Hi, I'm approaching retirement and forward planning. I'm a year+ from NPA of 60. Final salary scheme. I've been through my projected income calculations as follows: If I go 0.6 - phased at a few months before NPA I would get 0.6 of my salary which is then taxed as normal, it pays NI as normal, and I would continue to pay pension contributions on this component of my income (8.6%). I used this: https://incomeaftertax.com/uk Additionally I would/could get 75% of my pension. This is taxed at 20% ish but there are no pension or NI contributions on this part of the income. Given the above and assuming a phased retirement start four months before my NPA it seems that I'd be bringing home (after all taxes) £300 a month MORE than I am actually earning full time at the moment. Question - is this possible or will someone step in and say you can't do this and you'll have to take a smaller percentage of my pension (as an example)?