QUESTION: I am 61 and will continue working for a few more years. I have about $500,000 in two Transition to Retirement (TTR) allocated pension accounts, one with a taxable component of 91 per cent and the other of 70 per cent. I have $250,000 in four accumulation accounts. I salary-sacrifice $35,000, plus non-concessional contributions of about $30,000 a year, into one of these accounts. The taxable component of this account so far is about 60 per cent and the balance is $130,000. The other accounts have $120,000 of personal after-tax contributions in total. I am planning to combine these four accounts and start another pension once the balance gets to $300,000. Should I have three separate TTR accounts or would it be more beneficial to roll all six accounts into one TTR?