GS - of course she has to trust that you won't do the same...

GS - of course she has to trust that you won't do the same yourself..lol

MK - do you mean that if 2 accounts are consolidated that it would dilute the tax-free portion by drawing the same (higher) pension, which would come proportionally from the 2 components? Or do you mean it is diluted upon consolidation, as I don't think that is correct.

Just wanting to clear the air.

Cheers mate