Big Picture Retirement

Cooperative Pension Solutions

Informed Retirement Decisions

Helping people plan where, how and when to retire by outlining and quantifying the costs of a variety of retirement scenarios to help them make value-based trade offs between retirement age, location, lifestyle and degrees of financial security. 

Reduced Actuarially Required Contributions

Empower employees with fixed-benefit pensions to retire on-time and with only what pension benefits they need.  In doing so, employers save Actuarially Required Contributions (ARC) for each year early each legacy employee retires.

Fewer Retired-in-Place

Too many employees with fixed-benefit pensions unnecessarily delay retirement and maximize pension benefits in fear of not having enough retirement income.  These "retired-in-place" employees have low engagement at work and may opt to retire if made aware of their options to retire elsewhere with the same or better standard of living for much less.

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Peter Cyr


Big Picture Retirement, LLC

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