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Indiana Lawyer Sarah Brinkley Launches Client Friendly Website

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Indiana Lawyer Creates Website That Mirrors ‘Client-Centered’ Philosophy

An Indiana Lawyer has launched a website, Brinkley Law, to compliment her client-centered approach to practicing law.

Indiana Business, Entertainment, and Defense Lawyer Sarah Brinkley has an uncommon approach to how she manages her client’s needs. Attorney Brinkley has created a website which is not only client-centered, but is extremely approachable and user-friendly.

“As a lawyer, I am privileged to serve our community and help Indiana residents with their legal needs. I want to make everyone’s experience with the legal system a pleasant and positive experience. No one should have to wait to speak to a lawyer. Brinkley Law’s website allows for immediate online appointment booking. Clients’ have 24-hour access to their files through their private online client portal, as well as direct access to their lawyer through a private messaging system.”

Sarah Brinkley is a partner at Brinkley Law who practices in the areas of business contracts, negotiation, and litigation, entertainment, and criminal defense. Prior to working at Brinkley Law, Sarah served as a Deputy Prosecuting Attorney aggressively advocating for the State of Indiana.

To learn more visit: www.brinkleylawllc.com.

About Brinkley Law

Brinkley Law provides superior client service by establishing excellent relationships between clients and our law firm. Brinkley Law professionals are results orientated and dedicated to serving your legal needs with integrity, quality service, and dependability. Our clients aren’t merely cases or files. They’re Brinkley Law’s reputation for excellence and quality legal service being built one successful representation at a time. Brinkley Law strive’s to add value to the attorney-client relationship by customizing each relationship to meet our client’s needs and goals. We pride ourselves on showing our clients how much better a client-focused law firm can be.

Pursuant to IN Attorney Ethics regulations: This posting is attorney advertising; please keep in mind that prior results do not guarantee a similar outcome.

Contact:

Brinkley Law Attorney
Sarah Brinkley
333 N. Alabama Street Suite 350
Indianapolis, Indiana 46204 
www.brinkleylawllc.com

Media Contact
Company Name: Brinkley Law
Contact Person: Media Relations

Phone: 317-643-1813
Country: United States
Website: www.brinkleylawllc.com

Ignyte TV Launches Channel for Sustainability Programming

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The cause-driven and educational platform is available on Roku, Amazon FireTV and Internet TV

LOS ANGELES – Feb 3rd, 2020 – Ignyte TV, a TV channel dedicated to sustainability, has launched on Roku, Amazon FireTV and Internet TV. The channel is cause-driven and educational, promoting sustainable practices. The aim of the channel is to connect its audience to social and environmental issues, as well as introducing ethical brands and products to consumers.

“Sustainability is arguably the most important issue of our time, perhaps of all time,” said Brigitte Perreault, Founder & CEO of Ignyte TV. “The challenge we face, however, is that drivers of change are widely dispersed. My goal is to elevate and accelerate the thought process towards climate change and sustainability and provide a central point of concentration on the full spectrum of sustainability topics for the widest possible audience.”

Perreault is a pioneer in the world of digital and transformational media, involved with humanitarian causes such as refugee resettlement, survivors of state sponsored torture, international adoption, and social and environmental impact projects. She is a recipient of the Human Dignity Award and serves on the Advisory Board of World Wide Women.

Programming on the channel includes a series about ways to help save the planet and adopting new habits, global initiatives, the plastic revolution, ocean conservancy, impact travel, a Spanish-language section, and more. The channel has the goal of converging industry leaders and creative forces in technology, circular economy, health, impact philanthropy, renewable energy, ethical fashion, youth empowerment, and social impact advocates, to provide a robust, cohesive and central platform. The channel has been endorsed by NOAA.gov

Ignyte TV also comprises an ethical market section for the promotion of sustainable, as well as revolutionary products and brands. Makers of such products can promote themselves on the channel. “For a sustainability model to work, it has to succeed on business terms,” Perreault added. “We will change the world if we can live in a global circular economy.”

