Keith was retired and had sufficient income from him and his partner’s State Pension that he didn’t need to draw a regular income from his private pensions. Instead, he looked to his pension to pay the odd luxuries, such as holidays or his annual bills.

Audley thoroughly explained the tax implications of taking these withdrawals to Keith, as his pension would end up deducting more tax than was required.

Audley additionally helped and advised Keith on communicating with HMRC to reclaim the additional tax that was deducted.