Regarding your PENSION needs, I believe in simplicity! I am not licensed to offer any investment type products as I do not hold a securities license. Instead, I offer you low risk; fixed and indexed annuities from a variety of insurance companies. They offer you a guaranteed rate of return and generate monthly income that you can’t outlive. Whether you have a certificate of deposit coming up for renewal, are contemplating retirement, need to roll over your present 401K or IRA plan, or need to take a required minimum distribution, please call me ? I will help you plan for your future. I represent American National, Great American, Guggenheim Life, North American, Ohio National, Oxford Life and Reliance Standard and others.