Maximize Your Pension: Lump Sum vs Annuity Payout
You face a permanent, irrevocable decision. Do not rely on intuition. Let our team mathematically stress-test your buyout offer to see which option actually secures your retirement.
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The Hurdle Rate: See the exact rate of return a lump sum needs to beat your annuity.
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Inflation Analysis: Understand how fixed payouts lose purchasing power over time.
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Fiduciary Advice: Get 100% objective advice with zero sales pressure.
The Dilemma: Guarantees vs Control
The Lump Sum Risk: Taking a lump sum gives you total control and legacy potential, but it transfers 100% of the market risk and investment burden directly onto your shoulders.
The Annuity Trap: A fixed monthly payout feels safe, but it offers zero inflation protection and leaves zero legacy value for your heirs. Your purchasing power will erode every year and there is always a risk your former employer might face financial trouble in the future.
The Solution: Objective Mathematical Modeling
This decision requires more than a gut feeling. We map your specific buyout offer against tax implications, inflation scenarios, and 30-year market cycles to find the mathematical winner.
Get Objective, Fiduciary Advice
A brief, confidential discussion to review your buyout and see if our firm is a fit.
100% Fee-Only Fiduciaries
Based in Bloomfield Hills, MI
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The GPM Difference:
"Because we are fee-only fiduciaries who never sell commissioned products, our analysis of your pension is entirely objective. We have no financial incentive for you to select the lump sum vs annuity. Our mission is to help individuals and families build durable, generational wealth." - Joe Griffin
Your Path to Clarity in Three Simple Steps:
01
15-Minute Intro Call
A strictly confidential, no-pressure discussion to review the parameters, deadlines, and timeline of your specific buyout offer.
02
The Stress Test
We run the math. We model your lump sum and annuity options against your total financial picture to find the clear winner.
03
The Strategy
We design a custom, tax-efficient withdrawal and investment plan to sustain your lifestyle and protect your legacy.