A filmmaker, 1982, and Stephen Fry: A real case study into pensions 'freedom'

Many clients approaching us are looking to access their pension to better manage their debts, whether these are long term mortgages or secured loans to shorter term finance. Even in today's current low interest rate environment, many people are financially better off reducing or eliminating interest payments compared to the increase in the value of their pension. From an adviser's perspective, the key issue is, where possible, understanding the client's current debts and attitude to borrowing. Accepting that, in the new pension environment, clients have the freedom to do with their...