Have heard tell there comes a point that commuting (sp?) is not a sound financial decision and you are beter off accepting your pension and lump sum as is. Any dosh meisters out there who can advise? 5 years commissioned service from the ranks, aged 47, about 26 years reckonable service, AFPS 75, non PA/PES(A).......(Ron, I'm with you on this one, prime reason I'm off).