Attention: Medical Professionals
This tax-strategy may still be available for the 2024 filing year2024 tax return period2024 tax filing season2024 tax year submission
Save Big on Taxes, Retire with Confidence!
PenX: Tailored Financial Solutions for Medical Professionals to Maximize Tax Savings and Secure a Lifetime of Retirement Income

Your Gateway to Stress-Free Retirement
PenX is the Financial Empowerment Institute’s (FEI) exclusive brand for the defined benefit fully insured 412(e)(3) pension plan. Created by FEI, PenX represents our unique branding of the 412(e)(3) and sets a higher standard in retirement planning, with a commitment to empowering medical professionals. PenX can provides:
See How PenX Has Changed Lives

“PenX saved us $156,500 in taxes annually and built $2.36M in five years. Now we can retire with $205,000 in annual income or a Rollover IRA!”
Anesthesiologists
“I’m saving over $40,000 in taxes each year while securing a guaranteed $280,000 in annual retirement income when I turn 62. PenX has given me the freedom to retire on my terms.”
Dentist

Meet the Visionary Behind PenX
Gloria Charles
Founder & CEO
Financial Empowerment Institute, Pension & Financial Strategist, Visionary Leader, Trainer, Speaker
With over a decade in the wealth management industry, Gloria Charles is the driving force behind PenX, the ultimate retirement solution for medical professionals, small business owners and self-employed individuals. Her expertise lies in designing innovative pension plans and advanced financial strategies that deliver results. She turns your goals—financial independence, a lasting legacy, and support for loved ones—into reality. With PenX, Gloria empowers you to save big on taxes now while building a secure, fulfilled future full of confidence and smiles.
Backed by a skilled team of tax attorneys, CPAs, CFPs, and actuaries with over 25 years of experience administering more than 777 plans, FEI is committed to maximizing your benefits and helping you achieve a secure, fun, and fulfilling retirement.
Start Saving Big On Taxes and Secure Your Future Today!
Discover how PenX can help you save significantly more than $40,000+ in taxes each year while ensuring a stress-free and secure retirement. Take the first step toward a stress-free retirement with a pension plan designed to support the unique needs of medical professionals.
“ PenX helped us save a significant amount each year while securing a comfortable retirement income. It’s exactly what we needed to feel confident about our future.”
Anesthesiologists