Emily Barlow and Alistair Byrne

The freedom and choice reforms have empowered individuals to make decisions based on their unique circumstances. However, this freedom also leads to challenges when making retirement income choices – among them, uncertainty over spending needs and longevity.

It's quick, easy and as a registered user you'll have full access to all Pensions Expert articles. You will also be able to receive editorial emails.

If you are already registered, please click here to login.