Retirement income that lasts your whole life
Hoping your money lasts as long as you do is not a strategy. We build income you cannot outlive, so the plan holds whatever the market does.
Clarity. Confidence. Control.
Your retirement,
your way.
What if your retirement savings became reliable, protected income — guaranteed for as long as you live? With the right plan you really can stop worrying about outliving your money and start living the life you’ve earned.
- Fiduciary
- 100% transparent advice
- Income first
- Built for distribution
- Pittsburgh
- Serving retirees across the U.S.
1 in 2
65-year-old couples will see one spouse live past 90. Your plan should too.
A new beginning
Retirement isn’t the finish line.
It’s your new beginning.
But to enjoy it your way, you need a reliable income stream you can count on — because a stack of cash eventually runs 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 all of it, with real answers, smart strategies, and a plan built just for you.
Why Fontana Financial?
We’re not like most financial advisors — and that’s on purpose.
We’re not only fiduciaries, we’re educators. We’re legally and ethically bound to put your interests first, and we treat growing your understanding of your own plan as the first step toward success.
Social Security timing strategies
Maximize the benefit you have already paid for. The difference between a good claiming decision and a poor one is often six figures over a retirement.
Tax-efficient distribution planning
The order you withdraw from your accounts changes what you keep. We sequence withdrawals, conversions, and income to control your lifetime tax bill.
Protection from market volatility
We move the burden of market risk off your shoulders and onto the institutions built to carry it.
Legacy and estate coordination
What you leave behind should pass cleanly and tax-efficiently to the people you love, not to probate and paperwork.
Healthcare and long-term care planning
A single health event can undo decades of saving. We plan for it before it happens, not after.
The four threats
Four risks decide whether your plan holds.
Every plan we build is designed to defend against all four. Select any one to see how it works.
Free tool
How much income could Pension Plan 2.0 guarantee you?
A clear, side-by-side comparison of the traditional distribution rules against the Pension Plan 2.0 approach.
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.
Real people, real results
The relief is the point.
These are advisory clients describing, in their own words, what changed once they had a plan.
We always felt like we were one market crash away from returning to work, but now it finally feels like we’re actually retired. Let me tell you, it feels great!
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How it works
Three steps. No pressure.
01
Schedule a discovery call
A friendly conversation to understand your goals, your concerns, and your vision for retirement. No pressure, no pitch.
02
Get a clear evaluation
We take a close look at your current financial picture and show you where things are aligned — and where they need attention.
03
Receive your custom strategy
If it’s a good fit, we present a personalized plan built to protect your lifestyle, reduce risk, and help your income last.
What is Pension Plan 2.0?
Pension Plan 2.0 isn’t a product — it’s a strategy. 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 rather than selling products for commission.
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.