Build Your Own Personal Pension in South Carolina
No employer pension? No problem. PAG Advisory Group helps South Carolinians create their own private pension — guaranteed income for life that you fund on your own terms.
- Guaranteed Income for Life
- Fund on Your Schedule
- Columbia, SC Based
- 27+ Years Experience
- Independent & Unbiased
Most South Carolinians Have No Pension
Traditional pensions have nearly disappeared from the private sector. Without one, most retirees rely entirely on volatile 401(k) accounts and Social Security — a shaky foundation for a 20–30 year retirement.
PAG Advisory Group is based in Columbia, South Carolina and serves clients throughout South Carolina. William A. Garland Jr. has helped hundreds of South Carolinians solve this problem by creating their own private pension through annuities — a time-tested strategy that provides guaranteed monthly income no matter how long they live.
Whether you are a business owner, veteran, retiree, or pre-retiree, William can design a personal pension strategy tailored to your income needs, timeline, and budget.
Understanding Your Risk Profile
PAG Advisory Group uses the Color of Money Risk Analysis to assess where your current money falls:
Without a Personal Pension
- Rely on volatile 401(k)
- Risk running out of money
- Income depends on markets
- No guaranteed paycheck
With a Personal Pension
- Guaranteed monthly income
- Can never outlive payments
- No market risk
- Income continues for life
How to Create Your Own Personal Pension
Free Income Needs Analysis
William Garland reviews your current income sources, expenses, and retirement goals to determine exactly how much guaranteed income you need each month.
Choose Your Funding Strategy
Fund your personal pension with a lump sum (from savings, IRA, or 401(k) rollover) or contribute flexibly over time using a flexible premium annuity — similar to making pension contributions.
Select the Right Annuity Vehicle
William compares options from multiple top-rated insurance carriers to find the annuity that delivers the highest guaranteed income for your situation.
Activate Your Lifetime Income
At your target retirement date, flip the switch on your personal pension. A guaranteed monthly check begins — and continues for as long as you live, no matter what.
Personal Pension Planning Is Right For You If...
You Are Self-Employed
Without an employer pension, self-employed individuals and business owners bear full responsibility for their retirement income. A personal pension creates the security a corporate pension would have provided.
You Worry About Outliving Savings
If your biggest retirement fear is running out of money, a personal pension eliminates that risk by guaranteeing income for as long as you live — even to age 100 and beyond.
You Are Rolling Over a 401(k)
Converting a 401(k) into a personal pension annuity is one of the most popular strategies for South Carolinians retiring from corporate jobs who want to turn their savings into a predictable paycheck.
You Want to Supplement Social Security
A personal pension is an ideal complement to Social Security, filling the income gap between Social Security payments and your actual monthly expenses.
Start Building Your Personal Pension in South Carolina
PAG Advisory Group is based in Columbia, South Carolina and serves clients throughout the state. Schedule your free personal pension review with William Garland today.
Frequently Asked Questions — Personal Pension Planning
What is a personal pension?
A personal pension is a privately funded annuity that mimics the guaranteed income of a traditional employer pension. You fund it yourself — through a lump sum or over time — and once activated, it pays you a guaranteed monthly income for as long as you live.
How do I create my own pension without an employer?
You can create your own pension using an income annuity or a fixed indexed annuity with a lifetime income rider. Fund it with personal savings, IRA, or 401(k) funds. When you are ready to retire, it begins paying a guaranteed monthly income for life.
Can I fund a personal pension over time?
Yes. Flexible premium annuities allow you to contribute over a period of years, similar to traditional pension contributions. This makes personal pension planning accessible for business owners, self-employed individuals, and anyone who wants to build income gradually.
What happens to my personal pension when I die?
Most personal pension annuities offer spousal continuation (so your spouse keeps receiving income), return-of-premium death benefits that pay any remaining balance to your beneficiaries, and other legacy protection options.
