Retirement is fast approaching and you have a good plan laid out for what you want to do with your time, but the financial resources you need to make those retirement dreams a reality—like a new RV, a vacation home or relief from your debt—aren’t available. Debt is one of the biggest problems facing working Americans and retirees alike. Wiping the debt slate clean can make the retirement a dream, rather than a nightmare filled with anxiety and stress. A pension is a contract between employee and employer about how monies will be exchanged once employment has successfully been completed. Funds are accumulated, tax-free, annually based upon an agreed amount paid by the employer and possibly employee. Interest and other financial incentives help raise this retirement amount. This money becomes available to the employee as monthly payments upon the date of retirement. Retired employees planning on retirement can access their accumulated retirement amount through a loan for pension program. These programs are designed to effectively transfer money from the pension in the form of a lump sum cash advance. A loan for pension program is a smart way to get financial reserves at today’s rates. Money depreciates over time, and having the financial resources available to make decisions and improve your position makes much better sense than borrowing money for 10, 15, or even 30 years at potentially much higher credit rates. A simple credit card rate may cost as much at 20 percent. State pension loans or a UPS pension loan can make it possible to get a cash advance today and make your financial security a possibility.