RETIREMENT PLANNING With Rob Ryan WEALTH MANAGEMENT hYour Cue for TAKING YOUR LUMPS The IRS recently indicated it might allow defined-benefit plans to offer lump-sum payouts to retirees who are currently receiving pension payments. If this policy shift takes place, it would reverse a 2015 IRS announcement that signaled its intent to prohibit such retiree lump-sum offers. The IRS says it will"continue to study the issue." In the meantime, retirees are left to mull over what they would do if given a pension lump-sum offer. In some cases, given the choice between a pension annuity and a lump sum, a lump sum may make sense depending on the recipient's life expectancy and other assets. However, opting for a lump sum, generally irrevocable decision that forfeits guaranteed income for life. The reason to consider would be for an opportunity to earn more over the recipient's life. At Ryan Wealth Management, we help pre-retirees and retirees who want comprehensive wealth management plans strategically designed to help sustain wealth, provide cash-flow income, offer long-term growth, and provide financial security. Everyone has different goals, so it's important to have a unique and customized plan that works for you, and your financial situation, both now and in the future. Call to schedule a consultation When deciding between a pension annuity and a lump sum,, factor your spouse and other potential heirs into the decision. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will outlive my money?" Rob Ryan is a Registered Representative efering securities and advisory services through Reyal Aliance Associates, In. regstered broker-dealer and registerndd investment adviser, Member FINRA, SIPC. Additional advisory servics, insurance and Estate Plansing offered thresgh Ryan Weath Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Century Park Drive in Yaba City CA Insarance Lik. OCO5959 RETIREMENT PLANNING With Rob Ryan WEALTH MANAGEMENT hYour Cue for TAKING YOUR LUMPS The IRS recently indicated it might allow defined-benefit plans to offer lump-sum payouts to retirees who are currently receiving pension payments. If this policy shift takes place, it would reverse a 2015 IRS announcement that signaled its intent to prohibit such retiree lump-sum offers. The IRS says it will"continue to study the issue." In the meantime, retirees are left to mull over what they would do if given a pension lump-sum offer. In some cases, given the choice between a pension annuity and a lump sum, a lump sum may make sense depending on the recipient's life expectancy and other assets. However, opting for a lump sum, generally irrevocable decision that forfeits guaranteed income for life. The reason to consider would be for an opportunity to earn more over the recipient's life. At Ryan Wealth Management, we help pre-retirees and retirees who want comprehensive wealth management plans strategically designed to help sustain wealth, provide cash-flow income, offer long-term growth, and provide financial security. Everyone has different goals, so it's important to have a unique and customized plan that works for you, and your financial situation, both now and in the future. Call to schedule a consultation When deciding between a pension annuity and a lump sum,, factor your spouse and other potential heirs into the decision. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will outlive my money?" Rob Ryan is a Registered Representative efering securities and advisory services through Reyal Aliance Associates, In. regstered broker-dealer and registerndd investment adviser, Member FINRA, SIPC. Additional advisory servics, insurance and Estate Plansing offered thresgh Ryan Weath Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Century Park Drive in Yaba City CA Insarance Lik. OCO5959