re: Pension Lump sum question

No way you should do this. Don't know your income on the year, but add 170k to that. Let's assume that pushes you into the 32% marginal tax bracket, your taxes would be $54,000. You shouldn't have penalties being over 59.5. So your net is closer to 115k.

Without figuring your interest payments over the next 17 years, at a modest 6% return, you should have accumulated $470,000 in the IRA you should move your pension to.

So you're spending $170,000 to pay off a $115,000 mortgage and giving up $300,000 in opportunity cost (470-170). Not your best idea, to be sure.