Pension Plan Participants:

You are facing one of your most important retirement decisions. “Should I elect the Lump Sum or select one of the monthly Annuity options?”  For years, we have been building something for you, for this very moment. Retirecode exists for this very reason: to help you answer these burning questions!

The Problem

Pension Plan participants nearing retirement have a HUGE decision to make, while most have no solid data to compare their options.  Meanwhile, unequipped financial advisors often default to the Lump Sum for the same reason. Most pension elections are irrevocable, so it is critical to get it right.  Understanding your pension options is the first step to making an informed decision!

As a plan participant, you have several ways to go about getting your data.  As a financial professional, you have clients and prospects who need your help.




Our financial comparison tools will give you world-class analyses instantly and correctly so you can protect your loved ones.


Your analysis data is securely backed up in the cloud for easy retrieval. Use our AdvisorSync technology to share your data with your favorite advisor.

Simple, Yet Powerful.

LSVA 3.0 is the third and most powerful version of our Lump Sum Vs. Annuity analysis program.  We make it look easy, but thousands of calculations are made in the background every time you change one of the variables, instantly displaying your results!  LSVA 3.0 is the most comprehensive pension benefit analysis tool on the market!. We know, because we couldn’t find one for our clients, so we built our own!

Start with Your benefit statement

At this moment, you may be studying your benefit statement that lists your options. So often, employees assume the lump sum payment is better.  That is not always the case!


Once you have entered your data into LSVA 3.0, you will be just clicks away from comparing different benefits, entering hypothetical life expectancy estimates and viewing valuable information to help you with your decision.


Securing your family through your retirement is your biggest decision. We make it easy. Here are just a few of our features!


Submit your results to a financial advisor for their review and recommendations.

unique to you

Your age, life expectancy, and your attitude about investment risk will reflect YOUR data in a way unique to you! 

expert help

Call on us if you get stumped. We will be happy to answer your questions and get you back on track.

Clean Code

Our software has been tested hundreds of times. We even show you how, to give you even more confidence in the calculations.


One of your options will be the best fit for you and your family.  It is almost impossible to know which one without this analysis.

Free Updates

New Charts, new Benefit plans as they roll out – Free forever.


Roger Walker is a financial advisor, founder of Retirecode and creator of LSVA 3.0.  This journey began in 2015 when Roger was conducting pension seminars to employees of Fortune 100 companies to assist them in understanding their pension benefits and retirement options. The most common question asked was, “Should I take the lump sum, or one of the pension options?”  There were no resources available to help plan participants answer that question, so Roger set out to build it.  Since then, he has partnered with Dan Strong, a sought after trainer/speaker, and the creator of best selling online Udemy programing courses. 

“Retirement is wonderful. It’s doing nothing without worrying about getting caught at it.”
-Gene Perret

“Don’t act your age in retirement. Act like the inner young person you always have been.”
-J.A. West

“Retirement is the time when you never do all the things you intended to do when you’d have the time.”
-Laurence J. Peter

OPTION 1 (subject to availability)

FREE PENSION CONSULTATION Lump Sum vs Annuity 3.0 – RetireCode Package

The Lump Sum vs Annuity DFY (Done For You) Package includes:

FREE RetireCode Consultation Package. Do you want to get answers quickly without having to learn the ins and outs of a new software suite? A RetireCode representative who is also a registered financial advisor will conduct an analysis for you, using your pension data.  He/She will help you understand the results of your reports and provide you with the information you need to make an informed pension decision. This option is ideal for those who do not already have a financial advisor, or who wish to work with an advisor who is experienced with our software.

Included in this package:

  • Initial telephone meeting for introductions and to gather your pension data
  • A Registered Financial Advisor will conduct your analysis
  • Results will be presented to you via web meeting (Zoom)
  • Free bonuses for all participants!
  • This is a limited offer, based on availability of appointment times, so if you are interested, please act fast!



Option 2 

Retirecode Lump Sum vs. Annuity – Software and Training

The Lump Sum vs. Annuity DIY (Do It Yourself) Package allows you to get your hands dirty.  That is, you can get into the nitty- gritty analysis of your pension options, running as many scenarios as you wish!

Purchase, Install and run the LSVA 3.0 Software – DIY Package. Are you a “numbers” person?  If so, this is the perfect option for you.  Plug in your pension benefit data and run your own analysis.  We won’t leave you hanging though.   You will receive video training materials and we’ll be standing by to answer your questions.  Once you have completed your analysis, the software has a feature that allows you to share it with your financial advisor or one of our financial advisors for input.  This option is perfect for you if you have a knack for number crunching but don’t want to spend three years (like we did) building a tool!

Included in the sofware package:

  • Our Flagship LSVA 3.0 single lifetime software license
  • Unlimited scenarios
  • Share with advisor feature
  • Software Training Videos in the My Training section
  • Lifetime Software Updates
  • Secure Cloud storage for easy account retrieval
  • Installs easily and quickly!
  • Instant Access to RetireCode Member Resources!
  • Access to All Reports and Charts In LSVA Dashboard!
  • Free bonuses!
  • 78% discount off of list price