You'll make this decision once. You'll live with it for 30 years.
One signature changes everything. Get the clear, unbiased guide to choosing between guaranteed income and a lump sum payout — before you reach the point of no return.
“A must read for anyone considering taking a lump sum.”
Choosing between a pension and a lump sum comes with a unique set of choices. Get them right, and you can retire with confidence. Get them wrong, and the cost can follow you for decades.
Strategic tax planning can save you tens of thousands over retirement. From Roth conversions to distribution sequencing.
Coordinating Social Security with your pension and personal savings can mean tens of thousands more in lifetime benefits.
-CHAPTER 9-When to File for Social Security
If you retire before 65, you'll need a plan for healthcare coverage. If you retire at 65 or later, you can move straight onto Medicare. Either way, this requires careful planning.
Your Path to Clarity
A straightforward process designed to help you make confident retirement decisions
Written specifically for retirees.
Read it, skim it, or listen to it. Move at your own pace and reach out for Step 2 whenever you're ready.
A 15 to 30-minute conversation.
A chance for us to get to know each other. We'll learn your situation and decide if a Retirement Roadmap makes sense. If not, we'll point you in the right direction.
Schedule CallWe do the work. You do nothing.
A side-by-side breakdown of your pension options — modeled, stress-tested, and projected through age 95. This is where 25+ years of experience does the heavy lifting.
A written plan. Customized to you.
Year-by-year income plan, investment and tax strategy, and a 30/60/90-day action checklist. No pressure. No sales pitch.
Real stories from retirees...
“Their depth of experience with pension and lump sum decisions was a big reason why I recommend your firm to a coworker. My expectations were exceeded when RW Paul made the retirement process much easier than expected. The staff at RW Paul make me feel important and valued.”
Ray C
Client
“We were seeking a financial planner, who acts as a fiduciary, to work with as we moved into retirement. The advisors that we have worked with have been very knowledgeable. They listened to our desires and concerns, reviewed our financial situation and developed a workable plan that allowed us to retire.”
Raymond Z
Client
“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”
Dr. and Mrs. Kenneth K
Clients
“Extremely caring and concerned about my needs and finding a way to meet those. Just an outstanding group of people who are well-trained and most of all listen to their clients. You will find no one better for protecting your income for retirement.”
J T S
Client
“Levelheaded, listen well, articulate, realistic, and knowledgeable. I've worked with both Steve Paul and Matt Dombrowski. Both are very capable and both are very helpful in giving guidance to our overall plan. RWP has created a very solid financial plan that we are extremely confident in.”
KJH
Client
“I love working with Matt. He is always nice. Goes out of his way. I know about saving but nothing about investing. I don't worry because I have trust with him and the organization. I don't feel like a number. It's about customer service and trust and you guys have that.”
Tracy F
Client
“Both Richard and Matthew Paul have been very professional in overseeing our account. We have recommended your organization to others because you listened to us and provided a conservative program for our retirement savings. You have been a blessing.”
Marty & Judy S
Clients
“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”
Laura R
Client
“Their depth of experience with pension and lump sum decisions was a big reason why I recommend your firm to a coworker. My expectations were exceeded when RW Paul made the retirement process much easier than expected. The staff at RW Paul make me feel important and valued.”
Ray C
Client
“We were seeking a financial planner, who acts as a fiduciary, to work with as we moved into retirement. The advisors that we have worked with have been very knowledgeable. They listened to our desires and concerns, reviewed our financial situation and developed a workable plan that allowed us to retire.”
Raymond Z
Client
“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”
Dr. and Mrs. Kenneth K
Clients
“Extremely caring and concerned about my needs and finding a way to meet those. Just an outstanding group of people who are well-trained and most of all listen to their clients. You will find no one better for protecting your income for retirement.”
J T S
Client
“Levelheaded, listen well, articulate, realistic, and knowledgeable. I've worked with both Steve Paul and Matt Dombrowski. Both are very capable and both are very helpful in giving guidance to our overall plan. RWP has created a very solid financial plan that we are extremely confident in.”
KJH
Client
“I love working with Matt. He is always nice. Goes out of his way. I know about saving but nothing about investing. I don't worry because I have trust with him and the organization. I don't feel like a number. It's about customer service and trust and you guys have that.”
Tracy F
Client
“Both Richard and Matthew Paul have been very professional in overseeing our account. We have recommended your organization to others because you listened to us and provided a conservative program for our retirement savings. You have been a blessing.”
Marty & Judy S
Clients
“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”
Laura R
Client
Experienced professionals — including CFP® practitioners and CFA charterholders — dedicated to helping retirees make confident pension and lump sum decisions.
Enter your information and we'll reach out.
Prefer to talk first?
Call us at (248) 305-9911 to speak with a CFP® Professional.
