The following Pensions practice note provides comprehensive and up to date legal information covering:
THIS PRACTICE NOTE APPLIES IN RELATION TO FLEXIBLE BENEFITS
ARCHIVED: This archived Practice Note provides information on the pensions guidance that was provided by Pension Wise before 1 January 2019. It is not maintained and is for background information only. For further information on the pensions guidance service on and from 1 January 2019, see Practice Note: The Money and Pensions Service guidance on and from 1 January 2019.
As part of the pensions freedoms (also known as pension flexibilities) introduced on 6 April 2015, all scheme members with 'flexible benefits' (effectively, money purchase and cash balance benefits) have been entitled to free impartial guidance at retirement to help them make the most of their pension savings. This guidance service was introduced on 6 April 2015.
Before 1 January 2019, it was delivered under the Pension Wise brand by the Pensions Advisory Service (TPAS) and the Citizens Advice Bureaux. Since 1 January 2019, it has been delivered by the Money and Pensions Service (previously known as the Single Financial Guidance Body) which brings together Pension Wise, TPAS and the Money Advice Service (MAS).
This Practice Note focuses on the Pension Wise guidance before 1 January 2019.
For information on the pensions guidance delivered on and from 1 January 2019, see Practice Note: The Money and Pensions Service on and
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