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Three short guides covering the three things your offer letter leaves out: the real math, what happens when your pension is sold to an insurer, and the federal guarantee cap.
The 6% rule is the internet's favorite shortcut — and it quietly assumes you die on schedule. Here is the full math, worked end to end on a real-shaped offer.
More than 740,000 participants were swept into pension risk transfers in 2025. What changes, what doesn't, and the PBGC protection that goes away.
The federal guarantee has a ceiling most offer letters never mention. How the cap works, how age changes it, and what happens above it.