Pension Decisions
Pension Decisions
You Only Get One Pension Decision
A pension decision is not just paperwork—it’s a lifetime income choice. Once it’s made, it cannot be undone. At Flintridge Private Wealth, we help you evaluate your options clearly so you can move forward with confidence, not uncertainty.
Forbes Best-In-State Wealth Advisor
2024, 2025, 2026
Selected based on a combination of qualitative and quantitative criteria, including industry experience, client service, and assets under management. No fee was paid for consideration. Learn More.
Five Star Wealth Manager
2025, 2026
Award recipients are selected based on objective criteria, including client retention, industry experience, assets under management, and a regulatory review. No fee is required for consideration. Learn More.
#3 on Barron's as Top 100 RIA Firms
2025
Barron’s rankings awarded in September 2025 based on prior 12-month data. NewEdge Capital Group is the award recipient. Flintridge Private Wealth and NewEdge Capital Group, LLC are not affiliated entities. Learn more.
#8 on Forbes as America’s Top RIA Firms
2025
Forbes/Shook rankings awarded in October 2025 based on data from 3/31/24-3/31/25. NewEdge Capital Group is the award recipient. Flintridge Private Wealth and NewEdge Capital Group, LLC are not affiliated entities. Learn more.
Flintridge Private Wealth is a fee-only fiduciary advisory firm.
Common Questions We Hear Every Day
Clients often come to us saying things like:
● “I’m afraid of making the wrong choice.”
● “What if I take the lump sum and the market drops?”
● “What if I take the monthly pension and lose flexibility?”
● “How does this affect my spouse if something happens to me?”
● “Why are so many people choosing different options than I am?”
You don’t have to figure this out alone. We help you bring clarity to a complex and emotional decision.
How We Help You Make the Right Pension Decision
Lump Sum vs. Monthly Pension
We compare both options using personalized projections based on your real situation—not generic assumptions. You’ll see how each choice performs under different market conditions, income needs, and life scenarios.
Risk, Stability, and Peace of Mind
Some people value guaranteed lifetime income. Others prefer flexibility and control. We help you understand which option aligns best with your personality, financial goals, and ability to handle market uncertainty.
Survivor and Spousal Protection
Your pension decision often impacts your spouse or family more than yourself. We help you evaluate survivor benefits and income tradeoffs so your loved ones are protected and financially secure.
Taxes and Full Financial Impact
Your pension choice affects more than income. It influences taxes, Social Security planning, Medicare premiums, and withdrawal strategies. We coordinate all of these factors so your decision supports your entire financial plan.
Comprehensive pension planning for you
Most people think choosing a pension option is just a math decision—but it’s not.
It’s a life decision that affects:
● How much income you’ll receive each month
● How much investment risk you’ll need to take in retirement
● How taxes will impact your retirement income
● What happens financially to your spouse or family
● How confident you feel when your paycheck stops
We help you slow things down, analyze the options clearly, and make a pension decision that fits your real life—not just the spreadsheet.
Pension Advice
Here’s what sets our advice apart
At Flintridge Private Wealth, we believe your pension decision is one of the most important financial choices you will ever make.
Clients work with us because we:
● Bring deep experience helping individuals navigate real-world pension elections and retirement transitions
● Understand who may benefit from a lump sum and who is better supported by a lifetime monthly income option
● Explain complex tradeoffs in clear, simple language, focusing on how each choice impacts your long-term financial security and family
● Coordinate your pension decision with Social Security, retirement accounts, investments, and tax planning strategies
● Design plans that consider and protect both spouses, not just the individual retiree
● Help ensure your pension paperwork is completed accurately and on time, avoiding costly mistakes or delays
Clear Steps. Direct Communication. Calm Guidance.
Our simple three-step pension planning process
Step 1: Get Organized
We start by reviewing your pension options, retirement timeline, spouse or beneficiary needs, and your overall financial picture. This creates a clear foundation so your decision is made with full understanding, not guesswork.
Step 2: Run the Stress Test
We compare your options side by side, including lump sum versus monthly income, survivor benefits, inflation assumptions, market scenarios, and tax impact. This helps you clearly see the long-term tradeoffs before making any final decision.
Step 3: Implement With You
Once you’re ready, we guide you through the election process and coordinate your pension decision with the rest of your retirement plan. We help ensure everything is completed correctly so nothing is missed and your transition is smooth.
Office Location
Visit Our Pasadena Office
Meet with the Flintridge Private Wealth team for personalized financial guidance and wealth management services tailored to your goals.
Pasadena Office
Flintridge Private Wealth
251 South Lake Avenue
Suite 800
Pasadena, CA 91101
Mon - Fri: 9:00 AM to 5:00 PM
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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Advisory services offered through NewEdge Advisors, LLC, a registered investment advisor.
NewEdge Advisors, LLC (“NewEdge Advisors”) is a registered investment advisor. Advisory services are only offered to clients where NewEdge Advisors and its representatives are properly licensed or exempt from licensure. This website is solely for information purposes. Past Performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by NewEdge Advisors unless a client service agreement is in place.
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