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Taking your pension benefits involves some important decisions that can be irreversible and costly if you get them wrong. We recommend that before deciding to access pension benefits you seek advice from a professional or take advantage of the Government’s free and impartial guidance service, Pension Wise. If you do not have an adviser and want help finding one in your area please refer to our ‘find a financial adviser’ on our website, www.hornbuckle.co.uk, or visit www.unbiased.co.uk.