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If you are nearing retirement you may be starting to think about taking income or tax free cash from your pension.

Before you can plan your retirement you need to understand how the money built up in your pension plan can be used to provide you with these benefits.

There are many different options, some of which these include:

  • Lifetime annuities – provides a guaranteed income for the rest of your life and cannot be amended
  • Enhanced annuities – similar to a lifetime annuity but with an uplift on the income due to a health or lifestyle issue
  • Fixed term annuities – can provide a guaranteed income for a specified period of time with a guaranteed maturity value.
  • Investment annuities – provides a variable income linked to the performance of investments
  • Capped Drawdown – income can be drawn directly from the contract
  • Flexible Drawdown – can provide an uncapped income directly from the contract


You may wish to release your tax free cash and defer taking an income or use a mixture of the above mentioned products.

To discuss any financial requirements you may have, call us today on 01903 372032 or email us

Some of the above products and services are not regulated by the Financial Conduct Authority.

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