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Although increasingly rare, employer pensions can make up a considerable portion of your expected retirement benefits.

Whether you are nearing retirement or are already receiving ongoing pension payments, you may have the option to choose a lump sum distribution/buyout instead of a lifetime stream of payments. Several factors must be analyzed in order to determine what course is best for you and your unique circumstances.


This flowchart serves as a guide for you as you consider your pension options. It covers:

  • Life expectancy considerations
  • Viability of pension plan
  • Risk tolerance and need for guaranteed income
  • Wealth transfer considerations
  • Lifetime income options