There's a lot to consider

With recent changes in legislation, there is more flexibility around retirement planning. There are a number of options available that may be more suited to your personal circumstances.

Some important questions to ask yourself are:

• How much income do you need in retirement?
• Do you need the safety of a fixed income in retirement?
• Do you need flexibility in your income in retirement?
• Do you need a lump sum upon retirement?
• Is your current pension arrangement flexible?
• How much tax-free cash are you entitled to?
• Are you entitled to a full state pension?

To help you with this, we can introduce you to Swann Financial who have the expertise to investigate your existing pensions, advise you of the current rules and give you sound advice.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.