The guides.
Six short, plain-English PDFs on the pension topics we're asked about most. Yours to download and keep — no email, no signup. If you've got a question they don't answer, ask us.
How pensions work — the basics
The three main pension types explained, how a DC pot really grows, and why the auto-enrolment minimum probably isn't enough on its own.
Download PDF → Guide 02 · 2 pagesYour State Pension
The 2026/27 rates, who gets the full amount, and when filling gap years is one of the best deals in finance.
Download PDF → Guide 03 · 2 pagesTaking money from your pension
Drawdown, annuities, UFPLS and the 25% rule — plus the two tax traps that catch almost everyone.
Download PDF → Guide 04 · 2 pagesCombining old pensions
When consolidation makes real sense — and the guaranteed rates, protected cash and exit penalties you must never accidentally lose.
Download PDF → Guide 05 · 2 pagesPensions and tax
Relief going in, tax-free growth in the middle, and the April 2027 inheritance-tax change that reverses the standard planning logic.
Download PDF → Guide 06 · 2 pagesPlanning your retirement income
Three numbers to build a plan around, and the assumptions that quietly break every plan built on averages.
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