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In this video, the speaker discusses how to take more than the standard 25% tax-free lump sum from personal pensions. They explain how this can help create a more efficient income stream by reducing monthly income tax payments. The speaker's goal is to help people keep more of their money in retirement, and they highlight the pension commencement lump sum as a tool for achieving this. Most people know they can take 25% tax-free from their pensions at age 55, but may not understand the mechanics of how this works.
