Pension options at retirement

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You don’t have to be a certain age to retire, but you usually need to be at least 55 before you can access your pension.

You can normally take some of your pension as tax-free cash and choose between guaranteed and flexible income options. It can help to talk these options through before making your final decision - our experts can help.

During your telephone appointment you will get answers to your questions and free quotes, but you won’t get personal advice on what’s right for you. We’ll talk through the risks and benefits of each option, and explain:

• How to take your tax-free cash and any taxable income
• The main retirement options including flexible and secure options
• How to pass on your pension to your loved ones
• Where to look for pension guidance and advice

Important information - What you do with your pension is an important decision that you might not be able to change. You should check you're making the right decision for your circumstances and that you understand all your options and their risks. The government's free and impartial Pension Wise service can also help you understand what type of pension you have and your options at retirement. Seek advice if you’re not sure what’s right for you.