You are in the perfect position as one of you could take the CV and you could still have pension income through the other. The question you have to ask yourself is," Are you going to sleep at night when the market has a prolonged drop?" If you can answer yes to that you have to find a for fee advisor  whom you feel you can trust, unless you are already a longtime investor.
 My union had separated our benefit plan so that did not figure in to my taking a CV.