Jill on Money with Jill Schlesinger How to Handle My Pension Options
6 snips
Mar 4, 2026 Listeners hear lively takes on prenup alternatives and keeping money separate. High-earner retirement timing and withdrawal sequencing get practical attention. Tax-smart use of pre-tax 403(b) funds between retirement and age 70 is explored. Advice on whether to move retirement accounts and consult a CFP is discussed. The pension annuity versus lump-sum tradeoffs are weighed.
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Have Money Conversations Before Marriage Not Just Prenups
- Do encourage engaged couples to have explicit money conversations before marriage.
- Jill advises asking the couple to discuss money management and consider keeping accounts separate to avoid future commingling disputes instead of immediately pushing a prenup.
Keeping Money Separate Can Mimic A Prenup
- Insight: Not commingling assets can functionally achieve many of the protections people seek from prenups.
- Jill explains encouraging money conversations and keeping accounts separate in lieu of a formal prenup can preserve individual assets under matrimonial law.
Use Pre-Tax Withdrawals To Bridge To Delayed Social Security
- Do plan withdrawals from pre-tax accounts between early retirement and delayed Social Security to manage taxes.
- Jill suggests using the 63–70 window to withdraw from the $1.2M 403(b) (e.g., ~$100K–150K/year) while delaying Social Security to 70 to reduce long-term tax pain.