Texas Retirement Choices Explained So Simply!

🎯 Episode 6: Pension Choices in a Recession — What Retirees Need to Get Right

Choosing your pension payout isn’t just a checkbox—it’s one of the most permanent, high-stakes financial decisions you’ll make in retirement. And during a recession? The risks of getting it wrong multiply.

In this episode, I walk you through what every TRS, ORP, and ERS retiree needs to understand before signing on the dotted line:

✅ The 3 most common pension mistakes retirees make under pressure
✅ How to weigh survivor benefits, lump sum options, and COLA limitations
✅ Why TRS doesn’t offer guaranteed inflation protection—and what that means long-term
✅ What questions to ask before finalizing your pension decision
✅ How market volatility, inflation, and legislative changes (like Texas DOGE) affect your pension choice

I also share how we use a rules-based framework at Houston First Financial Group to help retirees evaluate their pension within the entire income strategy—so they’re not making decisions in isolation.

If your pension paperwork is due soon—or you just want clarity before you lock in your choice—this video is for you.

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