I stand corrected.
If the current rules ( that you have a choice of averaging or TCA) are the same in 2043 when the OPs and his wife retire, they can each pick and choose which approach gives them the best pension, but none of us can predict this. I doubt if it will be the same.
If the current rules ( that you have a choice of averaging or TCA) are the same in 2043 when the OPs and his wife retire, they can each pick and choose which approach gives them the best pension, but none of us can predict this. I doubt if it will be the same.