RE: Evening all…17 May 2022 22:07
OB,
You've mentioned two modest final salary schemes. It is possible to get a CETV (Cash Equivalent Transfer Value) from your provider, You could use that to top-up your SIPP and open one for your wife.
This option might provide enough cash for you and your wife (at 55) until she can draw her pension.
You'll need an IFA and over £30,000 CETV value, plus there will be fees - assuming they'll recommend you do it (they might suggest you wait until 55).
Good luck!!