Hello I wonder if I can ask for some general advice from the lovely people who populate this board please? My husband and I have been teaching for 34 odd years each - ( me mostly part time – he full time) and we are planning to retire together next Summer, 2020 . He will be 58 and me much younger at late 57 We were planning to live on my pension and lump sum ( and some extra work if needed) until he turns 59 and 11months when he plans to take his ARP ( conscious of him wanting to earn after 60 ). We find the CPI and mathematical manipulations extremely challenging to work out – despite the generous contributors and explainers on these subjects from these boards- so just wanted to ask – if we can live on my pension for the extra 21 months , is it worth gaining the extra ARP percentage to get him to 59 +11 ( 99.8 % compared to 92.2% ), or when balanced against his falling final salary figures, should we take it all when we leave teaching and run? There has been no change in his position for many years so this aspect does not affect his last 10 years salary. We are just inside the tapered members scheme so can’t see that we will be affected by the Career average scheme. I have emailed a Union Pension advisor but am still waiting for a reply so am just putting it out there for any of your thoughts please. We would approach a specialised advisor if you think this is too complicated as well, so please any kind advice would be welcome. Warm regards and Happy Easter !