Pension Planning Solutions, Inc.

Pension Planning Solutions, Inc. provides ongoing investment advice and individual portfolio management primarily to individual and high‑net‑worth clients, developing a personal investment policy through one‑on‑one interviews and questionnaires. The firm also advises on retirement accounts and provides rollover recommendations, acknowledging its fiduciary obligations under ERISA and the Internal Revenue Code when making such recommendations.

PPS constructs portfolios from a range of instruments — including individual equities, fixed income, mutual funds, ETFs, and, where appropriate, options, margin and short‑sale strategies — and applies a mix of fundamental, technical, cyclical and charting analysis. Accounts are managed on a non‑discretionary basis, meaning PPS implements trades only after client approval and allows clients to impose reasonable investment restrictions.

Distinctive for a small, solo practice, PPS has experience advising pension and profit‑sharing plan matters and retains a focus on retirement‑account rollovers while having recently ceased servicing business retirement plans. The firm’s emphasis on primarily non‑discretionary relationships, use of active techniques (such as option writing and short sales), and willingness to accommodate special situations (for example low‑basis stock, legacy holdings, or closely held business interests) sets its service mix apart from many independent peers.