About Ignyte TV

Ignyte TV is a television channel, now available on Roku, Amazon FireTV and Internet TV, that offers its audience a variety of video programming related to sustainability and environmentalism. The channel also includes a platform for sustainable products. Ignyte TV sees itself as a lens into the world of sustainability, a place where global citizens can have an impact on their own environments by adhering to new initiatives, new products, and by adopting new habits.

For more information, visit Www.ignyte.tv

Media Contact
Company Name: Ignyte Transformational Media
Contact Person: Brigitte Perreault

Country: United States
Website: www.ignyte.tv

Maynestreet.com Launches for WordPress Websites – The World’s First Digital Marketing Platform For WordPress Websites

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February 3, 2020 – Migrating your WordPress website to a more efficient and high-performance platform has never been easier as Maynestreet.com launches the world’s first digital marketing platform for WordPress websites.

From managed WordPress hosting to technical integration of marketing systems, (email, chat, payment processing…) Maynestreet provides turnkey technical services for WordPress websites. Having a professional manage your website & migration is very important because the integration process can be very technical. About 1/3 of all websites on the internet are WordPress. Of the 35 million+ live sites, 1/3 of those are ready to upgrade.

“With over 35 million websites on WordPress, moving your business website to Maynestreet is like an instant upgrade,” said David Mayne, CEO and founder of Maynestreet.com. “As we migrate your existing WordPress website into our structure, we will optimize it for Google connectivity and marketing performance,” he added.

The typical website maintenance fee is around $150 – $200 per month. Maynestreet’s plans start at $27.00 per month. Considering the huge difference in the hosting fee and maintenance, The Maynestreet WordPress platform is less than half of what companies usually charge for monthly website maintenance.

WordPress is still very technical for most people and it requires a lot of learning to understand various factors that make a website run efficiently. But migrating with Maynestreet means they will be doing the technical stuff for you, from set up and integrations to monitoring for security and performance. They will make sure that all your online marketing systems will work and put your website on a more independent platform while removing your dependence on website vendors.

A fully managed digital marketing platform for WordPress websites means you are free to focus on the things that really matter in your business. With an optimized digital marketing platform, Maynestreet guarantees to provide the best of breed of WordPress technologies and integrate your marketing systems for you. You simply focus on running your business while Maynestreet does the technical integration for you.

Maynestreet offers several options to cater to different requirements. They have a Solo Program for local businesses and personal brands.  With an awesome set of tools and options for your WordPress website, Maynestreet will connect your website to the Google services for a faster ranking within the search engine. The Pro Program on the other hand is a bit more advanced with an added eCommerce function, wider options and more tools and bigger hosting capacity. The Pro Custom is for those who want to tailor fit their digital platform requirements based on what they need for their websites.

Maynestreet also offers vertical market plans for nonprofit organizations, real estate and a growing number of other markets.

Media Contact
Company Name: Maynestreet
Contact Person: David Mayne

Phone: 702-381-2266
Country: United States
Website: https://maynestreet.com

So Clean Home Services Maintains High Standards for Exterior Maintenance Services in Maple Ridge, BC

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Start the year of with Trust and get help from a dependable company

2020 brings a new era of trusted service providers in your local areas.  Packed with heavy competition and a trust system through Google reviews and top industry providers like Home stars, Yelp!, BBB and Alignable make it easier to find your trusted source. Search for So Clean on all these sites and more with the best ratings.
 
So Clean has given justice to their name and continues to do so with a solid social presence and 5-star customer reviews. With an impressive 10+ years of providing the best home exterior services at competitive rates with the proper techniques of pressure washing and eco friendly solutions.

So Clean offers New Year specials on a wide range of cleaning services.  One of their highlights of the New Year offers discounts on Gutter cleaning services for home exterior maintenance.  This is for a limited time only so hurry to book the service. So Clean ensures proper flow in the gutter systems by making sure no debris gets left behind from premature blockages and drains are cleared.  The main services provided by the company include exterior cleaning of the entire building envelope like roof cleaning, gutter cleaning, siding and stucco washing, grounds and even some yard work maintenance. They have set the standard high in keeping home owners happy with zero incidences in over a decade, giving tough competition to other home exterior service providers.

