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so youre at retirement and youre giving your options in selecting your defined benefit contribution pension plan this can be super overwhelming there could be up to fifteen different choices between what pension among you want to choose and how much survivor benefit you also want youre supposed to have so something that I want you to think about is this strategy in order to get more money and more cash flow in your pocket today and be able to protect your spouses income should you pass away so Ive got a real example here and if a person was to choose the one hundred percent survivor benefit to their spouse should they pass away the monthly income from the pension plan is five thousand and eighty five dollars now if they were to select no survivorship pension the monthly amount would be five thousand six hundred and sixty nine dollars so whats the spread between zero to a hundred percent to your spouse the spread is five hundred and eighty four dollars a month so what the pension