Jul 31, 2026 · 16 min · 11 segments
If you have a pension, your retirement may look very different than most people expect. Many retirees assume they'll spend down their investments throughout retirement. But if you have a pension…
They're not expecting their assets to continue to grow throughout their retirement.
And so we often think about this as the accumulation phase, save, save, save, save, save.
That's during all of your working years that many of you have done the last 30 to 40 years.
And so what makes your situation unique is during those 30 to 40 years, you not only save into your 401k or 403b or TSP or any employer retirement account, but you also saved into your pension and that came out of your paycheck and that is something your employer is going to provide you when you retire or maybe you already are retired.
Many people only have that employer side of that 401k, they don't have the pension as well.
And so you are in a very blessed situation, as you all know, I'm sure, but that is why during the distribution phase, you may not be as worried.
We see a lot of people that don't have pensions that are worried about coming down that distribution phase because they don't have that guaranteed income to live off of.
A lot of these are real concerns because they don't have that pension to protect them and patch up these problems.
And so you know this channel is dedicated to those in that 2% club, which I also wrote a book about that.
We often see that their concern is not running out of money, their concern is running out of life.
And so that's what we're here to talk about today is how we see with most of our clients that most of their accounts typically grow as their retirement goes.
And so this is a great problem to have, but it can be a problem if you don't utilize it and steward it and make the most of it with the fulfillment and joy that you can have from your life savings.
They're not expecting their assets to continue to grow throughout their retirement.
And so we often think about this as the accumulation phase, save, save, save, save, save.
That's during all of your working years that many of you have done the last 30 to 40 years.
And so what makes your situation unique is during those 30 to 40 years, you not only save into your 401k or 403b or TSP or any employer retirement account, but you also saved into your pension and that came out of your paycheck and that is something your employer is going to provide you when you retire or maybe you already are retired.
Many people only have that employer side of that 401k, they don't have the pension as well.
And so you are in a very blessed situation, as you all know, I'm sure, but that is why during the distribution phase, you may not be as worried.
We see a lot of people that don't have pensions that are worried about coming down that distribution phase because they don't have that guaranteed income to live off of.
A lot of these are real concerns because they don't have that pension to protect them and patch up these problems.
And so you know this channel is dedicated to those in that 2% club, which I also wrote a book about that.
We often see that their concern is not running out of money, their concern is running out of life.
And so that's what we're here to talk about today is how we see with most of our clients that most of their accounts typically grow as their retirement goes.
And so this is a great problem to have, but it can be a problem if you don't utilize it and steward it and make the most of it with the fulfillment and joy that you can have from your life savings.
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