Retirement brings a big shift in how you manage your money. Instead of a single monthly salary, you choose how and when to draw from different income sources, and the order matters more than most people realise.
Many retirees end up paying more tax than necessary simply because they draw income without thinking about which pot it comes from. Carry on reading to see how to sequence pension drawdowns, ISA withdrawals and couple allowances so you keep more of what you’ve saved.














