Remember when one of you passes, you lose the lower social security payment.
Not knowing your finances, age, or health I would take the option that pays the most to your wife after you pass.
I do not worry about what I leave to the company. I look at the pension as reliable monthly income with no market risks. Now if you want to leave a lot of money to someone you might have a different opinion.
Yes a meeting with a fee only planner is a good idea.
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