My wife and I are retired, both aged 63. We own our home and a holiday house, which we could rent out if needed. We hold about $200,000 in shares and $100,000 in VicSuper. I am on a defined-benefit Emergency Services & State Super (ESSS) pension for life, paying $57,000 a year and, payable if I die, at about 70 per cent to my wife. I understand that, before I reach 65, the ESSS will offer a lump sum [...]