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Annual return and cash sum

Currently coming up to the age of 65 and have a number of defined benefit pensions and state pension that will take me into higher tax range, have been offered part lump sums which would of course reduce the annual pension sum but what is the optimum reduction to take a £10,000 reduction being a £160,000 sum and a £1,600 reduction being a £21,000 sum as examples.
Any ideas please
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