Rising rates = shrinking lump-sum offers. Time your exit.
Corporate defined-benefit pension lump-sums are calculated using published IRS interest rates. When rates rise, lump sums fall — often 15–25% year-over-year. Retirees near a pension freeze or plan termination should model lump-sum vs single-life vs joint-and-survivor annuity, factoring PBGC guarantees and health status.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.