Blend Multiple Options

You don’t have to choose just one option when taking your pension. Many people combine different approaches to create a retirement income strategy that balances flexibility, certainty, and long-term sustainability. The right blend depends entirely on your personal circumstances and goals.

🟩 Mixing Lump Sum and Drawdown

You may take part of your pension as a tax-free lump sum while using drawdown to provide flexible ongoing income, allowing your remaining funds to stay invested.

🟩 Combining Guaranteed Income with Flexibility

Some choose to use an annuity for part of their pension to provide guaranteed income for essential living costs, while keeping the rest invested for growth and flexibility.

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🟩 Managing Tax Across Different Sources

Blending options allows you to control how much taxable income you take each year, helping you stay tax-efficient and make full use of your allowances.

🟩 Adapting Your Strategy Over Time

As your needs change, you can adjust how much you draw, whether you take more guaranteed income later, or leave funds invested longer for future growth.

🟩 Personalised Planning For Peace of Mind

The best blend of options is highly individual. Professional advice helps you build a tailored plan that balances income certainty, flexibility, and future growth potential.

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You don’t need to figure this out alone. I’ll take the time to explain everything in simple, clear language, review your options with you, and help you create a retirement plan that fits your personal goals. No jargon. No pressure. Just expert advice tailored to you.