Complexity made simple. I had been wary of online investments so took a while doing research on various companies. I hated the fact that as soon as you made contact with a company they just bombard you with emails, trying to get your business. My main pension pot is government backed and hard to get out, if I wanted to. One of my pensions was a private type that I could get out and had reduced a bit over the last few years. I saw fees being taken out for the "management" of the funds with no growth, leading to a net loss. The retirement desk was one firm I contacted to deal with my pension, that gave me options. They explained the options and explained about my government pensions. (Other companies had just ignored my questions about this) The retirement desk were so helpful. You get a personal "agent" with a direct dial number. No call centres or people on the phone reading from a check list that don't have a clue if you have a query. I asked about their fees, which were openly explained to me where they are paid from. There were no hidden extras. My money was taken from my existing provider given to Legal & General to deal with as I instructed. I got my taxfree lump sum in a few weeks from start to finish. I was kept up to date at every stage by email and also by phone calls from L O' my agent.