Good morning. Firstly, sorry about this post being crammed into one paragraph! I can't seem to edit it to how I'd like to present it. I have a couple of questions as I'd like to be pre-armed with a tiny bit of knowledge before contacting the pension provider/financial adviser. I have a pension plan with Zurich, which was formerly with Allied Dunbar, which I haven't contributed to for many years. Firstly, should I be concerned that a Financical Adviser company has written to me (last year) to inform me they have taken over from Zurich Assurance Ltd in handling my pension? The statement is on Zurich letterhead with the new company's details on the right hand side. But, the main reason for the post is to just understand the basics of what the statement is telling me. It's showing two parts: EXCLUDING FORMER PROTECTED RIGHTS BENEFITS = Total Current Value of £6,301 FORMER PROTECTED RIGHTS BENEFITS ONLY = Total Current Value of £71,365 My questions are: Does my pension 'pot' literally consist of these two combined? When I reach the age of 55 next August will I be able to access the full amount? It's a small pot, therefore of course, I don't consider this is going to be providing me with a regular income at retirement - therefore the likelihood is that I'll take the 25% tax free amount and then go with one of the options available for the remaining. Hope that makes sense and thanks in advance for any replies. Stuarto.