Uneven pension provisions for my wife & I

crv1963

bolwin1 said:

I'll discuss this with her at length and also potentially take on a suggestion made by another poster and leave instructions with her to purchase an annuity with at least some of the SIPP if I was to die first. I may also suggest she uses an IFA to advise in that scenario, especially as they can often get better annuity rates than the general public.

I hope that you manage better than I do. My wife glazes over and tells me to just give her the bottom line- how much and for how long going in, followed by how much income does that give and for how long? So when we do retire we will combine her various pots in one place, draw an agreed monthly income, the 25% TFLS will go into savings, ISAs and SP easily understood, as is DB Survivors Pension. 

For assurance I have asked on of my sons to support and help in the event of my demise, I have left a list of what is where and contact details of provider including my NHS Pension. Alternatively she could ask one of our nieces to support her with it all.