Let's start with how many pension pots you have

Pension pot value

Your pension scheme

Before you look to move your pension, it’s important to check if any of your schemes contain benefits or guarantees. It’s also important to understand if there would be any cost for moving.

The next page will give a list of features we would encourage you to look out for. But don’t worry, if you’re not sure, one of our experienced pension specialists can help you to find out.  

Tax free cash

You've told us you'd like to take @tax_free_percentage% tax free cash (which equals £@total_fund_value*(@tax_free_percentage/100)). If you'd like to alter this, you can do so below.

Typically, you are able to take 25% of your pension savings as a tax-free lump sum. However, if you have a particular figure in mind, here’s your chance to tell us.

It is important to consider that if you don’t take all the 25% upfront, your income will be taxed at source, and you wouldn’t get the opportunity to take any further tax free later on.

Pension summary

Here's what we know so far:

Typically, you can take 25% of your pension savings as a tax-free lump sum. However, one of our specialists will be able to assist you if you had a specific figure in mind.

Not taking the full 25% generally could mean that you will get a higher income. But please consider that once you have purchased a plan it is generally not possible to change your mind and take further tax free cash at a later stage. Any income you receive will be taxed as earned income depending on your circumstances.  

Securing the best rate

Each of the ‘At the retirement’ products we explore at Age Partnership are personalised to you and will come with your own personalised rate. These are driven by your age, health & lifestyle and where you live.

The more information you are able to provide, the greater your chances will be of securing the best possible rate for your personal circumstances.

We may capture and process information from you including data which is categorised as "special category" i.e. information which may be seen as more sensitive, such as details relating to your health. For further details on how your information is used, please refer to our privacy policy which can be found at www.agepartnership.co.uk/privacy-policy/. With this in mind are you happy to proceed?

Employment

Current occupation

Previous occupation

Further information

Next, a few details about where you live...

Previous address

As you've lived at your current address for less than 2 years, we need to know where you lived previously.

Partner or spouse

It is possible to protect your pension so that in the event of your passing, your income and/or remaining fund can be passed on to your estate. 

Partner/spouse details

We just need to know a few details on your spouse/partner now

Further information about your partner/spouse

Where your partner/spouse lives

Partner/spouse address

Partner/spouse occupation

Current occupation

Partner/spouse previous occupation

Partner or spouse pension pots

Pension access

Great now we have your pension and personal details we can now start to look at options in more detail

Your Next Steps

Thank you for taking the time to provide us with all the necessary information.

Great news! Based on what you’ve told us, you have more than one option available to you.  

What are my options?

Let's have a chat

We'll be able to help you much better if we discuss your needs over the phone. We can give you a call back in just a minute if you like.

What are my options?

Option 1 is the Guaranteed Income for Life or more commonly known as a Lifetime Annuity.

Lifetime annuities remain the only product that guarantees to pay you an income for as long as you live.

Your income is 100% protected by the Financial Services Compensation Scheme (FSCS) and there are may death benefit options available.

What are my options?

Option 2 is the Fixed Term Plan or sometimes known as the Fixed Term Annuity.

You can choose the length of time your plan is in place, anywhere between 1 to 25 years. During that time you can determine how much, if any, income you receive.

At the outset you are told how much you will get back at the end. This is called the ‘Guaranteed Maturity Value’. So at the end of the term you will have all of your options available to you. You may wish to start another plan, look at a lifetime annuity or even take the remaining fund as cash.

What are my options?

Option 3 is Advice this process generally takes longer and can be more expensive but may be right for you if:

You feel uncomfortable making a decision yourself.

You are not sure which option would be right for you.

You want to consider other products, such as Drawdown or Investment linked annuities.

You are thinking about taking your pension as cash or a series of lump sums from your providers.

Both options 1 and 2 are available through our guidance service.

As part of this service we would be able to provide you with all the information and quotations you require in order to make a informed decision about your pension.  We would not be able to tell you what to do, make a recommendation or offer any advice.

You won't pay us anything to use your Annuity or Fixed Term comparison services, but if you choose to proceed and we arrange your purchase for you, we will be paid a on-off comissions by your chosen provider.

This commission is factored into the rates and will be disclosed to you in writing before you proceed.

With the Guaranteed Income for Life there are several options available on your plan and we'll go through these on the next steps.

Both options 1 and 2 are available through our guidance service.

As part of this service we would be able to provide you with all the information and quotations you require in order to make a informed decision about your pension.  We would not be able to tell you what to do, make a recommendation or offer any advice.

You won't pay us anything to use your Annuity or Fixed Term comparison services, but if you choose to proceed and we arrange your purchase for you, we will be paid a on-off comissions by your chosen provider.

This commission is factored into the rates and will be disclosed to you in writing before you proceed.

Thank you for choosing advice, one of our advisor will be in touch soon or alternatively ring X to continue with your journey.

Thank you very much for providing us with all your details, one of our specialists will be contacting you soon to run through the Fixed Term options and figures and talk through anything you are unsure of.  If you wish to proceed straight away please call us on X.

Option 1 - further questions

Option 1 - further questions

Option 1 - further questions

Option 1 - further questions

Great, there are different ways to do this.

You can either pass an income onto a spouse or partner for the rest of your life, this is known as a joint annuity.

You could guarantee that an income is paid for a certain number of years.

You can add value protection which protects the value of your remaining fund when you die, which can then be paid into your estate.

Option 1 - further questions

We offer 100% Value Protection as a default through our non-advised service. This means that 100% of the fund after any income taken would be paid into your estate.

Thank you very much for providing us with all your details and choices, one of our specialists will be contacting you soon to provide you with figures and talk through anything you are unsure of.  If you wish to proceed straight away please call us on X

End of journey

We can add content here or set up a re-direct back to the main website when the user submits.