I found the whole service from Darren very informative and he listened to all my needs. My initial aim was to draw down my pension to enable me to have some free cash to pay off some debts. Darren walked through all of the options to me and we chose one that would not only allow me to have a cash withdrawal, resulting in us being £1100 better off per month, but also having a lump sum invested and still have out pensions. We ended up gettin the best of both and we are looking forward to seeing how it all goes over the next 5/6 years allowing us to retire with an income that we will be really comfortable. Great service and a very friendly and professional service thank you Debs