 This is Kevin Zivna, co-host of Dollars and Common Sense, with your financial planning tip. If you're approaching retirement and have a pension, you need to give serious consideration to the single life or joint survivor option. By choosing single life, the payments stop at your death. If you choose joint survivor, payments continue as long as either spouse is living. This decision is irrevocable, so choose carefully. This is Kevin Zivna of Wealthway Financial Advisors, planning for life. Wealthway Financial Advisors