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Your Options At Retirement

From age 55, there are a number of options available to you including:

  • The ability to draw your benefits available from the existing provider
  • Purchase an annuity with a different provider on the open market, this could potentially increase the payments to you
  • Transfer to Flexi-access Drawdown (or a third way plan)
  • Use the Uncrystallised Fund Pension Lump Sum (UFPLS) rules
  • Transfer to phased retirement
  • Transfer the full amount to any/a combination of the above
  • Undertake a partial transfer to any/a combination of the above

Draw your benefits from your current scheme

Purchase an annuity with a different provider on the open market

Flexi-access Drawdown (FAD)

Draw your benefits as an UFPLS payment from your current scheme

Phased Retirement

A Combination Plan

Important Note

We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please click on ‘Become a Client, Enquire Now’ at the bottom of the page and complete the enquiry form and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can email us with details about your requirements to or call us on 0151 372 5500

Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.

Past performance should not be taken as a guide to future performance. The underlying value of investments, and the income from them, can go down as well as up, and you may not recover the full amount of your original investment.