Before accessing your pension pot

• Do you have more than one pension pot and have you got an idea of how much you have saved?

     You could consolidate your pensions

• Having multiple pensions can make it hard to find the time to manage them. If you're still saving for retirement, consolidating your pensions into one place could make it easier for you to see what you have and make decisions based on your combined pension savings.
• Learn how to consolidate into a Legal & General Personal Pension
  Are your pension savings enough to meet your retirement needs now and in the future? You can take a look at our retirement checklist to help you decide when the best time to retire for you may be.
• Does your current pension provider offer you a Guaranteed Annuity Rate, a Guaranteed Minimum Pension, or any other valuable benefits? If they do, then it would be a good idea to look at these first to see what you would get.
• Do you know how much state pension you may receive?

• Have you thought about when you’d like to retire and what you’d like to spend more time doing?
• Have you thought about what might happen as you get older and the help and support you might need?

Find out more about funding the cost of care

It’s worth thinking about what level of certainty you’ll need around your regular income and what risk, if any, you're prepared to take with your money

Find out more about your retirement income options

Your retirement income will be taxable.  It may be sensible to consider taking an income evenly across your retirement. Lump sums may be liable to income tax at a higher rate.

Find out more about tax in retirement

Inheritance tax

Guidance from Pension Wise a service provided by MoneyHelper

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