{"id":278171,"date":"2025-06-07T00:29:30","date_gmt":"2025-06-07T00:29:30","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/the-big-pension-question-should-you-commute-your-defined-benefit-plan\/"},"modified":"2025-06-07T00:29:30","modified_gmt":"2025-06-07T00:29:30","slug":"the-big-pension-question-should-you-commute-your-defined-benefit-plan","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=278171","title":{"rendered":"The big pension question: Should you commute your defined benefit plan?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Thinking about commuting your pension? In this <em>Coffee Break<\/em>, we break down what you need to know about commuting a defined benefit pension, including the risks, opportunities, and real-life implications of this major financial decision. Certified Financial Planner Ashley Gordon joins us to explore the key question: Should you take the commuted value of your pension or stick with the traditional monthly income? We discuss who typically faces this choice and the critical factors to consider. To bring it all to life, we walk through a case study of a 62-year-old teacher deciding whether she should take the lump sum or rely on the lifetime income provided by her plan.<\/p>\n<p> &#13;<br \/>\n    <iframe loading=\"lazy\" title=\"Commute Pension or Not? What Every Canadian Needs to Know\" width=\"840\" height=\"473\" src=\"https:\/\/www.youtube.com\/embed\/rnlCC8AwyUs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe> &#13;\n  <\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Thinking about commuting your pension? In this Coffee Break, we break down what you need to know about commuting a defined benefit pension, including the risks, opportunities, and real-life implications of this major financial decision. Certified Financial Planner Ashley Gordon joins us to explore the key question: Should you take the commuted value of your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[13716,1022,25921,40371,21417,10933,4112],"dealstore":[],"offerexpiration":[],"class_list":["post-278171","post","type-post","status-publish","format-standard","hentry","category-investing","tag-benefit","tag-big","tag-commute","tag-defined","tag-pension","tag-plan","tag-question"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The big pension question: Should you commute your defined benefit plan? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=278171\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The big pension question: Should you commute your defined benefit plan? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Thinking about commuting your pension? In this Coffee Break, we break down what you need to know about commuting a defined benefit pension, including the risks, opportunities, and real-life implications of this major financial decision. Certified Financial Planner Ashley Gordon joins us to explore the key question: Should you take the commuted value of your [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=278171\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-07T00:29:30+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=278171#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=278171\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"The big pension question: Should you commute your defined benefit plan?\",\"datePublished\":\"2025-06-07T00:29:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=278171\"},\"wordCount\":133,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"keywords\":[\"Benefit\",\"Big\",\"Commute\",\"Defined\",\"Pension\",\"plan\",\"Question\"],\"articleSection\":[\"Investing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=278171#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=278171\",\"url\":\"https:\/\/fivemor.com\/?p=278171\",\"name\":\"The big pension question: Should you commute your defined benefit plan? 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