"At least weekly, I see a headline about pension plan ‘de-risking.’ Generally, I don’t deal directly with pension plans. Can pension de-risking impact my practice and, if so, what are its potential effects?"
"My client elected a lump sum payment from his traditional defined benefit plan, but received a letter telling him he could not take a lump sum payment because he was a “restricted employee.” The plan says lump sums are available. Could you explain what this means and provide options for him?”