...this service provides a detailed analysis of your retirement calculation from your employer retirement plan!

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• With limited exceptions, Normal Retirement Age (NRA) cannot be later than (and usually is) age 65.
• A participant cannot be required to retire, nor can benefit accruals cease, upon the attainment of NRA.
• Benefits must be 100% vested when a participant reaches NRA.
• Often, an actuarial reduction is applied to an Early Retirement Benefit, that is, a benefit that begins before Normal Retirement Age.
• If you work beyond NRA, an actuarial increase must be applied to your benefit for late retirement or late commencement unless you receive a Suspension of Benefits Notice.

Our service provides a detailed review and evaluation of the components that determine your retirement benefit, for example, final average salary, credited service, early retirement factors, and actuarial factors that convert your monthly retirement benefit annuity to an optional form of benefit.  This examination is based on the available information including Summary Plan Description (SPD), the retirement Plan Document, and the retirement benefit calculation provided to you by your retirement Plan Administrator.   Your retirement calculation is evaluated based on the Actuary's interpretation of the retirement plan provisions, federal pension law (ERISA) and your employment history data.

You will receive consultation and a Pension Benefit Evaluation Report which will detail the results of the Actuary's review.