Options at Retirement

When you come to retire, the broad range of options facing you can appear daunting. After all, the decisions you make now will affect your standard of living for the rest of your life.

There is so much to think about:

• Should you take your maximum tax free cash?
• Should you purchase an annuity – if so what sort?
• Should you find a different company to pay your annuity?
• Should you not purchase an annuity, but draw an income directly from the fund – if so how much can you have … or how little?

We can help you understand all the options available to you and to select the one that most closely meets your personal requirements.

In particular, if you have a wife or other dependents, you will wish to ensure that they are provided with an income should you die either before you retire, or after you have started to draw an income.

This can be achieved in a number of different ways and we will be please to outline your options to you.