Pressure Washing requires skill and dedication with respect to getting the work done properly or as clean as possible without complications. It’s a technique of cleaning by application of high pressure. Water is let out to surfaces at high pressures from pressure washer through pumps that are 100 times more powerful than a garden hose.  Trust the pressure washing maple ridge experts at So Clean.
 
Gutter Cleaning You might be thinking that keeping your roof clean is an easy job.  Well, you have not thought it through, especially regarding safety and proper knowledge of heights or the hazards of ladder operation and working so close to the edge.  Let the experts who are trained to do the activity take care of the roof cleaning.  They have experts with knowledge who uses proper safety and equipment.  Considering gutter cleaning must be done every six months to one year it only makes sense to hire a company who can be there for you and continue to get the job done right.  Trust the gutter cleaning maple ridge experts at So Clean.
 
For home owners in BC or surrounding areas of the lower mainland now is a good time to hire So Clean Home Services with heavy rains plus storms blowing in new debris also knowing the quality of work and attention to detail they can provide.

Technical services provided also includes plumbing and drain cleaning, Christmas lights installation, window cleaning, gutter repairs and leaf guard installations.
 
Roof De-moss or Roof Cleaners service includes a five-point inspection check.  So Clean will bring back life to a roof from its contaminants.  The company’s defense against moss comes with a 12-month moss free guarantee; no damaging pressure washers used protecting homes from structural deficiencies.  Trust the roof cleaning maple ridge experts.
 
Window Cleaning is a time-consuming and tiring job.  The more hateful part of the job when it comes to inexperience is that your efforts might go in vain.  After hours of hard work, your window would still show streaks and imperfections.  Cleaning windows is also a dangerous task that involves climbing ladders and hours of hard work.  So, just leave it to the experts.  So Clean, window cleaning maple ridge provides both interior and exterior window cleaning services keeping a good record year after year.  They are trained at hand cleaning windows leaving them with an unblemished shine.  Other materials like paints, stickers and grease stain from BBQ’s can be removed for additional charges.  The Expert home cleaners safely and with proper care run a special 3” razor blade on the surface while preventing scratches to effectively remove blemishes.
 
Plumbing and drainage cleaning is provided by the best professional in Maple Ridge.  The company has certified technicians with years of skill and techniques that eliminate clogged drain build up over the years and repairs pipes with minimal cost.  Trust the plumbing maple ridge experts at So Clean.
 
Plumbing and drainage service that are taken care of with So Clean Home Services includes:
 
• Leak Repair • Bathroom Faucets • Kitchen Faucets • Toilet Installation • Hot Water Tanks • Water Mains • Re-Piping • Sink Installation • Christmas lights. 

People often reach out to home-exterior service providers at the year-end to make their home perfect for Christmas.  So, interested in getting your Christmas light services, why not do it from the best one for the job.  So Clean does not limit their services to cleanliness alone.  These are the people you want to call to make your home look majestic during the holidays.  With installations of lights, the colors for every corner and the minute details will be taken care of by So Cleans expert handyman. Trust the Christmas lights installation maple ridge experts.
 
Reasonable Cost with best services. 

Any customer would be expecting the following from a service provider – reasonable cost, best quality with timely delivery.  So Clean makes sure that all the three wishes of the customers are met.  The cleaning experts employed by So Clean are technicians who have proven themselves in their respective areas with years of experience to add to their resume.  They make sure that homes, roofs, and windows look new after their service.  The company promises timely delivery of their services at the most reasonable and affordable costs while giving a guarantee for their services.  Anyone who wants to avail the services can make a call to the number given below and get an appointment for the Best home exterior service experience.   So Clean Home Services includes: Maple Ridge, Pitt Meadows, Port Coquitlam, Coquitlam, Port Moody, New Westminster, Mission, Abbotsford, Langley, and Surrey.

You can reach out to the number or email address provided below.
 
Website: pressurewashingbc.ca
 
WCB, Fully Licensed, and insured with 2Million Liability.

