Highly Qualified friendly Advisers, Whole of Market Independent Financial AdviceSpecialists in Pensions. Personal service Tax free Cash from your pension if your over 50Open market Annuity Options. Pensions and Divorce Advice. Advice for retiring Ex-Pats and those moving abroad. Equity Release if your pension is not enough. Remote service By Phone, Post & Email. We have a great deal of expertise in Pension Annuities or Open Market Options this is where we go to the whole annuity market and see which company can obtain higher pension than offered from your existing company at the time of taking the pension benefits from a personal or money purchase pension scheme. Most companies offer a low annuity to their existing customers in the anticipation that they cannot be bothered to seek advice and move to an annuity provider with the best rate available or an impaired life annuity provider if you have a medical condition or are a smoker, will mean an annuity up to 30% Higher