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Typically, a financial plan is built around working until the age of 65 and then retiring. Though for many individuals, retiring sooner or at least having the option to retire earlier sounds much more enticing. The F.I.R.E opens the door to access financial independence sooner.   What is F.I.R.E F.I.R.E stands for financial independence, retire early. It’s a lifestyle movement for...

How do you choose – pension or lump sum?  Pension payment options are guaranteed for your life, and you don’t have to worry about outliving the money.  Lump sum option requires you to take the money, roll it over into an IRA, invest it, and generate cash flows by taking systematic withdraws throughout your life.  As a retiree eligible for...