This website is not personal advice based on your circumstances. It aims to provide information and tools to help you make your own informed decisions. No liability is accepted for any decisions you may make based on the information contained within this site. If you are in any doubt, you should consult a qualified financial advisor who can give advice based on your specific circumstances. Alternatively, visit the Governments PENSION WISE WEBSITE for free impartial advice.

Whilst Pensions freedom is a good thing and gives you control over your own money, analysing, understanding and choosing what to do with all of the options available to you is a daunting prospect for most people.

This site will attempt to help you navigate your way through the minefield of pensions freedom to ensure that:

• your nest egg lasts you a lifetime. See the Withdrawal charts and personal modeller which gives a brief analyse of what I believe will be 5 common Pension withdrawal strategies and some sample tables to demonstrate how a fund might last over the course of your retirement when using some of the withdrawal strategies.
  
  There is also a calculation tool on the page which enables you to view an instant analysis of how your pension fund might last based on it's value, your required annual income and the level of annual increase that you would like to award yourself.

• you don't pay more tax than you need to. See the Tax considerations and calculator which explains how pension withdrawals will be taxed and alerts you to situations which will result in you paying tax rates of up to 60% on portions of your withdrawal. There is also a calculation tool on the page which enables you to view an instant calculation of the tax that will be due on your planned pension withdrawal to enable you to plan your withdrawals in a tax efficient manner.

• you don't pay more in charges than you need to. See the Charges & Scams page for notes on how some pension providers will charge more than others for you to make withdrawals. Some will charge excessively and some will charge nothing. There is no reason for you not to transfer to a provider that doesn't levy excessive charges.

• You don't fall victim to scammers and conmen. See the Charges & Scams page for what to look out for and how to spot a scam. Pensions freedom will give a lot of people access to a lot of money and there will be plenty of crooks looking to get their slice of the pie. If it sounds too good to be true, then it probably is.