There is a conversation you should have with your financial planner as early as possible—not as close to retirement as possible.This essential conversation is about the reverse pension max.In this episode, Justin Bennett explores different pension options for married couples. But he takes it a step further by discussing overlooked scenarios that could greatly impact payouts down the road. For instance, Justin explains the potential outcomes for couples who choose a joint and survivor pension. If the non-pension spouse passes away first, how much income will the surviving spouse be left with? Would it have been better to do a reverse pension max.?Related: Have You Considered This Retirement Risk? These are complex questions, but Justin has a way of bringing simplicity to these conversations.