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hi folks i hope youve all had a good week and made a few quid this video is going to clear something up that confuses a lot of people and its going to reveal how you can actually take more tax free lumps some from your personal pensions than the standard 25 its also going to explain how you can use tax free lump sum to provide a more efficient income stream by reducing the amount of income tax that you pay on a monthly basis as many of you will know if youve watched any of my videos before my job is to help people keep more of their money in retirement and one of the first tools at my disposal is pension commencement lump sum better known as tax-free cash most people are aware that they can take 25 percent of their personal pension sip or money purchase employer arrangement tax-free currently from the age of 55. they also know that they can take this lump sum these days without having to switch on income withdrawals what they dont always know however is the mechanics of how that