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Create Your Own Pension | Safe Harbor Retirement

Retirement
January 21, 2026•1 min read

The video "Retirement Tips: How to create your own Personal Pension Plan" highlights the common struggle many people face in saving for retirement due to life's various expenses at different ages (0:02-1:29). It emphasizes that traditional retirement models, relying solely on Social Security, pensions, and 401(k)s, are often insufficient for today's longer retirement periods (1:51-2:35).

The solution proposed is developing a personal pension plan (2:11-2:14), which is a tailored approach designed to provide guaranteed income for life (3:34-4:03). This plan involves:

  • Assessing your desired retirement lifestyle and the income needed to support it (2:55-3:17).

  • Identifying available financial "lifeboats" for unforeseen circumstances (3:17-3:26).

  • Determining how much income you need and when you need it (3:26-3:30).

The video stresses that a personal pension plan is built on fixed, guaranteed products (3:47-3:58), offering certainty rather than relying on market fluctuations (6:38-6:44). It suggests that annuities, particularly fixed annuities, are a suitable option for those seeking zero investment risk and guaranteed income for life (6:08-6:11, 7:32-7:47). The video encourages viewers to contact Safe Money Places for assistance in creating their personalized plan (8:43-9:03).

Jeff is a graduate of West Chester University where he earned a Bachelor's Degree in Finance. He spent six years as an Active Duty Air Force Officer and pilot where he completed multiple combat deployments. Since his career in the Air Force Jeff has held multiple leadership positions in health care, aviation and the insurance industry. He is a licensed insurance agent in multiple states where he specializes in helping clients have a safe and secure retirement. He resides with his wife in Panama City Beach Florida.

Jeff Frankenfield

Jeff is a graduate of West Chester University where he earned a Bachelor's Degree in Finance. He spent six years as an Active Duty Air Force Officer and pilot where he completed multiple combat deployments. Since his career in the Air Force Jeff has held multiple leadership positions in health care, aviation and the insurance industry. He is a licensed insurance agent in multiple states where he specializes in helping clients have a safe and secure retirement. He resides with his wife in Panama City Beach Florida.

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