Media Contact
Company Name: So Clean Home Services
Contact Person: Media Relations

Phone: 778-239-8994
Address:22610 Hinch Crescent
City: Maple Ridge
State: British Columbia
Country: Canada
Website: https://pressurewashingbc.ca/

Dr. Brown Publishes a New Book that dives into a patient’s journey through plastic surgery

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Dr. Richard Brown publishes a book that dives into a patient’s journey through plastic surgery from start to finish!

Dr. Brown is pleased to publish his new book, “The Real Beauty Bible: Navigating Your Journey Through Plastic Surgery.” It’s a great resource for anyone who is considering plastic surgery. In the book, Dr. Brown educates prospective patients on plastic surgery and what they should consider before taking the plunge.

It teaches them how to determine whether surgery is a good option and what to expect financially. His book also offers an overview of what prospective patients can expect before, during, and after surgery. In addition, it highlights some of today’s most popular procedures and discusses the importance of board certification.

Dr. Brown strongly believes that cosmetic and reconstructive procedures can help men and women from all walks of life feel more confident and improve their quality of life. However, they should enter their plastic surgery journey confident that they’re choosing the best procedure and surgeon for their unique needs and desired results. He wrote his book to allow patients to do just that.

Order the book today!

You can find your copy on Amazon or through his website https://www.richardjbrownmd.com/.

If you have any questions regarding Dr. Brown’s new book or Dr. Brown’s practice, don’t hesitate to contact us. You can also call our Scottsdale or West Valley offices directly to schedule at (480) 947-2455. Dr. Richard Brown serves the Scottsdale and West Valley areas.

Media Contact
Company Name: The Real Beauty Bible
Contact Person: Dr. Richard Brown

Address:11000 N Scottsdale Rd Suite 100
City: Scottsdale
State: Arizona
Country: United States
Website: https://www.richardjbrownmd.com/

 

Health inspection cleaning services, by Janitorial restaurant cleaning services

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Janitorial restaurant cleaning services

Need assistance passing an eatery Health inspection? There is an organization that is an across the country organization. They spend significant time in profound cleans, They are called Janitorial Restaurant Cleaning Services. In the event that you have gotten a Health inspection infringement, you should take a stab at calling them before you have a go at going with your eatery staff. They have entirely moderate costs, and work in, cleaning under gear, degreasing floors, and cleaning kitchen hardware. They have truly reasonable costs for 7 days of the week cleaning.

 

Bistro audit reports are open record, anyway the structures balanced by controllers are expected to show up if a restaurant is in consistence with unequivocal state and close by rules, not to pass on clear information to customers. That is the explanation it’s basic to grasp the different sorts of encroachment and which ones are completely serious enough to shut a bistro down.

 

Most prosperity divisions segment examination encroachment into a couple of arrangements subject to the likelihood that the encroachment will incite a foodborne illness. The FDA has perceived five danger factors that extension the odds of a bistro making its customers cleared out: unseemly holding temperatures, lacking cooking, debased equipment, hazardous sources and poor individual neatness. Encroachment that incorporate at any rate one of those five danger factors are all things considered saw as real and must be fixed immediately.

 

In Florida, for example, there are three sorts of encroachment: High Priority, Intermediate and Basic. At the point when you investigate an examination report on the Florida Department of Business and Professional Regulation site, encroachment are named with their relating risk level. Principal encroachment may join anything from oil accumulated on an exhaust hood to holders of cooking oil being taken care of on the floor. Examples of high-need encroachment could be unrefined chicken taken care of on a cooler rack over an uncovered repository of lettuce, or extra organized sustenance being taken care of at temperatures more than 40 degrees Fahrenheit.

 

In the city of Denver, they issue Type 1 and Type 2 encroachment, in any case called essential and noncritical encroachment. (You can investigate a bistro’s examination history at the city’s Food Safety Inspection site.) Noncritical Type 2 encroachment as a general rule incorporate a notification from the analyst with the assurance that it will be fixed by the accompanying routine visit. Type 1 encroachment are a substitute story.

