V
Vultch
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V
Vultch
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It neither helps nor hinders 
It simply means that there may be no-one on here that can answer your question. Realistically you need answers from someone in either the UK or Germany. Just to note, one option you have not considered is your wife moving the smallish pension you are talking about to Germany.
It simply means that there may be no-one on here that can answer your question. Realistically you need answers from someone in either the UK or Germany. Just to note, one option you have not considered is your wife moving the smallish pension you are talking about to Germany.