Judge Advocate General of the Navy Vice Adm. Christopher French submitted his official voluntary request to retire at a lower rank
(media.scored.co)
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But you still get to retire at the higher rank, even if you do so the day after promotion. Only the pay is affected, as you described.
Which makes the "retiring at a lower rank" thing seem super odd.
maybe lower rank of pay and the reporter perhaps got it wrong. IDK.
OK that sounds right - I'm a little rusty on my military protocol (I retried an 0-5 in 96!)