Persona Research

We're dedicated to insuring the retirement savings needed for the Basic Cost of Living of American retirees and working families. This allows us to support other charities with substantial donations from our commissions. With some $20 Trillion in retirement funds now sitting in Mutual Funds, it creates an existential threat to the financial security of millions of Americans in recurring stock market crashes and recessions. It is paramount for that investment model to be changed to include a guaranteed lifetime income that covers the Basic Cost of Living in retirement. This was already the case for a century from the 1870s to the 1970s - after which Wall Street was allowed by Congress in 1979 to replace safe pensions with risk-driven 401(k)s. To counter that, Congress passed The SECURE Act of 2019 [partly] to help with excessive market risk in retirement portfolios, but much more needs to be done. Our newly-formed nonprofit can help with that by providing the investing public with actionable advice to secure their retirement income. This will, in turn, allow us to donate a substantial portion of our commissions to other charitable organizations. It's a win-win.