You have been loyal... You have worked hard... You have earned your pension... Now you need to know the right way to utilize it. The rules have changed. There has been pension reform. Do you know what to do? Do you take the lump sum option? Tune in to My Smart Retirement with Certified Finanical Planner Nancy Fleming of Fleming Finanical Services and Sinclair Noe as they discuss Pensions. Laws and rules change all the time, know what your options are.