You have the option to combine an annuity and drawdown: a mix of guaranteed and sustainable lifetime income with the flexibility that drawdown brings. For some, initially a full drawdown solution may be appropriate, with a shift towards an annuity as time progresses. It’s highly recommended that you seek professional financial advice before making a decision.

Hybrid retirement income options can be both complex and expensive, but in some circumstances, can provide valuable solutions to difficult problems. If you would like to discuss the suitability of a hybrid pension for you, please contact us to speak to an independent financial adviser, who can go through your options with you.

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