —so you get answers that align with your situation, instead of trying to fit you into a product.
Step 1: Income Review Intake
Answer a few quick questions so we can prepare your review.Step 2: Side-By-Side Comparisons
We get to know you and then compare annuity rates, payouts, and key features across thousands of different annuity programs.Step 3: Plan-Based Recommendation
You get clear recommendations and options based on your goals: what to keep, what to adjust, and what to replace—if anything.There's no cost and no obligation to buy anything!
What Makes SmartMoney™ Annuity
Retirement Income Planning Different?
We don't just sell you a product... We help individuals, families, professionals, and business owners ($375K+ of investable saving) create structured retirement income plans around their goals, retirement timeline, and income - and all at no cost.
Our Unique Four Step Process
SmartMoney™ retirement income starts with a conversation. We get to know you, develop a plan and then match the right products, features and competitive rates to you! So your options are tailored to your life, your priorities, and your long-term objectives. Then we walk you through the numbers, options and rates.
Independent Retirement Planners
We’re independent, licensed retirement income planners backed by a fully integrated wealth management firm. That means we’re not tied to specific financial products, annuities or brands. We can search across thousand of different products & present you with all the options
Researching Customized Plans
We have tools to look across the market and evaluate a broad range of annuity options across the marketplace—so we can compare features, flexibility, and rates to help find you, the customized and current options for your income and lifestyle.
Decades of Retirement Income Planning
We’ve helped individuals, families, professionals, business owners, and high-net-worth clients create structured private pension and retirement income plans - tailored to their lives, their priorities and their long-term goals.
Get a Customized Income Analysis and a SmartMoney™ Proposal At No Cost to You & with No Obligation to Purchase Anything.
Who’s Behind SmartMoney™?
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 other professionals, business owners and successful families who’ve worked hard, saved consistently and built “comfortable wealth".
SmartMoney Retirement Income Planning™ is the client-first process we use to help us tailor retirement income plans and strategies around your goals, retirement timeline, lifestyle and legacy plans.
Get Real Clarity - Real Answers
We Know Our Options
When we started researching retirement income plans and annuities, we didn't know how many options there were. George got to know us, compared programs, features, and explained the differences. We got a plan 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, explained our options - and created a plan that made sense. The numbers lined up and it was the information we needed to 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. We wanted more security and certainty. They helped us understand annuity options we were looking for - lifetime income, inflation protection and access to more cash if there was a surprise expense.
Client quotes or experiences referenced on this site or in any of our marketing materials, reflect limited individual experiences, are not necessarily representative of the experiences of other clients, and are not a guarantee of future performance, success, or satisfaction.
Got Questions?
We've got answers...
We provide clear, personalized answers on your SmartMoney™ Strategy Call. We can answer all of your specific questions, rates, annuity options and income returns — but in the meantime, here are some of the most common questions we get.
What is SmartMoney™ Retirement Income Planning?
SmartMoney Retirement Income 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 in
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™ 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.
How Do I Know If a Private Pension 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.
Why Should I Work With SmartMoney™?
We think you should work with us, because we believe the right retirement income plan 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.
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 Info Do I Need for the Call?
You don't need to have anything prepared before the call. The first conversation is simply to understand your situation, identify potential gaps, and learn more about your priorities and goals. If it makes sense to move forward, then we'll want a general idea of your different 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.
Meet Your Local SmartMoney™ Specialists
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 Specialist
Accurate Advisory Group
Over 22 years of business leadership and financial services and private pension planning.
Yianni Papaspanos
Annuity Specialist
Accurate Advisory Group
Over 25 years of expertise in financial management and private pension planning.
Top Reasons People Consider Annuity Income
These are some of the benefits of Private Pension Plans or Retirement Income Plans*
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 - Lifetime retirement Income plans can provide your family peace of mind.
*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. Annuity products or plans vary and could have some or none of these specific features depending on the product or insurer. this is not a guarantee or promise of performance.
The SmartMoney Retirement
Income Planning Process
Retirement Income Planning Designed Around You
SmartMoney™
Retirement Income Planning is a coordinated, professional
team of Licensed Independent Fiduciaries & Insurance Specialists.
Step 1 – We Start With Your 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 The Strategy
Next, we design a strategy based on your target income, timing, longevity needs, spousal protection, liquidity, tax planning, legacy goals, inflation protections, and more.
Step 3 – Evaluate Options That Fit the Strategy
We use planning tools to review a broad range of financial, insurance tools and products across the marketplace- looking at contract features, competitive rates, then identify options that align with your goals and priorities.
Step 4 – Your SmartMoney™ Strategy Walkthrough
Finally, we walk you through your options, rates, income numbers, in detail, explain the side-by-side differences and our strategy behind it - to give you clear answers about your retirement income, dates, rates and so much more.
Get our Customized Analysis and a SmartMoney™ 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 get the information you need.
*Compensation or commissions may be paid by the issuing insurance company or carrier.
Why We Built SmartMoney™ Retirement Income Planning
We believe successful families who’ve worked hard, saved consistently and built “comfortable wealth" deserve the same level of strategic Planning as 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.
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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