Highly recommend you contact the alpa office and get a retirement analysis plan with the schwab CFP. (it's free- or paid by alpa/schwab).

Just did it and it was very insightful- a true good news story. However if you took out the pension it would be a Significantly different story that can't be overstated. Your financial life in retirement would be significantly adversely affected, unless you had another $2M stashed outside of your B fund somewhere.

She will show you how your spending goals are achieved and by what sources, and how your nest egg will continue to grow or contract based on withdrawals. You will see that your DB plan will be the source of 50-65% of your spending sources, with SSC and your DC plan making up the rest. retirement inc sources.JPG The purple bars is the annual DB plan source. yellow is DC plan. If you took out the purple the yellow would be much bigger- until it ran out!