The Future of Retirement Starts Now
Forget What You Thought Retirement Was
Your parents’ pension is a thing of the past. But it doesn’t have to be—for you.
Social Security won’t cut it. Traditional pensions are shrinking. And 401(k)s? They weren’t designed to replace your paycheck. That’s why Pension Plan 2.0 exists—because retirement has changed, and your plan needs to change with it.
and worth a whole lot more than the old gold watch!
The retirement model your parents relied on-a company pension and a farewell gold watch-is outdated. Today, most people are left with a 401(k) that was never designed to provide lifetime income. Pension Plan 2.0 is built for modern realities. A smarter, more reliable income strategy that goes beyond saving-focusing instead on how to turn what you’ve saved into predictable, protected income that can last as long as you do.
Welcome to 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 Wall Street roulette. It’s how we structure your assets to deliver reliable, tax-efficient, and protected income for as long as you live.
This is lifestyle income. Sit-on-the-porch money. Playcheck money.
The kind of income that lets you live, not just survive.
We do this by shifting the burden off you and onto the institutions built to carry it. In other words:
We make the insurance companies replace your paycheck.
The Four Threats to Your Retirement Vision:
Every retirement plan we create is built to defend against the four biggest threats:
Longevity Risk
Market Risk
Tax Rate Risk
Inflation
We don’t just acknowledge these risks—we plan to eliminate or mitigate them.
At Fontana Financial Services, we help you answer the only question that matters:
What does it cost to be you?
Not a version of you that clips coupons or cuts back. The real you—the one who still travels, spoils the grandkids, plays golf, enjoys dinners out, and lives with purpose.
And then, we help you build a retirement income plan that makes it possible.
What Makes Pension Plan 2.0 Different?
We teach before we plan.
No jargon, no guesswork—just clear education that builds confidence.
We’re fiduciaries.
Our recommendations are in your best interest. Always.
We serve people, not portfolios
Your goals come first. Period.
We create income strategies that feel like a paycheck.
Predictable. Sustainable. Protected.
This Isn’t Just Business. It’s Personal.
Founder Tony Fontana learned the hard way how fragile “financial freedom” can be. After the 2008 crash, he watched once-solid retirement strategies fall apart.
He realized most plans weren’t retirement-proof. So he built a new kind of firm—one focused on protecting futures, not just growing wealth.
Fontana Financial Services was born out of that mission: To help people retire with clarity, control, and confidence.
Frequently Asked Questions (FAQ)
Still have questions?
or Contact Us today. 412-394-8860
How does Pension Plan 2.0 actually work?
Pension Plan 2.0 uses a portion of your current retirement accounts and contractually guarantee’s that you will recieve a guaranteed paycheck for the rest of your life. The total amount you will recieve is based on two main factors, Which is the amount of money you put into Pension Plan 2.0 and your attained age at the time income is elected.
Can I retire early with Pension Plan 2.0?
Can I replace my paycheck with guaranteed income in retirement?
Can Pension Plan 2.0 protect me from market crashes?
Can Pension Plan 2.0 help reduce my taxes in retirement?
Does Pension Plan 2.0 guarantee income for life?
What happens to my Pension Plan 2.0 guaranteed income after I pass away?
Are there tax benefits to Pension Plan 2.0?
Can I access my money in Pension Plan 2.0?
Can I attend a seminar or live event to learn more?
Can I still grow my money with Pension Plan 2.0?
Can Pension Plan 2.0 adjust to inflation?
Can Pension Plan 2.0 work alongside Social Security?
Do you manage investments?
Does Fontana Financial charge commissions?
We’re a fiduciary— if we manage an investment portfoilio, we do charge a management fee of 1%, however when you set up a Pension Plan 2.0 any money that funds it is 100% comission free.
Does Fontana Financial Services offer tax or legal advice?
How can I get started with Fontana Financial Services?
How can I schedule a consultation?
Use our website form, call, or email to request a strategy session with one of our advisors.
Ready for Retirement That Works for You?
It’s time to rethink what’s possible.
Let’s create a custom income plan that protects your lifestyle, funds your freedom, and lets you live the retirement you’ve always imagined—without stress, fear, or uncertainty.
