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it is time for better money joel johnson certified financial planner and managing partner with johnson brunetti is here and were talking about something important because a lot of companies stole these days theyre offering employees this option to take their pension as a lump sum now so how should someone decide what is right for them well theres a few steps they need to go through but again with many big financial decisions make sure you make the right one maybe get some outside advice from the right people not from your friends and so on that you know might give you bad advice a professional right and so dont necessarily make a decision immediately but make a decision fairly quickly because that will alleviate some of the worry and anxiety its a big decision companies want to want you to roll that money out many times it makes sense to roll that money out but sometimes it does not okay so number one you first have to ask yourself do i need the money at all i think most people s