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Genovese Burford & Brothers Blog

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How a Financial Advisor Can Help Me Evaluate My Pension Payout (Part 2)

How a Financial Advisor Can Help Me Evaluate My Pension Payout (Part 2)
If you read part one of this blog series, How A Financial Advisor Can Help You Evaluate A Pension, but thought, “I’d like to understand the math that goes into this decision”, you are in luck! Although it takes a bit of work, there are 3 steps you need to take before you take the final step of evaluating how it fits in your overall financial plan. Step 1 Have an advisor help you determine the probability you, your spouse or both are still alive in a specified number of years.  “How do you do this?” you may ask. Good question! The government publishes life expectancy tables that will give you and your advisor the typical life expectancy for single or married couples.  From there, the discussion can evolve around you and your spouse’s current health, longevity expectations and financial situation, to develop a reasonable decision to claim benefits. Step...
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How a Financial Advisor Can Help You Evaluate a Pension

How a Financial Advisor Can Help You Evaluate a Pension
After a long and satisfying career, you’re finally starring down the barrel of retirement. Traveling, relaxing, seeing family… and suddenly the rose-colored lenses you’ve been looking through are crushed by a stack of paperwork from HR asking how you would like to claim your pension benefits. Single life, Joint life, lump-sum, period certain, spousal benefits with a pop-up provision, and probably several other terms you’re unfamiliar with stick out as you skim over the packet. Worse off, there is likely a deadline on your sheet for you to respond. Cutting through all the jargon on the paper, the packet of information is asking a few questions; How healthy are you compared to the average person your age? How comfortable are you with risk? How much control do you want to have over this money in retirement? If you can confidently answer these questions, then a financial advisor can help you...
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