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Pension Lump Sum vs Lifetime Income

A guided tool to help you pressure-test the tradeoffs before choosing.

What this tool does
  • Clarifies key decision factors (health/longevity, plan security, legacy, income stability)
  • Produces a recommendation + questions to ask your plan administrator
  • Creates a print-ready summary
What this tool doesn’t do
  • Does not compute your exact breakeven age, taxes, or investment returns
  • Does not replace plan documents or legal/tax advice
Before you start
Document checklist
  • Pension election package (all payout options)
  • Lump sum quote and monthly benefit quote(s)
  • Survivor options and reduction factors
  • Any COLA details (if offered)
  • Your other retirement income sources (SS estimate, portfolio, rental, etc.)
Persistent disclaimer
Educational only; confirm with CPA/plan admin; choices may be irrevocable.
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Educational tool only. Not investment, tax, legal, or actuarial advice. Pension elections may be irrevocable. Confirm plan terms and coordinate with your advisor and CPA.