Hoping for some wisdom from those who have trodden this path before; I’m a couple of years older than NPA, full service history (sounds like an old Vauxhall!). Still enough enthusiasm and energy to keep teaching but with reduced days. If I were to reduce to 3 days would it be preferable to take benefits and then ensure that salary plus pension do not exceed salary of reference, or delay drawing down benefits and continue to pay into pension pot? Current best three consecutive years are Oct 09 to Oct 12. Any advice please?