Phillip Bray

Should you take the tax free cash from your pension?

Research published recently by the Prudential shows that the majority of people, nearly eight out of 10 in fact, take a tax free lump sum from their personal pension plan or company scheme, when they retire. Pension savers have historically used the lu... Read >

Annuities: how much does each option you choose affect your income?

When buying an Annuity you have a number of sometimes bewildering choices. Should income be paid monthly or yearly, in advance or in arrears? What is a guarantee period? Do I need one? How much income does my spouse need if I die before they do? As wel... Read >

Not using a Pension Annuity Calculator and other common Annuity mistakes

We thought we would highlight some of the main mistakes made by people when buying an Annuity. If you are retiring soon and considering an Annuity as a way of providing an income in retirement read on to make sure you don’t make the same mistakes as so... Read >