Bill Christo

IFW Financial Professional Bill Christo

After operating a successful photography studio for over twenty years, Bill Christo witnessed the digital revolution reshape the photography business landscape forever. It was at that time, Bill changed course and has been a licensed investment professional since 2010. Starting with New York Life, Park Avenue Securities, and Fidelity Investments, Bill moved on to more independent financial services roles and has helped hundreds of clients invest and grow their net worth in the securities industry.

Over the last decade, as the market continued to be an endless rollercoaster ride creating stress and insecurity among his clients, he began to realize that for most people entering their retirement years, preserving and insuring the assets they already have accumulated, as well as mitigating tax burdens, was much more important than risking his clients assets in volatile stock market scenarios while hoping for a possible gain. Accounts like 401k’s, IRA’s and “managed portfolios,” that are exposed to higher taxes in the future and are never protected from downside risk in the market, simply did not offer the guarantees clients used to enjoy in their pensions. Risk and hope are definetly not the descriptive words you want to hear used in a clients retirement strategies.

There had to be a better way and there was. The answer was to create foundational capital strategies, volatility buffers and private pensions to give his clients peace of mind knowing that no matter what happened in the market, they have the ability to give themselves “permission slips” to enjoy their money however they choose while knowing their monthly financial obligations will always be met.

Bill has become passionate about providing guaranteed lifetime income, growth and legacy strategies that provide his clients with financial confidence and peace of mind, now, and throughout retirement. He strives to give each family the ability to enjoy their wealth while knowing that their monthly financial obligations are guaranteed to be covered for the rest of their lives. 

In 2016 he founded The Private Pension Group and is now proud to be partnered with The Institute of Financial Wellness. Together, their team provides safe money strategies to insure their clients create the foundational wealth necessary to build successful financial futures. In addition to that, and in partnership with the team at IFW, Bill can provide you with a propriatary software program called “The Roadmap to Retirement.” This software employs a patented monte carlo simulation process that will give each client a percentage based score. This score will show the client their chances of having a successful retirement using their present strategy and, if necessary (and with input from highly qualified financial advisors), will determine alternative stratiegies that may be implemented to improve that score. By taking advantage of all these available options, clients receive a clear picture of where they stand now and an actionable roadmap to where they want to be.

Bill resides on the Seacoast of New Hampshire. Along with his wife Celeste (a Family Law Attorney) and his two teenage kids, Tyler and Anastasia. When he’s not helping clients and their families, Bill enjoys skiing, sailing, cooking and traveling, but his favorite pastime is watching his kids become awesome young adults.


  • Life & Health Licensed
  • 403b & 457 Certified
  • Annuity Licensed
  • Long Term Care Licensed


  • Pension Planning Consultant
  • Retirement Planning
  • Internal Roth Conversions
  • Estate Planning
  • Tax Strategies
  • Annuities
  • Life Insurance
  • Long Term Care

Bill Christo

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