Broker Check

52 Chestnut Street, Suite 204, Rutherford, NJ 07070

nuno@pereirawm.com
Client Login

Lump Sum or Monthly Annuity?


One Choice. One Chance. Let’s Get It Right.

We run a personalized break-even analysis for every client before they decide — because this decision can’t be undone.

The Most Important Decision in Your Retirement

If you’re a union member approaching retirement, there’s a good chance you’ll be asked to choose between a guaranteed monthly pension check and a one-time lump sum payment. Most people spend more time researching a car purchase than they do this decision. We’re here to change that.

By the Numbers

  • 1 in 5 retirees who took a lump sum without guidance drained it within 4½ years.[1]
  •  46% of lump sum retirees now wish they had chosen guaranteed income instead.[2]
  •   2x more saved for retirement by people who work with a financial advisor ($132K vs. $62K).[3]
  •  75% of people with a financial advisor feel confident they'll be financially prepared for retirement — vs. only 45% without one.[4]
  •  74% of millionaires work with a financial advisor — vs. only 34% of everyone else.[5]
  •  82% of Americans wish they had sought professional financial advice earlier in life.[6]

The difference? Professional guidance — and a plan

Why Pereira Wealth Management?

We specialize in helping union retirees navigate exactly this decision. Before you choose, we’ll walk you through a personalized break-even analysis that accounts for your health, your spouse’s situation, your other income, and your goals for the future. We believe the lump sum is the right move for most of our clients — but we always show you the numbers first, so you can decide with confidence.

Ready to Know Your Number?

Schedule your complimentary consultation today. We’ll run the analysis, walk you through both options, and help you make the decision that’s right for your life — not just your balance sheet.

Schedule your COMPLIMENTARY Consultation

Sources & Citations

1.  MetLife. (2026). Paycheck or Pot of Gold Study. Conducted by The Harris Poll, October 2025.

 2. Consumer Financial Protection Bureau. (2016). Pension Lump-Sum Payouts and Your Retirement Security.

 3. Internal Revenue Service. Topic No. 412 — Lump-Sum Distributions.

4.  Northwestern Mutual. (2024). Planning & Progress Study.

5.  Northwestern Mutual. (2025). Planning & Progress Study.

6. Voya Financial. (2024). Survey Finds All Generations Wish They Started Saving Earlier.

This material is for informational purposes only and is not intended as personalized investment advice. All investing involves risk, including the possible loss of principal. Investment decisions should be made based on an individual’s financial situation, objectives, and risk tolerance. Investing a lump sum involves market risk, and there is no guarantee that investment objectives will be achieved. Returns will fluctuate, and investors may receive more or less than their original investment. Before deciding whether to retain assets in an employer-sponsored retirement plan or roll over to an IRA, investors should consider a variety of factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors, required minimum distributions, and the availability of employer stock. Third-party data and statistics cited are believed to be reliable but have not been independently verified, and their accuracy or completeness cannot be guaranteed. Survey results and statistical findings are not indicative of future performance or outcomes and may not be representative of all investors.