In more than half of U.S. retiree households, at least one person collects a defined benefit (DB) pension. About 35 percent of today's workers participate in DB pensions, and among public sector employees about 60 percent do.

Now, some of your clients are starting to ask: "How much retirement income can I realistically count on from my pension?"

It's a relatively new question in the financial lexicon. Advisors are just starting to address it.

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