April 2015 witnesses a sea change in the way we can access our pension pots. The pension pot owner is now in total control of the way in which retirement benefits are taken. With that control comes a greater degree of responsibility. For many people the challenge will be to ensure that their pension pot doesn't run out during their lifetime. The change has introduced new levels of complexity. This book is designed to provide practical help to the reader. It provides all the questions that need to be asked of the pension pot owner, the provider and the adviser. Asking these questions, and getting the answers, will result in a much better outcome enabling them to make an informed choice.