i am 61, came to teaching late. I currently have 21 years service, if I took my pension now I would have £11000 according to my pension statement online. I’m in final salary and will receive full state pension at 66. I have had a fairly recent promotion to LT 4 ( nearly a year ago). Which I would keep, I have been told I can remain as a member of SLT. My Head teacher is keen for me not to retire ( couldn’t afford to anyway) but has said he would be happy for me to reduce days/phased retirement. I love my job and school, i’m not ready to retire yet, but I really would like to drop a day in September. I’ve read all through your helpful posts and still can’t get my head around what to do for the best. Ideally I would like to fully retire at 64 but then I need to fill the gap until my state pension kicks in. Should I just drop a day and take my pension at 64 or take phased retirement? For example, drop one day this September, then another next year ........... I am worried about the effect on my final pension! Thank you, all and any suggestions would be very welcome indeed. Seffie Ps I don’t have a mortgage and own my own home.