Post on 21-Jul-2020
By Rob Russell, Forbes Featured Contributor
CEO, Russell & Company Total Wealth Management
Lead Portfolio Manager, Centum Capital Advisors
Pension Decision Guide 2015 2
800-‐392-‐4378 / TotalWealthAdvice.com
Life is full of difficult decisions; what house to buy, who to marry, where to send your kids to school, what to eat for dinner, but one of the most important financial decisions that you'll ever make is what to do with or how to take your pension.
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This handy guide is designed to help you make this important decision, after all, an informed decision always outperforms and uninformed decision. If you're close to retiring, have separated from your employer, or are being offered a "pension buyout" this guide is for you. We will discuss in simple and understandable terms what options you have with your pension, the pros and cons of each option, tax strategies to help you keep more of what’s yours, the current and future
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pension landscape in America, and a "secret recipe" for creating your very own personal pension.
If you're known to have a short attention span (oh, look shiny object!) you can skip ahead and go straight to the quick decision guide on pages 10 through 13, but if you want the straight scoop your journey starts here.
Pension Decision Guide 2015 If you're close to retiring, have separated from your employer, or are being offered a "pension buyout" this guide is for you.
Don’t miss the extra
supplement in the back of
this guide for expert tips to
avoid common mistakes!
Pension Decision Guide 2015 3
800-‐392-‐4378 / TotalWealthAdvice.com
Table of Contents
ARE AMERICAN PENSIONS PROTECTED OR ARE THEY IN PERIL? 4
HOW SAFE IS MY PENSION? 5 WHAT’S A PENSION MANAGER TO DO? 7 HOW ABOUT OTHER PUBLIC PENSIONS? HOW ARE THEY DOING? 7 THE UNDERLYING PROBLEM IS….MATH 8
ISN’T MY PENSION GUARANTEED BY THE GOVERNMENT? 9
PENSION OPTIONS: THE PROS & CONS 10
WHICH PENSION OPTION IS RIGHT FOR ME? 11 TAKING THE RIGHT STEPS TO AVOID COMMON MISTAKES 12 BUILDING YOUR FOUNDATION WITHIN YOUR FISCAL HOUSETM 13
A REAL LIFE STORY OF TOM AND ANN: BUILDING THEIR “PERSONAL PENSION” 14
ABOUT THE AUTHOR: BIO AND BACKSTORY 15
EXTRA GOODIES! PENSION DECISION GUIDE SUPPLEMENT 16
HOW SAFE IS YOUR ‘SAFE MONEY’? 16 7 SIGNS YOU’RE GETTING BAD FINANCIAL ADVICE 17 TOP 8 REASONS YOU NEED A FINANCIAL PRO 18 THE MOST IMPORTANT THING ABOUT BUYING ANNUITIES 19
Robert Russell offers Advisory Services through Centum Capital Advisors, LLC – an independent RIA. Russell & Company offers securities through Kalos Capital, Inc., Member FINRA, SIPC. Investment Advisory Services offered through Kalos Management, Inc., 3780 Mansell Rd. Suite 150, Alpharetta, GA
30022, (678) 356-1100. Russell & Company is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.
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