This week we answer two listener questions:

- Alison asks what she should do with her extra cash flow now that her credit card and auto loans are paid off.

- Dan asks if he and his wife should take a lump-sum pension buyout offer or stick to monthly benefits.

Join Chris as he explores the pros and cons of Alison & Dan's decisions.

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. Those options include Leave the money in their former employer’s plan, if permitted; Roll over the assets to their new employer’s plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.