Pensions

·        Review your pension objectives with our annuity/drawdown adviser.

·        Think about your attitude to risk in retirement.

·        Do you want a secure guaranteed pension or do you want to take on board investment risk and longevity risk in return for which you may receive a higher or lower income and more flexibility?

·        Determine the frequency of how you want your pension income to be paid.

·        Do you want your maximum tax-free cash up front?

·        Who else does your pension need to provide for should you pre-decease them?

·        If retiring to live overseas check all tax implications and include headroom for the effects any currency exchange fluctuations might have on your UK pension.