Retirement Options Specialist

Regarding retirement options, our Specialist advisers can advise on and/or arrange the following:

• Advice to spouse on death of policyholder in relation to benefits under Pension Fund Withdrawal (PFW)/Phased Retirement.
• Annuities where the fund value including tax-free cash is in excess of £150,000.
• Annuity Purchase from PFW/Phased Retirement prior to age 75.
• Compulsory Purchase Annuities or Open Market Option.
• Flexible & Specialist Annuities (as defined by Sesame Research Department).
• Free-Standing Additional Voluntary Contribution (FSAVC)/Additional Voluntary Contribution (AVC) Income Withdrawals.
• Occupational Income Withdrawals.
• Pension Fund Withdrawal.
• Phased Retirement.
• Plans combining Pension Fund Withdrawal & Phased Retirement.
• Reviews of Pension Fund Withdrawal Contracts.
• Section 32 Contract Income Withdrawals.
• Transfers from Pension Fund Withdrawal Contracts.

Additionally, where Pension Transfer Specialist authorisation is also held:

• Fragmentation of benefits (e.g. part transfer value to go to S32 and part to personal pension) where any part of the transfer is to provide immediate benefits.
• Transfer of any of the product types listed in Pension Transfer Specialist area, where the benefits are being used to provide Pension Fund Withdrawal or Phased Retirement.

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