Q. I am becoming a little frustrated with the lack of action from my current financial adviser. I have a Final Salary Pension scheme from the Local Government and I want to transfer this to a personal pension so I can access the new flexibilities and cash it in. Although he has been my adviser for… Read more »

Q. I retired before the new flexibilities came out in April this year. I have a pension annuity and have heard that I might be able to sell it, is that correct? A. It has been widely publicised that this may be an option from as early as April 2016. This was obviously announced under the last… Read more »

Q. I am 40 years old and have a number of small “pension pots” in various personal pension plans, mostly associated with previous employers. Should I just leave them where they are or would it be sensible for me to look at consolidating them?  A. This will depend upon a number of factors, including whether you are… Read more »

Q. I am 37 years old and I have just left my previous employer and received a statement from the pension scheme I was a member of. The scheme is a Group Personal Pension Plan and is worth quite a few thousand pounds. I have heard of the new pension flexibilities and wondered if I could… Read more »

Q. I am 65 in January next year, so will reach state retirement age before the introduction of the new Single Tier State Pension next April. I have a feeling that I will be worse off than I would be if I was younger, but am not sure. What can I do to find out?… Read more »