Daily Gains Letter


To make sure you’re on track for a secure retirement it’s important to understand your retirement plans and set goals. Retirement income comes from three different sources: Social Security, investments, and pension plans.

A pension is a contract for a fixed sum that an individual and employer regularly pay into.  The pension is then paid regularly to a person, typically after retirement.  At present, only 50 percent of the U.S. work force is covered by an employer-sponsored pension plan; unchanged over the last three decades.