Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now.

Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call.

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16:56 - E-Mail Query: Lump Sum or Pension?
19:45 - Pensions are Going the Way of the Dinosaurs
21:29 - Do Not Have a Lump Sum Check Written to You
22:55 - Pensions have no COLA
25:01 - Plan for Higher Taxes in the Future
26:49 - The YouTube Poll
29:07 - Once You're Done, You're Done
33:58 - Lump Sums & Annuities: Be Careful!
38:30 - Understand Your Options

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Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer

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Our Previous Show, "Indicators & Income: What Retirees Must Know (Who Can You Trust)?" is here:
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