 

“With fundamental encroachment, we have to fix them legitimately there on area,” says Alison Peterson, a sanitation boss in the Denver Department of Environmental Health. That may mean modifying cooking times with the objective that chicken chests are totally cooked, or turning down the temperature in a cool storing unit.

 

In case the essential encroachment requires a type of upkeep, for example, fixing a separating cooler or presenting a submitted handwashing sink in the kitchen, the controller will return for an ensuing examination inside a few days. If a bistro fails to fix a fundamental encroachment, it might be fined.

 

There are a lot of super-certifiable prosperity code encroachment that could prompt a prosperity specialist to unexpectedly shut down a restaurant until the issue is fixed. Models fuse a nonattendance of high temp water on the premises, a bothering invasion. Contact Janitorial restaurant Cleaning services today

BOOK REVIEW My Story About PANS/PANDAS by Owen Ross

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Written by, Rachel Avery and Keri Bassman Ross

 

Reviewed by Erica @ Mobius

“Don’t ever think that miracles can’t happen, because they do. The understanding and acceptance of PANS, PANDAS, and other autoimmune encephalopathies have come a long way since 1998 when Dr. Susan Swedo, Scientist Emerita NIMH, first described the connections between OCD and neuroimmune illness. Since then we have seen a conscious movement of parents, patients, doctors, researchers, and advocates in this community that has brought about real-life miracles for so many; my own children included.” Wendy Nawara, ASPIRE, Founding Member

Children’s Nonfiction, Medical

Website: www.mystoryaboutpansandpandas.com

 

One of the hardest jobs a parent has is to deal with a child’s illness, and part of dealing with that illness is comforting the child. Every so often, a book is released that can bring solidarity to a child by reading a story about others that share in their plight.

In My Story About PANS/PANDAS by Owen Ross, Owen shares his experience of how he feels emotionally and physically. He tells his story with the help of Dr. Avery and his mother.

Owen describes his treatment and what can be expected. He makes up funny names for the pills he takes, as this adds a little humor to a serious disease, which helps him deal with the process a bit better. Owen gives lots of little tips to other children on how to handle scary things like blood draws and IVIG treatments.

My Story About PANS/PANDAS by Owen Ross is a cute little book with excellent illustrations that all will appreciate and enjoy! Owen provides inspiration and motivation for any child going through PANS/PANDAS. Owen stresses that even though he often feels alone, and no one understands him, his book will give any child with PANS/PANDAS the knowledge that they are not alone.

Although the book does not provide a glossary, a family with a child that has PANS/PANDAS should understand the lingo. If not, the co-authors provided a short resource list in the back of the book for those that are seeking more information.

 

About the authors: Owen Ross is a 10-year old boy whose hobbies include learning new tricks on the trampoline, skiing, and playing the piano.  With all he has been through, Owen’s kind heart and thoughtfulness have never wavered. Whether its Star Wars history, magic tricks, or a new song on the piano, his passion for mastering new things is remarkable. Rachel Robb Avery, Ph.D. is a Licensed Psychologist with over 30 years of experience treating children and their families. When your child can’t wait to go see her and comes out of a session belly laughing, you know you’re at Dr. Avery’s office. Keri Ross and her husband Todd love being parents to Owen and his two younger sisters.  Their favorite family activity is taking Mac, their golden doodle, to the dog beach and watching the kids run and laugh along the sailboat dotted shore.

My Story About PANS/PANDAS by Owen Ross is on track for winning multiple awards. The book has been reviewed over 10x. Cover art has been awarded a 4.5 star rating by Mobius. Goodreads rating avg. of 5 stars, Amazon rating 5 stars. Comparative title: Germs Make Me Sick, by Melvin Berger and In A Pickle over Pandas, by Melanie Weiss.

 

How to Adopt New Habits That Will Stick

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Are you struggling to change your behavior or life choices for the better? Good for you! Remember, though, that it’s natural that changing a habit takes time and can even seem impossible. Whether it’s losing weight, quitting smoking or taking up a positive attitude, it worth the effort. It is always a rough road and in many cases, you have tried everything and nothing seems to work. To help in your journey, here are a few tips that you might find useful.

