Your Retirement, Your Way...

What if your retirement savings became reliable, protected income thats guaranteed for as long as you live? With the right plan you really can stop worrying about the outliving your money and start living the life you’ve earned. Learn to retire your way.

Your Retirement, Your Way...

What if your retirement savings became reliable, protected income thats guaranteed for as long as you live? Find out how you can stop worrying about the outliving your money and start living the life you’ve earned. Learn to retire your way.

Clarity. Confidence. Control. Retirement isn’t the finish line. It’s Your new beginning.

Retirement is the beginning of a new adventure. But to enjoy it your way, you’ll need a to create reliable income stream that you can count on because a stack of cash will run out. That’s why we created Pension Plan 2.0: The Better Way To Retire – a modern approach to retirement income that brings clarity, protection, and control back into your plan.

We’re here to guide you through it—all of it—with real answers, smart strategies, and a personalized plan built just for you.

Why Fontana Financial?

We’re Not Like Most Financial Advisors—And That’s On Purpose.

At Fontana Financial Services, we’re fiduciaries. That means we’re legally and ethically bound to put your best interests first—always. No commissions. No hidden agendas. Just smart, strategic guidance focused on one thing: helping you turn your savings into secure, sustainable income.

Your Future Deserves a Great Partner

100% independent & fiduciary

Transparent, tax-efficient strategies

Retirement income specialists

Trusted by across the U.S.

Real People, Real Results

Before working with Tony, we were overwhelmed. Now we have a plan, an income stream we can count on, and peace of mind for the first time in years.

Your Bridge to Retirement

Find a Partner You Can Trust

With markets, tax laws, and costs constantly changing, starting retirement planning with a trusted partner is one of the most important steps you can take. It ensures your decisions stay aligned with your goals, no matter what the future brings.

Tax-Efficient Retirement Planning

Keep more of what you’ve saved. Your retirement withdrawals shouldn’t be guesswork. We help you create smart strategies that reduce your tax burden and stretch every dollar further.

Social Security Timing Strategies

Maximize your benefit, minimize your regrets. When and how you take Social Security could mean the difference in tens of thousands over your lifetime. We’ll help you get it right.

Risk Management & Market Protection

Retire without riding the market rollercoaster. We don’t gamble with your future. Our plans are designed to help shield your income from market swings and the possibility of running out of money, so you can sleep better at night.

Legacy & Estate Coordination

Leave more than memories. Make sure the people you love inherit more than just your stories. We help you coordinate your legacy to pass on wealth with clarity and purpose.

Income That Lasts:

A Retirement Built Around You

Most financial plans focus on how to save. But when it’s time to retire, the game changes. You need a strategy for turning your nest egg into predictable income that lasts as long as you do—without losing sleep over market swings, taxes, or inflation.

That’s what we do.

Protecting You From the Four Biggest Threats to the Retirement You've worked for:

The Four Threats to Your Retirement Vision

Retirement isn’t just about what you’ve saved—it’s about how you use it to live the life you’ve worked so hard for.

That’s why we help you create structured income streams designed to outlive you, all while protecting your lifestyle from market swings, taxes, inflation, and an increasingly volatile world.

Living longer than your money lasts

Without a plan, you risk outliving your savings.

Learn More

Market downturns eroding your savings

One bad market could derail years of progress.

Learn More

Rising taxes eating into your retirement income

Higher taxes can shrink your income faster than expected.

Learn More

Higher costs making it harder to afford your lifestyle

Rising expenses could quietly erode your quality of life.

Learn More

Each of these threats can be mitigated or even eliminated with smart planning. That’s exactly what we help you do.

Introducing Pension Plan 2.0™

Retirement Income Reimagined

401(k)s and IRAs are great at growing money—but not great at replacing your paycheck. Pension Plan 2.0 is our signature strategy to:

The Market Goes Up and Down. Your Retirement Shouldn’t.

Volatility is normal. Losing sleep over it doesn’t have to be.

Markets are unpredictable. In retirement, that unpredictability can be dangerous—especially when you’re depending on your investments for income. 

A bad year in the market at the wrong time can set your entire retirement plan back by decades.

That’s why we believe your income should be insulated from the chaos of the markets.

With the right strategy—like Pension Plan 2.0—we help you create a retirement income plan that’s:

Stable no matter what the markets do
Predictable and consistent, month after month
Protected from downturns, so you’re not forced to sell low

Retirement Isn’t the End of Your Paycheck. It’s the Start of a Smarter One.

When you stop working, your income shouldn’t stop with you. The biggest question we help clients answer is:

“How do I replace my paycheck in retirement?”

