The Guarantees

The two separate financial systems play a role in providing guarantees for your financial portfolio.

Guarantees within The Pioneer System

Its guarantees are contractual. Promises are stipulated in a document presented for signature to you after you have been approved. This contract is then signed and endorsed by Guardian.

The promises in it are backed by the assets owned by everybody within the entire fund. As of 2024 year end, assets under management (AUM) were reported as over $90 billion with zero debt.

Guarantees within The IRS System

There are no longer any guarantees here. In the past, these promises were backed by the “full faith and credit of the U.S. government.” Through a change in government policy, the U.S. no longer makes this promise. This action was documented in a memo mailed from banks and other lending institutions in September 2025. It stipulated that the FDIC (and other government entities) would no longer guarantee obligations

So any promises ever backed by our government are now officially null and void. This policy action followed an announcement by our major credit monitoring institutions on May 16 2025. That’s when the credit rating of the U.S. government was downgraded.

As of close to 2025 end of year, the government reports a debt in the $ trillions.

The status of guarantees by tne “Pioneer System” and the “IRS System” are key to the future of our financial plans. Just about every time we see devastation of property brought on by weather, for example, we ask: ” Was it guaranteed?”

This suggests that guarantees are important to us… A fact that we might overlook: The need for guarantees extends to our Retirement programs.

The government’s weak response through FEMA to weather-related incidents like the floods is in North Carolina suggests that the government has reneged on its promise to protect us.

We point out that the government owes us Social Security, for example. The possibility that it will not make good on this promise is key. After all, this program reflects a contract that we made with the government to help us save for retirement.

On a separate note, we consider IRAs to be assets that we own outright. The fact that government can regulate withdrawals points out that this is a misunderstanding,

Going back to the premise from the start of this website that we might feel uncertain and that we might be looking for alternatives, these facts are concerning.

In conclusion: it is very likely a good time to move a portion of our assets away from the “IRA Plan” into the safety of an institution that protects and grows them – the “Pioneer Plan”. And to plan to divert any new stream of assets – salary for example – into your Guardian funding plan. For participating account holders, cash values are always just “a phone call away.”

To put your own assets to work for you, no transactions are needed as they would be to transform precious metals into cash. Your assets in Guardian they are managed by world class portfolio managers who know all about the instruments we are attempting to optimize to ensure our retirements. Huge capital going into Guardian testifies to the confidence the public has of its ability/inclination to handle our investable assets.

Through GIS you are welcome to explore the value of moving assets into Guardian to implement a guaranteed funding plan. We can help you do that.