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I’m 51 & planning to retire around 60, likely in Ontario; probably Ottawa or Toronto. The financial side’s mostly sorted (pensions, TFSAs, RRSPs, the whole spreadsheet thing). What I k...
Public-sector pensions are shifting more risk onto employees through hybrid designs, variable contributions and COLA changes, transforming retirement planning for millions....
Not to paraphrase The Clash.... But, I had been planning to retire in January 2026 with a modest pension, SS @ age 65, and draw down assets at a target rate of 3%, and max out my 401K this year. But, ...
This is a small pension that my wife has from a previous job. Papera came in last week...take a lump sum rollover of $21,500 or wait until she is 65 (2033) and take the $274 per month until she has pa...
Corporate pensions are pausing de-risking amid rate uncertainty and litigation. Are plan sponsors acting like bond traders? The data—and behavior—suggest yes....
Planning to retire shortly...no debt, nice emergency fund, very small pension, SS and my 401k, IRAs. We are savers, not spenders so not wortied about living beyond a reasonable amount each month. Wher...
If your Social Security benefits should drop, a pension could provide a financial buffer....
I’m 54. I have a small, under $50,000, 401k that we contribute to monthly and I have a pension. If I take the pension early it will be $1,200 per month. If I wait until 62 it will be $2,000 per ...
Cash balance plans can significantly boost your retirement strategy if you want a reliable, guaranteed income stream....
When I read through these threads and see so many with great pensions, high SS and tons of cash in there 401K and savings, I generally feel as if I am doomed. It is not that I never considered down th...
New research suggest that U.S. public plans have successfully navigated the transition into more diversified investment portfolios....
Collecting full pension? Learn when and how to access your pension, avoid penalties, and locate your pension benefits. The post Collecting Full Pension: What You Need to Know About Timing and Eligibil...
Soon to be 59yo career nurse. My wife and I have about $240k in retirement savings with an anticipated $1100/month pension, $1800-230/month SS, and $200,000-300,00. I was feeling ok about my plan unti...
Retiring at 58+ in about 35 days on a defined benefit pension and deferred comp. Will start taking SocSec at 62!! To avoid a big repair later when "fixed income" is in full effect, I've been toying wi...
If your pension impacted your ability to collect Social Security benefits, 2025 is a very good year for you and your spouse. The Windfall Elimination Provision and the Government Pension Offset are no...
The Social Security Fairness Act removed restrictions on benefits for people with government pensions. If you're one of them, don't leave money on the table. Here's how you can be proactive in claimin...
A financial planner raises some key considerations for navigating retirement with a pension and recommends four strategies....
I am new here and will turn 62 at the end of the year. I have a modest state-sponsored pension that pays me $54k/yr since I retired at 55. I would have been laid off with all the others in the program...
Here's a look at 3 overseas havens offering laidback living, excellent health care, and welcoming communites, ideal for U.S. Veterans retiring on a military pension....
I have no 401k's, no pensions and no stock, no financial advisor. We've always done everything with our own two hands. We've worked way beyond retirement to help our kids. I f(69) and spouse m(75). My...
Let’s journey back in time and discover how an old-timey car company turned people against pensions and ushered in the era of 401(k)s. The post How a Popular Car Company Screwed Over Its Workers...
This financial planner unpacks why Roth conversions can save you big-time on taxes if you're a retiree with a pension....
I have a small pension from a car manufacturer I worked for 20 years ago . I have been receiving payments for the last few months and have just realised as my tax return comes around that I have had n...
To read this story on KSL.com, click here. “If you don’t have a pension, you could face one of the biggest risks in retirement today,” warns financial advisor Ryan Thacker.…...
If you're among the 2% of the population with both a pension and $1 million or more saved, you're in a unique yet complex position as you approach retirement....
Beyond the Pension: A Guide To Building a Profitable Business in Retirement...
I'm one of those who retired without a pension. Fortunately, we worked hard and saved well. Having said that, I know that I can only enjoy the good life while my investement's are humming along nicely...
Tuesday, April 15 - Monday, April 21, 2025 Most Commented score comments title & link 138 125 comments The 2 most common things I hear from retirees 17 61 comments How to convert a pension amount ...
Hard to create a succinct title. Just saw an article that says I need 80% of my current income multiplied by years of retirement. So I do the math and come up with 3 million. I don't have 3 million. B...
I am in and out of some really nice CCRC communities for my job. People tend to casually chat with me during the course of the visit and almost everyone who lives in these CCRCs mentions they have a p...
At a time of resistance to environmental, social and governance goals, pension funds have become a bulwark against efforts to sideline climate risks....
Context; I retired 2.5 years ago after a lifetime teaching biology and chemistry. I have a decent pension and a property portfolio so financially I’m secure and don have to worry about money, fo...
The road to a secure retirement is slightly more intricate for people with pensions. Here are four key issues to consider to make the most out of yours....
Economic uncertainty, inflation and the decline of workplace pensions have left growing numbers of seniors unable to leave their jobs. The post Why “unretirement” may be the fate of so man...
ProFeds Founder, Chris Kowalik, explains the pension calculation that employees can expect if they are RIF’ed. KEY TAKEAWAYS: The pension formula The challenge of including military service The ...
ProFeds Founder, Chris Kowalik, walks through the effect that a RIF will have on an employee’s pension based on their length of federal service. KEY TAKEAWAYS: Effect on pension if an employee h...
I am 65 YO and currently working. My previous job had a pension. I received a letter saying I am now eligible to draw that pension. Can I draw from this pension while still working? Should I ? Backgro...
Just received a notice from SSA that I may be eligible for a pension from a firm I worked at years ago. It’s not an insignificant amount. That company, though, was bought by another company, tha...
Retiree spending powered by U.S. private and public sector defined benefit pensions is substantial: $1.5 trillion in economic output, supporting 7.1 million jobs....
Aronowitz will manage the Employee Benefits Security Administration (EBSA), which protects pension, health, and other benefits and enforces ERISA protections....
SSA.gov - Social Security Fairness Act: Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) update (02/25/2025)...
To maintain the buying power of a pension that has no cost of living adjustment, what percentage of the pension would need to be reinvested in the market each year? Suppose the pension is $30,000 and ...
Markets with larger pools of defined contribution assets behind rise to $58.5 trillion...
In this episode, we answer Lori’s question about whether the repeal of the Government Pension Offset (GPO) will increase her survivor benefits and how it could impact benefits for those with sim...
As employers look to retain workers and employees feel economic anxiety. the trend toward offering pensions to workers could continue in 2025....
I will hit 60 this new year. I retired from a long career with immediate pension and took a job at a Non-Profit after I was offered a position as a manager. The position pays very well and has amazing...
We answer a question from a 44-year-old Pittsburgh bus driver earning over six figures annually who maxes out a Roth IRA, contributes 10.5% to a 457 plan, and is covered by a pension. He owns five ren...
I am 61 years old. I retired in 2023 and receive a pension. As part of that pension I am allowed to, and do, pay for the same health insurance that I was getting as an employee. The difference is I mu...
I’m a current federal employee, and I qualify for retirement with a pension. I know the approximate monthly pension amount as of the date I qualified. How do I calculate how much it increases as...
I (m 62) have some health concerns and would do 100% survivor for the wife (f56). She should be around a long time. Lump is 196K, annuity is $1053 a month for my life then her life I would need to mak...