Your Concordia Retirement Plan pension benefits, along with the benefits you will receive from Social Security, will provide you with a great foundation for your retirement income. However, a healthy retirement income incorporates personal savings. There are so many unknowns – longer life expectancies, increasing medical costs and inflation over time — that can put a strain on your household finances. That’s where personal retirement savings helps. You can use your savings to help counter some of those unforeseen expenses.