Taking your pension lump sum

The normal maximum tax free cash limit when benefits are crystallised (turned from a pension into an income) is 25% of the total value of the benefit taken or 25% of the fund value for money purchase arrangements. If you…

Impaired-life and Enhanced Annuities

At least a third of us will qualify for a higher income in retirement. The problem is only about 20% of us realise this and therefore are being sold short. You can purchase an annuity that takes into consideration your…

What is Phased retirement?

Phased retirement is another way to take benefits from your personal pension, it is, in essence a drawdown plan used in a different way. The main reason for taking a phased income over a traditional annuity is flexibility. It is…

What do I do with my small Pension Pot

This is one of the most common questions and unfortunately you may struggle to find an advisor who will help you with your option. Simply from a financial point of view many advisers can’t justify the time spent advising for…
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