Lealta Vested Benefit Foundation offers the possibility of depositing pension assets on a vested benefits account and investing them as required. Once you reach normal retirement age, you may withdraw your retirement savings capital. In that case, you will be taxed once. Therefore, it makes sense to have two separate vested benefit accounts: one with Lealta, the other with Liberty. By subdividing the withdrawals into two smaller, separate amounts, you can generally reduce the tax progression rate.