When Madam Tosin, a vibrant and seasoned bank manager at a leading financial institution, began planning for her retirement, she dreamt of postponed travels, rediscovered hobbies, and a quiet home she hoped to build. But one crucial detail she hadn't fully planned for was how her retirement income would flow. Like many others, Tosin faced a familiar dilemma: Annuity or Pension? For her, the answer was clear. “Why would I…