Now he just needs to determine how much to take as a pension, and how much to take as as tax-free lump sum. Now this is not an arbitrary decsion... one wants to be comfortable, yet have flexible options for the future. He called his brother-in-law as a sounding board and got some good advice.
Now, the sums have been done. The tax implications have been considered. The monthly and annual budgets have been estimated. Now Gorse Fox needs to sleep on it and revisit all the calculations tomorrow.