In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim break down how pensions work, why they’ve become increasingly rare, and what that means for today’s retirees. They discuss the shift from employer-funded pensions to self-funded retirement accounts like 401(k)s, and the importance of building your own reliable income stream. The conversation also explores how tools like annuities can be used to help create guaranteed income, the different types available, and why understanding your options is key to making the right decision for your long-term financial security.

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