The best advice an individual can receive on pension planning is go to see an Independent Financial Adviser. Preferably one who specialises in pensions.
If you see someone at the bank or deal with an insurance company direct they will eventually have to sell you something to cover their time.
An Independent Financial Adviser can give you advice for a fee. The first discussion is often not charged as this is normally used to assess whether or not you can use their services and if they can help you.
If you are not local to us and want someone to visit you then the best place to find an adviser is at:
If you are close to Bristol please ring for a chat.
01275 844 844