Hi. I am unsure of how my pensions work. I’m 54 and my final salary pension finished in terms of contribution a few years ago and now I’m on the teachers new pension career average. Does my final salary effect my final salary pension. Ie. Is it the best three years in the last ten from when I retire or from when the final salary pension finished two years ago My salary has dropped in the last few years significantly as I resigned my SLT commitments. Does this mean I will have to opt out at a certain time in the next couple of years to ensure i optimise my final salary pension.