Before we delve into the strategies that have proven to work, it’s essential to mention that everything is controlled by the mind. So, learn to condition your mind towards what you want to achieve, and truly make it a priority in your life.

  1. Set cognitive goals

The reason why a routine to workout daily fails is that the mind isn’t ready for the journey, even though the body is able and willing. This happens to all the habits you want to start or stop. To prepare yourself, and have a vision of what you want to achieve. Work out the kinks of how to get there. Explore all the options in your mind and have back up plans in case of any challenges. These are referred to as cognitive goals. Once your mind is ready, then the rest will follow.

  1. Set priorities

The next step is to have a list and prioritize. Chances are, there is more than one positive habit that you want to adopt. Getting there will, therefore, include changing some aspects of your life and even taking up new activities. In order not to be overwhelmed by the obstacles, a priority list will help. Starting with the most urgent and slowly move down the list will be a motivator. In addition, a priority list helps a positive habit stick since you can’t move to the next habit without mastering the previous.

  1. Be aware of harmful patterns

Negative habits aren’t always obvious to us, such as excessive drinking. Sometimes you have to dig deeper into your life to identify them. For instance, it could be spending too much time indoors with a “cold one” always nearby or hitting Happy Hours multiple times per week. Evaluate your lifestyle so that you can know where to start and what other factors are preventing the change you desire.

  1. Reward small victories

It’s never easy to break a bad habit. Therefore, any small step that proves to be a win deserves to be celebrated. At the same time, do not beat yourself up if you backslide to old habits or face a challenge. Instead, just keep the fighting spirit high and in the end, and you will conquer the bad habit.

These four points are a good start to adopt new habits that will stick and assist in breaking the bad ones. To create new habits, be true to yourself and be persistent to get past all the challenges. What you set your mind to do is what you achieve.

 

Here’s to your health!

For more information about Dr. Kevin Crawford, click below.

Top Orthopedic Surgeon in Lubbock Texas

Dr. Kevin Crawford

Enjoy life to its Fullest!

Sports Medicine Lubbock

Disclaimer:  This information is provided as an educational service only, and is not intended as a substitute for medical advice.  Anyone seeking specific medical advice or assistance should consult his or her doctor or orthopedic surgeon.

How to Estimate What Your Social Security Payments Will Be

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In 2019, the average monthly social security benefit for retired workers was $1,471.1 Whether this amount seems like a lot or a little will depend on your current income. Most financial advisors agree that you’ll need approximately 70 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living; however, if you have average earnings, Social Security payments will only replace approximately 40 percent of that income.2  If you have a higher income, this percentage will be lower, as the payments are replacing less of your previous earnings. If you have a lower income, the percentage is higher.2

Regardless of your pre-retirement income, most individuals will need to supplement their social security benefits through other means, such as savings, investments, or a pension. But how can you know how much more you’ll need if you want to live well during retirement? To understand how to best prepare, you can start by estimating what your Social Security payments may be. 

What is the PIA Formula?

If deciding to receive benefits at the normal retirement age, the “primary insurance amount” (PIA) is  the monthly benefit you would receive.3 For those eligible in 2020, your PIA is the sum of three different portions of your average indexed monthly earnings (AIME):4

  • 90 percent of your first $960 average indexed monthly earnings 
  • 32 percent of your average indexed monthly earnings between $960 and up to $5,785
  • 15 percent of your average indexed monthly earnings over $5,7853

To find your average indexed monthly earnings, you’ll need the years with the highest indexed earnings from 35 years of earnings, which you can find on your Social Security statement. Once you have those high-earning years, you can find the average, which is your AIME.4 

How Can I Estimate My Retirement Benefits? 

Once you have your AIME, you can calculate the percentages of the three different sections of your AIME and add them up, based on the PIA formula. You can also receive an estimate by creating a personal Social Security account with the Social Security Administration. 

