With all the complexities regarding configuring pensions and the scams that are rife, we spent a long time vetting multiple companies to help us merge our multiple pensions to allow us to take our tax-free lump sum then draw down as we need. Tuto was one of the most helpful and honest companies we spoke to, with our advisor, Tom, being particularly attentive. At no time were we pressured into using them even though they put a lot of time and effort into identifying the best options for us and providing a comprehensive report. We were only too happy to engage them and we haven't looked back! Well done Tuto!