u/Fancy_Arm_9383

Hello

I am on track to have a pension that will use the whole of the 25% tax free allowance up to the gov cap, with loads left over. My wife is a teacher with a defined benefit pension and my understanding is that her pension income will be 100% taxable. Are we better to put some savings into a SIPP for her to be able to use her 25% tax free allowance also? This seems like a major disadvantage to defined benefit pensions?