Need help with your pension?

Your Retirement Options

& Pensions Freedom

On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your money purchase pension savings and the options you have in retirement.

These changes include the freedom to access the whole of your pension fund, more choice over how to receive the tax-free cash from your fund, changes to death benefits and changes to the contributions you can make.

Whether you have a personal pension, a group personal pension or a stakeholder pension these new rules are far-reaching, and they could have significant tax implications.


It is therefore important to take advice on the various options open to you.

For anyone who was in drawdown before 6 April 2015 (capped or flexible) the new options differ depending on which one you have/had.

State Pensions

For advice on you state pension entitlement, and related benefits, we suggest you check out the following sources of information:

is part of KRD Independant Financial Advisers Ltd., who offer a comprehensive financial planning service for all your private and company pensions, investments, future planning and protection needs: is a trading style of KRD Financial Advisers Ltd., registered in England & Wales no. 5595319. Registered Office at 95 Dixons Green, Dudley, West Midlands, DY2 7DJ. KRD Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority no. 456629.


The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

All calls are recorded for training and monitoring purposes to ensure that regulatory standards are met and to evidence any business transaction that may take place.

Where you have a complaint or dispute with us, and we are unable to resolve this to your satisfaction, then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details:

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