How to Deal With a Deferred Pension Scheme

Many advisors have completely removed themselves from this whole arena altogether. So actually finding an advisor willing to provide advice like this is going to be spectacularly difficult. Nobody knows what the rules or indeed the annuity rates might be when you finally reach 65 or draw your benefits. After all, you might need or want a guaranteed source of income at that point rather than something flexible. But it'd be too late then to do.