The answer: with a guaranteed income plan that lasts as long as you do.

You need consistent, reliable income—not market guesses.
You need protection from running out of money.
You need a strategy that turns your savings into a guaranteed paycheck for life.

Because your money should never outlive you. And your retirement should feel like freedom, not fear.

Your Retirement Questions—Answered

Insights & Education

The Four Retirement Risks No One Talks About

When you picture retirement, you probably imagine freedom, peace of mind, and time to enjoy life. But what most people don’t plan for are the four hidden threats that can...

Is Your Retirement Plan Built to Last? 

Most people think saving is enough. But without a distribution strategy, your retirement could be...

“Lifestyle Income”: What It Really Means (and How to Get It) 

Understanding why one might support your lifestyle—and the other might fall short....

Pension Plan 2.0 vs. 401(k): What’s the Real Difference?

Understanding why one might support your lifestyle—and the other might fall short....

Stay Informed. Retire Smarter.

Get monthly insights on smart retirement strategies—straight to  your inbox. No fluff. Just helpful tips, updates, and clarity.

Book a meeting to receive your free guide and start taking control of your financial future.

Need more info? Attend a Live Event

Attend one of our informational seminars to learn more about retirement income strategies, legacy planning and more.

Get to know fontana financial services

Discover how we help individuals and families achieve their ideal retirement

Align Your Plan With Purpose

Once we understand your financial situation, we’ll guide you toward the products and strategies that support your retirement vision—so every dollar you’ve worked for continues working for you.

grow

Put your assets to work—intentionally.

Retirement Income Strategies
Wealth Management
IRA & 401(k) Rollovers
Strategic Investments
Income-Producing Solutions (e.g. annuity alternatives*)

preserve

Protect what you’ve built—so it lasts.

Asset Preservation Planning
Life Insurance with Living Benefits
Tax-Efficient Withdrawal Strategies
Long-Term Care Planning
Medicare Integration Support

give

Provide for the people and causes you care about the most.

IRA Legacy Planning
Charitable Giving Strategies
Beneficiary Alignment
Tax-Efficient Inheritance Planning
Family Wealth Transfer Guidance

READY TO TAKE The Next Step?

For more information about any of our products and services, schedule a meeting or register to attend a seminar

book a meeting to receive your free guide and start taking control of your financial future

need more info? attend the live event

Attend one of our informational seminars to learn more about retirement income strategies, legacy planning and more.

your partner in financial excellence

Discover how we empower individuals and families to achieve their dreams retirement goals. Let us guide you on this exciting journey to your ideal future!

your trusted financial partner

To understand your finances, get a clear picture of your situation. This will help us recommend products and services that fit your goals, guiding you to make smart choices.

Join my insider's list!

You'll get updates and actionable info straight to your inbox!

Frequently Asked Questions (FAQ)

Still have questions?

or Contact Us today. 412-394-8860

What is Pension Plan 2.0?

Pension Plan 2.0 is the better way to retire. It’s not a product—it’s a strategy. It’s how we replace your paycheck, without relying on guesswork or Wall Street roulette. It’s how we structure your assets to deliver reliable, tax-efficient, and protected income for as long as you live.

Who is a good fit for your services?

Our services are designed for individuals and couples who are approaching retirement—or already in it—and want to turn what they’ve saved into reliable, lasting income.

If you’re looking for more than just investment advice…
If you want to protect your lifestyle, reduce your tax exposure, and feel confident that your money will last as long as you do…
And if you value clear guidance, personalized planning, and a relationship built on trust—
Then you’re in the right place.

We’re a great fit for those who are ready to shift from saving to strategizing.

How do I get started?

It’s simple—and there’s no pressure.

Schedule a Discovery Call
We’ll start with a friendly conversation to understand your goals, concerns, and vision for retirement.
Get a Clear Evaluation
We’ll take a close look at your current financial picture and identify where things are aligned—and where they need attention.
Receive Your Custom Strategy
If it’s a good fit, we’ll 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.

But unlike traditional advisors who focus only on growth, we manage investments with purpose—to help fund your lifestyle, reduce unnecessary risk, and align with a broader income and preservation plan.

Every investment recommendation we make is tailored to your unique situation, guided by strategy—not speculation.

Let’s Talk About Your Retirement Future

Whether you’re approaching retirement, already retired, or just starting to think about the next chapter, we’re here to help you build a strategy that works—for your goals, your lifestyle, and your peace of mind.

Let’s Connect on LinkedIn

Stay in the loop with retirement insights, industry updates, and smart financial strategies—right where the professionals are.

Your Retirement, Your Way...