I approached Mark at Citrus Financial to assist with my pension planning. I had accumulated a sizeable pension pot from previous employments and needed to access the funds to meet my expenditure need in retirement. My situation was quite complex as I was already in receipt of a defined benefit pension and Mark advised that I could be impacted by the lifetime allowance transitional rules. Mark was able to recommend that I applied for a Transitional Tax Free Cash Certificate to ensure that I preserved my full allocation to the Individual Lump Sum allowance of tax free cash.

My concerns were to find a Financial Adviser that would understand exactly my position with my pension and to focus on that, keeping things as simple as possible. Mark immediately made me feel at ease and we quickly focused on what I needed.

I chose Citrus Financial as I assessed that they had a broad wealth of financial experience. When I met Mark, it was clear to me that he had the specialist pension experience that I needed, with the benefit of being local and having a larger organisation behind him.

Initially I did not know that I had an issue with my lifetime allowance and tax-free cash allowance, having already drawn down on a defined benefit pension. However, Mark not only highlighted the issue but suggested a way forward to improve my position utilising new Government rules, which ultimately has been successful.

Mark put me at ease from my first meeting and gave me the confidence that he could deal with amalgamating my existing pensions into funds with a higher degree of management run by Quilter. Given my existing pensions, although with household names, had limited management input.

My experience of Citrus Financial and, in particular Mark, has been a good one to date with a good outcome in relation to amalgamating my existing pensions and taking advantage of new Government pension rules to my benefit. The outcome was not certain. given the new rules but Mark went about it in a professional manner which I think led to the good outcome.

Andrew, Sevenoaks