Lynne approached Audley for a review of her various pensions. Lynne’s partner had already retired through ill health and she was acting as a full-time carer for him. Her partner’s pensions more than covered their outgoings and Lynne was seeking more flexibility with her pensions. This was not possible with her existing pensions by transferring she was able to draw an income and lump sums in line with their requirements and this has given them increased financial security until her state pension becomes payable.