Key options

  • Whether or not to exchange part of your pension for a tax free cash sum

  • What to do with any cash sum

  • How to make the most of any Additional Voluntary Contribution (AVC) or Free-Standing Additional Voluntary Contribution (FSAVC) funds

  • Whether you want to make the once in a lifetime decision regarding your pension income at the point of retirement

  • What type of pension to purchase

  • Whether to opt for a more flexible approach to retirement planning