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Should You Take the Commuted Value or Stay With Your Pension?

Clear guidance for Ontario public sector employees facing a lump sum pension decision.

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  • Compare lifetime income: lump sum vs pension

  • Understand tax and transfer implications

  • See how interest rates affect your commuted value

  • Know what happens if markets underperform

Review Your Commuted Value Options

Understand your options clearly before you decide.

No obligation. Confidential. 1–2 day response.

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40 Years of Fowler Financial

Backed by 40+ years experience.

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Client Story: Commuting a pension

Some people value the flexibility of a lump sum. Others prefer the security of a guaranteed pension. The key is understanding the trade-offs before you decide.

 

When people feel stuck waiting, stress builds.
The question becomes: how much longer do you want to carry that weight before you explore what’s possible?

Barry Fowler, Financial Coach

We help 

Nurses · Teachers · Police · Firefighters
University Faculty · Federal Employees
And other Ontario public sector professionals

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© 2026 Fowler Financial.

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