Finding The Silver Linings In Forced Retirement Situations

Maybe you are experiencing some more unfortunate situations lately when it comes to retirement. Is there a positive spin you can put on it?

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The View From The Pinnacle

Maybe you are experiencing some more unfortunate situations lately when it comes to retirement. Is there a positive spin you can put on it?

Click the timestamps below to fast forward to certain points of the episode.


Thing’s You’ll Learn Along Today’s Journey

You may hear that there’s always a silver lining, even in a bad situation. After years of making a retirement plan, being forced into an early retirement or given a lump sum buyout may feel like a major setback. But is there good that can come out of it?

If you are pushed into an early retirement, you may be forced into making a plan that you didn’t anticipate. But sometimes that shift will open up a new opportunity to do something you’ve always wanted to do. Or, you may be more ready to retire than you think once you look at the numbers.

What about if you are given a lump sum instead of a pension plan when you get to retirement? The silver linings in that situation is all about control. The value of the lump sum can go to your beneficiaries if you pass away, whereas a pension plan would not. When you make a plan, ask if you can create the same (or more) income with the lump sum than you would have from a pension. Another silver lining, is if you have more liquid assets, then you may have more flexibility to make choices around your life and your wants.

In both of these situations, it may feel like a shock or setback at first, but you also have opportunity. It is worthwhile to sit down with an advisor to make a plan that best fits your needs and goals. Then ask yourself, what is it that you want to do right now?

Listen to the full episode or click on the timestamps below to hear a specific segment.

0:37 – You are being pushed into an early retirement.

1:34 – What to do with a severance package.

2:45 – A forced retirement may push you to find clarity.

3:24 – Sean shares a client example of someone who was able to map out an early retirement plan.

6:01 – What to do when you get the lump sum buyout instead of a pension plan.

7:32 – Two things to consider with a lump sum.


Looking Back From The Mountaintop


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For over a decade, Sean Lee has helped families reach and maintain their financial goals. As a trusted advisor, he coaches and assists his clients with their financial goals by focusing on the fundamentals and takes a practical and personal approach when working with them.

As a trusted professional in Utah, Sean has been featured in The Wall Street Journal’s Market Watch, The Deseret News, The Salt Lake Tribune and USA Today. He has also been featured as a local financial advisor on Utah’s NBC station, KSL 5.

Questions for Sean?



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