A major change to your possible future pension and cashflow after a lifetime of service.
An online calculator that has flaws. An advice package that doesn't even try to look beyond your present salary level. An admin empire that will have great problems sorting out real advice for you.
A possibility of another change in the near future.
Never mind, read the possibly flawed advice and make your decision. Get it wrong and tough, you cannot change, it's your fault, you made the decision.
Man management????? It makes you want to weep.