NYCERS Tier 4 calculation help (calculating, wages, retirement)

[openg30]

Can someone who knows or has retired from NYC service give me some insight to calculating a tier 4 retirement?
I'm clear on the "Wages earned during any year (used in the FAS) cannot exceed the average of the previous two years by 10%" part.
What happens if the wages earned in a year do not exceed the average of the previous two? Do you just use the lower number?
Also once you have calculated the final three numbers, are those to be within 10% as well or are the used to average out "as is"?

Any help would be appreciated. Thank you.

And pre-emptively. I don't care about anyone's uninformed opinions about city pensions, employees, or what you think they do and do not deserve. Save it. I worked 25 years in private industry and my last 20 in civil service. Cry me a river if you're unsatisfied with what you have. We all make choices.

[homestead123]

Nycers is your friend. You need to take a trip there. If you are truly at the end of your 20 year career, they will do an online/FaceTime/Zoom meeting with you explaining everything.
You don’t say what branch you are in as they vary in retirement terms.
But, you pick your best 3 consecutive years. They will then tack on the two prior years of the three. As you stated they take the average of the first 2 years. Your “first year” of the three cannot exceed ten percent of the 2 year average. If your first year is lower than the average, then you are fine.
You don’t really choose how it is factored. You only get to choose the 3 best consecutive years. Nycers figured out the rest to get you your best number. They have to abide by that by law.