Defined benefit pensions are becoming ever rarer, with the exception of the state pension. Most people are going to need to derive some of their retirement income from drawing down from accumulated savings. This means there are two questions we

My name is Nick May. I have a background in IT. I’ve architected and developed mission-critical systems for big companies. Much of my career has been with financial applications, like banking, accountancy, insurance and trading. Until a few years ago,