Protective Planning Concepts | Comprehensive Retirement & Annuity Services

Turn Your Retirement Savings Into Guaranteed Lifetime Income — Without Worrying About Market Risk.

As fiduciaries, we only recommend top-rated annuities from America’s most trusted insurance providers — designed to protect your nest egg and give you the income Social Security can’t.

Get Your Free Retirement Income Strategy Call (281) 468-1280

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SOME OF THE PRODUCTS WE WORK WITH

Working With The Top Annuity Brands

You’ve Worked Hard. Now It’s Time to Stop Worrying About Outliving Your Money

At Protective Planning Concepts, we understand that retirement is about more than just saving—it's about creating a plan that secures your future, protects your assets, and provides reliable income for years to come. Our range of services is designed to address your unique concerns, from safeguarding your savings against market risks to maximizing your income potential. With our personalized strategies, you can retire with confidence, knowing your financial well-being is in expert hands.

Retirement Income Planning

Retirement can bring uncertainty about maintaining a steady income. Our retirement income planning service creates customized strategies to ensure you have predictable, lifelong income streams. We focus on safe, reliable financial products like annuities to provide stability, so you never have to worry about running out of money during your retirement years.

Pension Distribution Planning

Choosing the right pension distribution option is critical for long-term security. Whether you’re deciding between a lump sum or lifetime payments, we help evaluate your choices to maximize benefits and protect your income. Our advisors tailor solutions to align with your overall retirement goals, ensuring financial peace of mind.

401(k) / IRA Rollovers

Rolling over your 401(k) or IRA can feel overwhelming. Our team simplifies the process, guiding you through transferring your retirement savings into no-risk, growth-focused accounts. This ensures that your assets are positioned for optimal performance while preserving tax advantages and keeping your future secure.

Annuity Strategies

Worried about market volatility or outliving your savings? Annuities offer a powerful way to secure guaranteed income for life. We design annuity strategies tailored to your needs, focusing on safety, stability, and predictable returns to help you enjoy retirement without financial stress.

Principal Preservation Strategies

Protecting your hard-earned savings is a top priority. We implement principal preservation strategies that shield your assets from market losses while allowing for potential growth. With safe investment options, you can enjoy peace of mind knowing your wealth is secure, no matter the market conditions.

Roth Conversion Concepts

Concerned about rising taxes eating into your retirement savings? A Roth conversion could be the answer. We analyze your financial situation to determine if converting traditional accounts to a Roth IRA will benefit your tax situation. This proactive strategy ensures tax-free income and greater flexibility in your later years.

Retirement Cash Flow / Budgeting

Managing expenses in retirement can be challenging. Our retirement cash flow and budgeting service helps you create a comprehensive plan to align your income with your lifestyle. By optimizing your spending and maximizing your income sources, we ensure you can comfortably meet your financial needs throughout retirement.

Ready to Secure Your Financial Future with a Trusted Annuity Advisor?

Take the first step toward a guaranteed, worry-free retirement with a personalized financial plan. By submitting your request, you are accepting a 10 minute phone conversation with Bob Anastas, Founder of Protective Planning Concepts, will be calling you from a 203 area code to discuss your request.

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Frequently Asked Questions

Are annuities safe?

Yes — when used correctly, annuities are one of the safest retirement tools available. We only recommend annuities from top-rated insurance companies that have long-standing reputations for financial strength. Plus, certain annuities offer guarantees backed by state-regulated reserves, ensuring your income is protected for life — even if the market drops.

What does it cost to talk to you?

Absolutely nothing. Our retirement income strategy call is 100% free and comes with no obligation. We’re fiduciaries, which means we don’t pressure, push, or “sell” anything — we simply help you make the smartest financial decision for your future.

Can I still access my money?

Yes. Many annuity strategies we recommend include flexible features like penalty-free withdrawals, income start-date options, and liquidity riders. We tailor your plan so you maintain access when you need it — without sacrificing long-term income security.

Do I have to decide on anything during the call?

Nope. This call is just a discovery session to help you understand your options. We’ll walk through your retirement goals, show you how different annuity strategies work, and answer your questions. If it feels like a fit, we’ll talk about next steps — but there’s zero pressure to commit.

“Working with Bob from Protective Planning Concepts was an enlightening experience. He was very conscious of understanding my financial position and providing me with options concerning my needs for retirement."

Betty C. CT