An increasingly popular area for advice relates to the choices that people face when they come to retire, the current market conditions is the perfect storm as far as soon to be pensioners are concerned. They face a depressed stock market which is the wrong time to crystalise equity holdings, which has been compounded by low annuity rates. The return on their investments has been diminished because of the downturn in the world economy which is not their fault, they are a victim of timing! However, current pension legislation does offer greater flexibility in terms of how and when benefits can be taken which means you can defer the crystalisation of assets and avoid buying an annuity whilst still releasing the tax free cash and provide a monthly income if required regardless of whether actual retirement has been taken.

If you want to find out more about what options you have in relation to the timing and form of your pension benefits call us before you make an irrevocable decision.

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To speak to one of our consultants you can either call us on 01793 750101 or submit an enquiry form and we will contact you shortly.