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Pension Drawdown

Your flexible way to access funds

But is it right for you? It’s tempting to be drawn to the flexibility of drawdown, especially if you want to control how you access your money, but it’s important to seek advice first.

Show me how

Rules do change

As time moves on and pension rules change, so does the ability to enter drawdown. Today there’s more flexibility than ever but with flexibility comes decision making and potential risk. However, risks can be minimised with the right advice.

The main attraction

Flexibility is your buzz word. You decide how much and how often you take your money, essentially you have full control. You can continue to invest money and could still purchase an annuity if you want to. It’s also possible to nominate someone to receive the value of your drawdown when you die, but there are tax implications to this.

Some things to consider

Freedom isn’t always a good thing. There are risks associated with any investment choice, your money could run out faster if you take too much too soon and drawing down large sums of money can have heavy tax implications. It’s always wise to consider what’s best for your own lifestyle and get professional advice before deciding.

We've got you covered

This is a very simplified explanation and there are many things to consider. We would never advise going into drawdown without the support of a trusted, qualified independent financial adviser. We'll make the options and implications clear, leaving you worry free and able to enjoy your money.

It all starts with a chat

Stop by, get your questions answered and tell us what you’re trying to achieve.

We’re conveniently located and able to help those in the following areas: Stockton on Tees, Darlington, Middlesbrough, Hartlepool, Durham, Newcastle and surrounding areas.

We won’t bombard you with jargon, instead we’ll ask about your circumstances and talk through your options. It’s completely free and there's no obligation to take it any further. Just give us a call and find out how we can help.

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We’ve Got the Pension Transfer Gold Standard

Set up by the Pension Advice Taskforce, we’ve been awarded the Gold Standard, which helps you recognise good practice, ethical and professional standards when looking for pension transfer advice.

As Gold Standard holders, we’re committed to helping you clearly understand whether transferring your Defined Benefit (Final Salary) pension is right for you.

Pension Transfer Gold Standard

What’s even better, the Gold Standard is accredited by the Financial Conduct Authority (the UK financial advice regulator) and the Personal Finance Society (the body for the UK financial advisory profession).

For more on the Gold Standard, download the Pension Advice Taskforce guides:

Download the short guide

Download the long guide

Real stories

All's well. Retirement beckons.


They made a very scary process so much better and were knowledgeable, approachable and 'feels on our side'. I feel more confident now.

Andrew & Michelle

FAQs My Pension Drawdown

The age you can enter drawdown is the same as when you can access your pensions. In most cases this is normal minimum pension age, which is 55 years old. The only exception to this is if you have exceptional circumstances, such as a terminal illness.

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