Every quarter, 10 hours of your weekly work goes toward funding your own future salary — non-taxable, worker-owned, and permanently secured. This is not a government pension. This cannot be cut. This is yours.
Within your 40 clockable work hours each week, 10 hours are allocated as “Next Year’s Salary.” This is not a deduction. It is not a tax. It is a non-taxable contribution that accumulates over each 15-week quarter and converts directly into your pre-funded salary for the following period.
Every 15 weeks, 150 hours (10 hours × 15 weeks) of non-taxable compensation stack up. Over four quarters, that is 600 hours of pre-funded salary accumulated. Upon retirement, those contributions begin paying out as your ongoing salary, funded entirely by your own labor — not a government fund, not employer promises, not market returns.
Every other retirement model leaves the worker dependent on something outside their control. CHAPPS doesn't.
Funded by current workers paying for current retirees. Subject to legislative cuts. Dependent on population growth. Currently facing insolvency. Not owned by you.
Tied to stock market performance. Can lose 40% of its value in a single market crash. Requires worker investment knowledge. Not guaranteed. Controlled by markets.
Controlled by the employer. Can be underfunded, terminated, or restructured. Tied to company solvency. Many pension systems have already collapsed. Dependent on employer survival.
Funded by your own non-taxable labor contributions. Owned permanently by you. Cannot be cut, reduced, or removed by any employer, government, or market. Pays for life. Owned entirely by you.
The math is simple, transparent, and permanently verifiable. No estimates. No projections. Just structured labor contributions that compound over a career.
“You pre-purchased your own future salary with your own non-taxable labor. It is already yours. It cannot be taken. And when you retire, you continue receiving it — because you already paid for it in full.” — Larry Pinson Sr.
Join CHAPPS for a one-time $100 sign-up fee and begin the process of structuring your pay the right way — with a retirement that belongs to you, funded by your own labor, for life.