Margaret was becoming tired of working and was keen to see if she could retire early. She asked Audley to review her various personal pensions and old Final Salary schemes. Audley carried out detailed cashflow analysis and spent time understanding what income Margaret needed. We advised Margaret that she could start taking benefits from her personal pensions now and retire.

The income from these pensions would meet her income needs until she could take her guaranteed pensions from her Final Salary Schemes when she is 65 and her State Pension one year later. Margaret is looking forward to saying goodbye to the 9 to 5.