Pension Buyout? Should You Take a Lump Sum or Lifetime Income? Have you been offered a pension…

Pension Buyout? Should You Take a Lump Sum or Lifetime Income?

Have you been offered a pension buyout and are unsure of what you should do? You aren’t alone. Watch this video to learn key considerations for how to maximize a pension buyout. # pension #retirementplanning # annuity

Today we’re diving into a topic that can have a major impact on your retirement—pension buyouts. If you’re among the millions of Americans still covered by a defined-benefit pension, this video is for you.

🔍 In this video you’ll learn:

What is a pension buyout?

How does federal PBGC protection change when your employer transfers your pension to an insurer?

State guaranty association limits vs. PBGC caps (e.g. NC’s $300K annuity protection vs. PBGC’s $7,400/mo guarantee)

Key considerations:
• Reading your “Notice of Annuity Contract”
• Calculating the implied rate of return on an insurer-issued annuity
• Comparing an annuity vs. lump-sum offer (and rollover strategies)

⚠️ Why it matters:
Once your pension payments move to an insurance company, PBGC’s guarantee ends and your security relies on state insurance guaranty limits. Understanding these differences—and their dollar caps—can save you from unpleasant surprises down the road.

👍 If you found this helpful, hit Like, Subscribe, and ring the 🔔 to stay updated on retirement and financial planning strategies.

❓ Got questions or a pension buyout offer in hand? Drop a comment below or give us a call—we’re here to help you make the best decision for your future.

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

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🔎 Related Phrases:

#retirementplanning #fixedindexannuity #pension

https://www.youtube.com/watch?v=EahXPBkQSiI

via Ark Royal Wealth Management
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May 17, 2025 at 11:59PM

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