This is more a process than a product and is where you arrange your personal pensions as a cluster of accounts, often called segments. These segments can then be used at various times over your retirement to buy annuities or Unsecured Pensions (USP’s), up to age 75, then an annuity or Alternative Secured Pension (ASP), after age 75.

How and what you need to do to facilitate a flexible or gradual retirement will require an in depth understanding of your personal circumstances and need a critical assessment of such factors as investment growth, mortality rates and mortality drag, cross-subsidisation and withdrawal levels.
Therefore to have one of our Retirement Income Consultants help you with this very difficult and complex decision ring on 0845-6756749 or clicking here now.