Over 40 years in the pension and investment profession. Familiar with many retirement plans and their regulatory requirements. Have worked with Public and Private Retirement plans. They range from Defined Benefit, 401(k), Cash Balance, Sep, Ira, Money Purchase and Profit Sharing. My expertise includes working with Multiple Employer and Single Employer retirement plans.

I have also worked with many individuals who are on the verge of retiring and faced with planning income for their lifetime.

Should you take a lump sum or annuity? 90 percent of people take a lump sum. 10 percent take an annuity.

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Created the first Group Variable Annuity in the insurance industry using outside investment advisors who became sub-advisors. Variable Annuities also use this concept.