"Your pension is your most important asset". You hear this all the time
from financial advisors and authors, to the point where it begins to ring
like a mantra, diminishing its impact. The problem is, in most cases, it
is true. If you can commute your pension, your situation is even more complex.
You owe it to yourself to get professional advice, and be prepared to
pay for it. Free advice is free for the obvious reasons.