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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