To take out any money of your pensions, you have to go through a FA.

Luckerly, one travels on our coaches and he sorted mine out.

Don't get talked into Annuities, as it was explained to me, that if I clogged it, the kitty is gone.

Take out your entitled 25%, tax free and put the rest into a DRAWDOWN scheme.

That's what I've done and it's doing ok

Obviously, different people, will have different things to say, but I didn't like the fact that if anything happened to me, the Mrs (family) would lose out.

If you want my FA's phone number, I will text it to you, with his permission