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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.