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The United States Army Old Guard Fife and Drum Corps march during a full military honors parade to welcome visiting South Korean President Park Geun-hye, Thursday, Oct. 15, 2015, at the Pentagon. (Photo: AP)

Under the new military retirement system just approved by Congress, service members will have to make a choice few of them are prepared for: Whether to take traditional pension checks or opt for a lump sum that’s worth up to half of what the pension benefit would bring.

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