However, bear in mind that your actual benefits may look different from your estimate. This is because laws regarding benefit amounts may change and your earnings may continue to alter over time. In addition, your benefits will be adjusted for living costs at the time you start receiving benefits.5

3 Factors That Impact Your Retirement Benefits

1. Lifetime Earnings

Since your benefits are a sum of percentages based on your earnings, higher lifetime earnings mean higher benefits, whereas lower earnings, or gaps in earnings, results in lower benefits.2

2. Age

If you opt to receive benefits before your full retirement age, your benefits will be lower. On the other hand, if you wait to receive retirement benefits until after your full retirement age, your benefits might be higher.2

3. Employment

Paying for social security looks different for those who are self-employed, work for a federal, state, or local government, or work outside of the United States.2 If you are in one of those categories, it’s important to understand how this may affect your benefits during retirement.

Preparing for your post-work days may also look like reflecting on what you want your lifestyle to be during that time. By estimating your Social Security payments, you have a better idea of the other steps you might need to take, such as opening a retirement savings account, so you can experience your envisioned retirement.

  1. https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf
  2. https://www.ssa.gov/planners/retire/r&m6.html
  3. https://www.ssa.gov/oact/COLA/piaformula.html
  4. https://www.ssa.gov/oact/progdata/retirebenefit2.html
  5. https://www.ssa.gov/benefits/retirement/estimator.html

This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Retirement in the U.S.: A Brief Primer on Pensions

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Retirement in the U.S

Many millennials have never encountered or learned about the security offered by a pension plan but they are often referred to as something to lean on during retirement. The question is, why are pensions seemingly disappearing and what are the odds that we will experience them again in our lifetime?

Due to the higher cost to employers, pensions are becoming less and less popular, especially for non-government employees. For a variety of reasons, it’s more common that 401(k) plans are offered in the workplace. Employers will typically offer either a pension or a 401(k) – making it likely that you would have to choose one or the other. Either way, it’s helpful to know the key differences and similarities involved with these options. 

What is a Pension?

A pension is often used to refer to a retirement plan option, of which there are two types: a defined contribution plan and a defined benefit plan.  

1. Defined Contribution Plan

A pension in which an employee, employer or both contribute to an employee’s retirement plan is considered a defined contribution plan. This may sound familiar if you’re well-versed in 401(k) plans. These plans rely on the returns of investments that are chosen within them. 

2. Defined Benefit Plan

More commonly referred to as a “pension” is a defined benefit plan. These offer automatic payouts within retirement, based on a formula that takes into account details such as your salary and years of employment.1 

Pension vs. 401(k)

Considering that pensions are becoming a thing of the past, it’s important to understand why the change is occurring and what the differences between these plans may be. The most notable of which is that 401(k) plans are defined contribution plans while pensions are defined benefit plans, as noted above. 

With a 401(k), you’re able to contribute a dedicated amount of money throughout your career and you can withdraw the money however you’d like within your retirement. On the other hand, a pension plan allows you to receive guaranteed payments following your retirement, up until your death. 

With pension benefits, you are typically well aware of the amount you’ll continue to receive for the rest of your life. Whereas a 401(k) plan alters the amount you have in retirement, depending on how much you have contributed during your employment. 

Maintaining a guarantee of lifetime income means that many prefer pension plans over 401(k) plans. Alternatively, some may prefer the increased control that coincides with a 401(k) or is employed by someone who sees pensions as too costly. 

Achieving a Successful Retirement

When all is said and done, there are benefits to both pension plans and 401(k) plans. If you have a 401(k) it’s important to contribute as much as you can to prepare for your future retirement. Maxing out your employer’s match is a great way to put yourself ahead of the curve. If you’re someone who is interested in a pension plan but your employer doesn’t offer it as an option, consider helping them research the costs of such a plan and the potential benefits over alternative plan options. 

Retirement preparation can be confusing and overwhelming, which is why it’s important to remain informed about your options and changes that are taking place. Talking to a financial advisor is a great way to gain more insight and understanding about the details of your finances and explore the possibilities available to you. 

  1. https://www.dol.gov/general/topic/retirement/typesofplans

This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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