3 Big Risks When You Are Retiring With a Pension

3 Big Risks When You Are Retiring With a Pension

Think your pension guarantees a worry-free retirement? Think again. While pensions provide stability, there are three hidden risks that can quietly erode your financial security: inflation, gap years before benefits start, and choosing the wrong survivor benefit. If overlooked, these risks could mean the difference between a surplus and running out of money too soon.

In this video, I’ll walk you through real case studies with charts and calculations to show how these risks play out in retirement. You’ll see how a pension without a COLA can fall behind rising expenses, how retiring just three years earlier can create a major shortfall, and why selecting the wrong survivor option could leave your spouse financially exposed for decades.

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If you have a pension or are planning to retire soon, this video is for you. I’ll explain how your retirement income may be affected by inflation, how to potentially avoid dangerous portfolio withdrawals during gap years, and make smart survivor benefit elections to help safeguard your spouse. With the right planning, your pension can remain a powerful and resilient foundation for retirement.

💡 More Wealth Planning Case Studies:
📌 $2.2M at 62? Retire at 65? Maybe Earlier!:    • $2.2M at 62? Retire at 65? Maybe Earlier!  
📌 $1.6M Portfolio but CAN'T Retire – How to AVOID their Mistakes:    • $1.6M Portfolio but CAN'T Retire – How to ...  
📌 Why a Pension Changes the Way You Should Plan for Retirement:    • Why a Pension Changes the Way You Should P...  

Don’t let hidden pension risks derail your retirement!
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Paces Ferry Wealth Advisors, LLC is a registered investment advisor (“RIA”) with the U.S. Securities and Exchange Commission (“SEC”). This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. SEC registration does not constitute an endorsement of the Firm by the Commission, nor does it indicate that the Firm has attained a particular level of skill or ability. Information presented does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. This information should not be construed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. This presentation should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the adviser as of the date of the presentation and are subject to change.