Age 55, he has a frozen pension with Royal London £62,000 and he wants to access the funds. He is looking to take 25% TFC and then re-invest the remaining funds into a flexible drawdown scheme. He is currently abroad, but is a UK tax resident and needs remote advice by phone and email only.

Age 38 & wife age 36, their joint salaries are £140,000 pa. He has about 4-5 small pensions from previous employers and is looking to consildate them, unsure of values or providers. They are looking for financial planning advice on how to make the most of their income in the most tax efficent way.

Aged 59 and has a personal pension with Prudential, valued at £55,800. He would like to discuss his income options including the tax free lump sum, and whether the pension is with the best provider. He is happy to receive advice on a remote basis and the best time to call is after 4.30pm.

Age 70, he has a frozen pension with Prudential £50,000 and he would like to access the funds to take his 25% TFC and needs advice on the best option for the remaining funds, he is interested in a flexible drawdown arrangement.

Aged 55 and has a pension with Royal London, valued at £36,500. She wants to access the 25% tax free lump sum so she can pay it off her mortgage, and would like a review of the remaining funds to see if they are in the best place possible.

Age 52 in December. He has a frozen Kingfisher DC pension £60,000 administered by Hymans Robertson. He would like to review the pension and discuss his options for accessing the funds at age 55, he is looking to take 25% TFC and needs advice on all available options for the remaining funds. Happy to receive remote advice.

Aged 53 and has a SERPS pensions through Re-Assure with a value of £50,000. He also has a current works pension with Legal & General, valued at £23,000 and he would like a full review of his plans to see if they are in the best place possible and what his income options are going forward.

Age 57, he has 2 frozen pensions with Fidelity £190,000 and a small fund with Now Pensions, unsure of the value but over £5,000 possibly a lot more. He is looking to access some TFC and needs advice on all options availabe for the remaining funds, including flexible drawdown arrangements and is also looking for mortgage advice. He is a Director, salary £44,000 pa and also receives income from 5 holiday let rental properties. Happy to receive remote advice

Self employed individual aged 46 and has a personal pension with Aegon, valued at £180,000. He would like advice to ensure the funds he's invested in are still suitable for him and also wants to discuss making regular contributions. His wife also has an old works pension that she would like reviewing.

Aged 55 with a personal pension valued at £240,000. He would like advice regarding the suitability of the provider and the funds he's invested in. He would also like to discuss making contributions in order to reduce his tax liability.

Aged 58 and wants advice on his old works Fidelity pension. The value of this is £55,000 and he's unsure whether this would be better transferred into his Aegon personal pension. 

Aged 45 and looking for advice on 3 frozen pensions. The combined value is £140,000 and she's noticed that one of these seems to have lost money over the last few years.

Aged 57 and self employed. Has two pensions with Legal & General and Aviva with a combined value of £430,000. He is in draw down and taking £400 per month, but he would like a full review of these schemes to see if there are better options available or should he leave them where they are. He would like to stop the draw down if possible and start funding the scheme again. Open minded to suggestions. He is currently earning £80,000 per year.

Age 54 and has 3 pensions with Pheonix Life. He has been paying £200 a month into one of the funds since he was 18, estimated amount of £126,384. He no longer has a financial advisor as he has retired. He wants a full review as he is unhappy with the excessive charges. He is looking to speak to someone face to face.

Aged 56 and has various pensions schemes with Aegon, Prudential, Standard Life, Aviva, and Sun Life of Canada, with a combined value of £220,000. He would like these reviewed to see if he should consolidate them and discuss what options are available to him in terms of tax free lump sum and income.

Aged 52 and has various frozen pension schemes that she would like reviewed. The pensions are with various providers and have a combined value in excess of £50,000. She does have all the relevant paperwork for all her pensions, but she is confused as to what is what and what is best to do with the schemes in terms of consolidation and income options at retirement.

Aged 70 and his wife is 64. He will be retiring at the end of September and has 2 DC pension schemes with a combined value of £191,000 which he is looking for advice on in terms of, should he consolidate the schemes and what his best income options are. Due to ill health he may want an annuity. His wife will retire at the end of the year and also has 2 DC schemes with a combined value of £120,000 and again are open to suggestions on consolidation and income options on these schemes.

Aged 57 and he has 2 frozen pensions that he wishes to consolidate. 1 is a DC scheme with Aegon, valued at £60,000 and the other is a DB scheme with Mercers with a transfer value believed to be just under £30,000. He is looking to take the 25% tax free lump sum from the DB scheme as he has already taken it from the DC scheme. He is happy to receive advice on a remote bases.

Age 65, he has a SIPP on the AJ Bell platform £450,000. He is looking to access £180,000 of the fund and take £45,000 TFC and discuss the options available for the remaining £135,000, he is thinking of purchasing an annuity, but would like advice on alternative options.

Aged 54 and has a sipp with a value of £250,000. He's unhappy with the current performance and would therefore like to discuss whether he should move to a different provider. He would also like to take 25% tax free when he turns 55 later in the year so he can pay off his mortgage and a car loan. Happy for advice to be provided on a remote basis.

Age 69, her divorce will be finalised in a couple of weeks and she has been awarded by the courts 50% of her husband's BT FS pension fund. Her solicitor has told her she needs to set-up a personal pension to receive the funds. We have estimated the CETV of 50% of the fund to be in excess of £150,000. Once the pension is set-up she needs advice on all available options to access the funds. 

Age 64, he has a deferred DC scheme with DHL £33,000 which he wants to transfer to Pension Bee and he needs a suitability report from a financial advisor before he can implement this. He also has a current employers scheme with Scottish Widows £12,000. He is looking to retire next year and needs advice on all options available for accessing his funds.

Age 56, he has a frozen pension £78,000 with Royal London and he is looking to access the funds. He would like to discuss all available options including the tax implications of cashing in the whole pension. Royal London has told him he must take financial advice before he can access the funds.

Age 58, he has 3 frozen pensions total value £230,000, with Aviva £40,000, ReAssure £180,000 & Scottish Widows £10,000. He is looking take a cash lump sum from his pensions in the near future and needs a full review of all of the schemes and advice on all available options. He is also planning on contributing more to his pensions next year when his mortgage is reduced and he has more disposable income. He also has £20,000 in Premium Bonds. Salary is £62,000 pa.