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One of the biggest retirement decisions most people make has nothing to do with the stock market. It’s a choice buried deep in pension paperwork, and once it’s made, it’s usually permanent. In this episode, Ryan walks through a common pension tradeoff that many retirees underestimate until it’s too late. When you clearly understand the balance between income, longevity, and protection, the right decision often becomes much easier to see.

Here’s what we discuss in this episode:

📄 The Pension Tradeoff: Choosing between higher monthly income or long-term protection

⏳ Longevity Risk: How life expectancy quietly changes the math

💔 Surviving Spouse Planning: Why income needs don’t drop as much as people assume

💰 Income Sources: How Social Security, investments, and insurance factor in

🧠 Income vs. Peace of Mind: Deciding what kind of security matters most

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