Independent, Bilingual Retirement Planning in Rhode Island

Retirement Planning in Rhode Island, All Coordinated in One Place

Retirement isn't just a savings number — it's Social Security timing, income sources, healthcare costs, and what you leave behind, all working together. As an independent agency, we help Rhode Island families coordinate these pieces instead of treating them as separate decisions, explained in plain English, Spanish & Portuguese, at your pace.

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A+ Better Business Bureau Accredited

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Independent, Multi-Carrier Access

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Bilingual, English, Spanish & Portuguese 

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Retirement planning covers more than an investment account balance. It includes deciding when to claim Social Security, whether an annuity fits your need for guaranteed income, what to do with old 401(k)s and IRAs from previous jobs, and how to structure your life insurance and beneficiaries as part of your legacy.


Most wealth management firms focus on managing investment assets — which is valuable, but it's only part of the picture. As an independent insurance and financial services agency, our approach coordinates your retirement income planning alongside your Medicare and long-term care decisions, since healthcare costs are one of the biggest — and most often overlooked — expenses in retirement.

What Does Retirement Planning Actually Involve?

Explore Your Options

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Social Security Planning

Find the claiming age that fits your income needs — and see how it lines up with your Medicare timing.

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Annuities

Compare fixed, indexed, and immediate annuity options built around guaranteed retirement income.

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401(k) & IRA Rollovers

Consolidate old employer accounts and roll over retirement savings without triggering unnecessary taxes or penalties.

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Estate & Legacy Planning

Review beneficiary designations and life insurance structuring to make sure your legacy goes where you intend.

Don’t see your area? Contact us — we likely serve your region too.

Why Choose PG Financial Group for Retirement Planning

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Coordinated, Not Siloed 

We look at Social Security, income sources, healthcare costs, and legacy planning together, not as separate appointments with separate advisors.

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Independent & Multi-Carrier

We compare annuity and insurance options across carriers, not a single proprietary product.

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Bilingual, English, Spanish & Portuguese 

Since we also handle Medicare, your retirement healthcare costs are factored in from day one, not treated as an afterthought.

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Family-Run, 25+ Years Combined Experience

You work directly with our team, not a call center.

Meet Beiya Pena

Beiya Pena has spent 25+ years combined in financial services helping Rhode Island families coordinate Social Security, income, and legacy planning — alongside their Medicare and long-term care decisions. As an independent agent, she looks at the whole picture, not just one account or one policy.

How It Works

  1. Reach out
    Request a quote, give us a call, or schedule a free consultation.
  2. Talk through the whole picture
    We'll review your income sources, Social Security timing, existing accounts, and healthcare needs together.
  3. Compare your options
    See annuity, rollover, and legacy planning options explained in plain language.
  4. Move forward with confidence
    Make decisions with no pressure and no obligation, knowing the pieces fit together.
Quick Answers, Honest Advice

Frequently Asked Questions

  • How do I know if I'm ready to retire?

    Readiness depends on your income sources, Social Security timing, healthcare costs, and expenses — not just a savings total. We review all of these together to give you a clear answer.

  • What age should I claim Social Security?

    It depends on your income needs and health outlook. Claiming as early as 62 reduces your monthly benefit, while waiting until full retirement age or 70 increases it — the right choice depends on your specific numbers.

  • Are annuities a good investment for retirement income?

    Annuities can provide guaranteed income for a set period or for life, which appeals to people worried about outliving their savings. Whether one fits your plan depends on your other income sources and goals.

  • Should I roll over my old 401(k) when I retire?

    Often, yes — consolidating old employer accounts into an IRA can simplify your finances, but the right move depends on fees, options, and your specific accounts. A direct rollover avoids unnecessary taxes or penalties.

  • How does estate planning fit into retirement planning?

    Retirement planning includes reviewing beneficiary designations and life insurance structuring to make sure your legacy goes where you intend. For legal documents like wills and trusts, we can point you toward an estate planning attorney.

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Where We Serve

We help families across Providence, Pawtucket, Cranston, Warwick, Cumberland, Central Falls, and the surrounding Rhode Island and New England area plan for retirement — from our office in Lincoln, Rhode Island.

Let's Coordinate Your Retirement Plan

No pressure, no obligation — just a clear conversation about how your Social Security, income, healthcare, and legacy plans fit together.

A+ BBB Accredited · 25+ Years Combined Experience · Bilingual, English, Spanish & Portuguese