As an employee, you’ve worked hard and dedicated a significant amount of time to your company and career. Now, the time has come for you to think about yourself and your family and what you want to do for the rest of your life. What are your goals and desires?

Your employer may offer a defined benefit plan. If so, the time is coming for you to decide how you want this money distributed to you in retirement. You will have several options to select from and some pay more than others.

This is a decision that you only can make once and it may have an impact on your financial future.