ableaccessaccountaffectageaheadannualannuityavoidavoidingbackbeneficiarybenefitbenefitsbestbuybuyingcalculatecashcashflowchangescheckchoosingcivilianclientscolacollectcomecontributingcontributioncontributionsconversionconversionsconvertcostlycountcoveragecreditablecrucialcsrsdatedaydeathdecemberdeferreddelaydifferencedistributiondistributionsdivorcedondualearlyearningseligibilityemployeeemployeesendessentialestateestimatefactfeglifehbfersfinancialfindingflowfollowfridayfundsgetgoguidehappenshealthhighhomeimpactimplicationsimportanceimportantincomeincreaseinsuranceirajanuarykeepkeykimknowleavelifelikelimitationslumpmarketmarketsmaximizingmedicaremilitaryminimummissmistakesmoneymovingmramuchmustmythmythsnavigatingneednextoptionspaypayingpaymentpayoutpenaltypensionphaseplannersplanningpossiblepostponedpotentialpreparingprivateprocessqualifyquestionrerealityreallyreceiverequiredretireretireesretiringrifrightrmdsroadmaprollrothrulessavingssecuresecurityservicesicksmartsocialspecialspousalspousesrsstartstepstepsstrategiessumsupplementsurvivalsurvivortalkingtaxtaxesthingsthrifttimetimelinetowardtowardstraditionaltransfertrapstruststspunderstandingusingveravolatilityvoluntarywaitwantweaverwillwillswithdrawwithdrawalwithdrawalswithdrawingwithholdwithoutworkworthyearyears