Well the new pension’s freedom reforms have finally arrived. On 6th April the new rules came into effect which now allow individuals to take unspecified amounts out of their pension pots. Including of course the whole pot, if that is what you would like to do. I have not had calls from a host of clients requesting to do this, and neither would I expect to have. But more worrying I have had calls from prospects or people new to me. I say worrying, because it is clear that these people have had a lack of real guidance in the past, and possibly just see the new rules now as a chance to get their hands on some cash.