Pension Options
Pension Options

There are 6 ways you can take your defined contribution pension pot. You don’t have to start taking money from your pension pot when you reach your ‘selected retirement age’.

Beneficiary's Pension

The way you take your pension will affect how you can leave it to your beneficiary (the person who inherits it) when you die.

Most pension options allow anyone to inherit your pension – they don’t have to be your spouse or civil partner.

Escalate / Increase

Escalation is defined as changes in the cost or price of specific goods or services in a given economy over a period. Escalation is usually calculated by examining the changes in price index measures for a good or service.

Flexi-Access Drawdown Pension

Flexi-access drawdown: Using your pension pot for a flexible retirement income. With flexi-access drawdown, when you come to take your pension you reinvest your pot into funds designed to provide you with a regular retirement income.


A formal assurance (typically in writing) that certain conditions will be fulfilled, especially that a product will be repaired or replaced if not of a specified quality.

atomos' mortgage planning service advises clients who are purchasing property and guides those looking to release equity from their homes.
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Inheritance tax planning
Inheritance tax (IHT) can have a significant impact on wealth. At atomos, we find the most efficient ways to protect and pass it on for future generations.
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The value of investments and any income from them can fall and you may get back less than you invested.