Thanks for that. I am not quite sure of the relevance of the first sentence of your reply since I have no expectation of an income over £150k. Also, I was a bit confused by the first line of Para 4 - referring to retirement in April 2015. I assume that you mean April 2016, as per my question.
Apart from these two points, I think your answer is clear, but I would be grateful if you could clarify these two points before I rate the reply.