Only 2% of Americans have both a pension and $1 million or more saved for retirement. If that is you, welcome to the 2% Club! This book was written for you. It's dedicated to all the American heroes who've lived a life of service, and the blue-collar professionals who've worked hard and saved diligently for decades. In this book, you'll learn how to: Simplify and optimize your retirement with the "5 Pillars of Pension Planning"Enjoy the full value of your pension (it may be more valuable than you think)Decrease your tax bill through strategic Roth conversions and smart withdrawal planningPlan for pension options such as lump sum options and survivorship optionsOptimize Social Security and protect your wealth from Medicare premium increasesEnjoy your retirement and spend more money (many in the 2% Club struggle with spending money)Create a legacy that benefits your family and favorite charitiesHaving a pension puts you in a rare financial position that requires advanced planning. Thisbook will help you become a better steward of what you worked so hard to build. You've alreadydone the heavy lifting. Now it is your time to retire with peace, purpose, and a plan.