 919-415-1716, 919-415-1716, or text COACH to 600-700. Coach, what should our approach be now with so few pensions in the private sector? Your pension is your 401k. We can pensionize that 401k with income streams, but you have to put the money away first. I know the 401k doesn't offer that most of the times. They have a lump sum, but what we do is then we roll that money tax-free into your own