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Since the changes introduced in April 2015, you now have a much greater choice and flexibility over how and when you may take money from your pension pot.

Our helpful advisors will talk you through the options available, giving you advice and time to understand the choices available.

Taking your pension from April 2015

If you’re over 55 and have a pension based on how much has been paid into your pot, the changes made in April 2015 give you the freedom over how you can use your pension pot.

You can now tailor when and how you use your pension – whether you plan on retiring early, cutting back your hours gradually or carry on working for longer, you now have the power over your pension pot to fit in with your particular retirement journey.

To make sure you have the right option/combination that will provide you and any dependants with a reliable and tax-efficient income throughout your retirement, our expert advisors will guide you through the entire process.

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Guaranteed income

Annuities can provide you with a guaranteed income payable for either the rest of your life or a fixed number of years.

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Cash Lump sums

When you draw benefits from your pension scheme, you can normally receive some of the benefit as a tax-free cash lump sum.

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Flexible Income

With this option you can normally take up to 25% (a quarter) of your pension pot or of the amount you allocate for flexible drawdown

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Since the new flexible rules (April 2015) came to affect you can mix and match a variety of different options for your pension pot, using separate or combined pots.

Leave your pension pot untouched

Use your pot to buy a guaranteed income for life – an annuity

Use your pot to provide a flexible retirement income – flexi-access drawdown

Take your whole pot as cash

Mixing your options

When deciding how to access your pension, you don’t have to choose one option – you can mix and match as you like.

Another option is to keep saving into your pension and get a tax relief up to the age of 75.

The right option for you will depend on:

  • Your age and health
  • When you stop or reduce your work
  • Whether you have financial dependents
  • Your income objectives and attitude to risk
  • The size of your pension pot and other savings
  • Whether your circumstances are likely to change in the future
  • Any pension or other savings your spouse or partner has, if relevant

Why Choose Us?

Quality Advice

We will put you in touch with a qualified and regulated Financial Adviser

Free Initial Consultation

It costs nothing to see how much more income we could secure for you

Best annuity rates

Best Annuity Rates, More Choice

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Just complete the form to be contacted by a qualified regulated financial adviser

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