Retirement Planning: Uncrystallised Pension Benefits - 'Phased' crystallisation **Voyant Adviser, UK**

Although the key attraction of 'phased drawdown' has largely been removed (now that death benefits are largely the same), one still has the option to 'phase' the withdrawal of tax-free cash, either via Flexi-Access Drawdown (FAD), or via a series of 'Uncrystallised Funds Pension Lump Sum' (UFPLS) withdrawals. This 'phasing' of tax-free cash is illustrated below - for the purpose of the illustration, I have chosen a 10-year period but, of course, any time period can be specified:

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Last updated 03 June 2019, Release 5.0.24