A happy new year to you all (when we get there). I know this has been discussed before (though not for a while) but I would really appreciate some fresh thinking on this. I retire at Easter next year aged 59 years and 1 month. As I have been a primary Headteacher for a long time I will have an excellent pension. I am retiring slightly early because the reduction at age 59 is not worth worrying about and, frankly, I would like new challenges - including on the golf course! Anyway, I'm just wondering whether to take full pension and basic lump sum or max the tax free lump sum by 25%. I'm leaning towards full pension but would be interested to hear what folk did or are planning to do. Many thanks.