‘Wherever we go and whatever anyone says, you manage to turn the subject to pensions. Always pensions, bloody pensions. Can’t you ever talk about anything else?’ He knew that it was going to be no good replying that it wasn’t his fault and that wherever he went his reputation as, ‘something big in pensions’ preceded him and people, usually the men, started picking his brains about their pension release problems. So he just got her the drink, gave it to her with a neutral look and then rejoined the group which was eagerly waiting for his return.

‘The problem with pensions’, said one of them, ‘is that you can’t get your hands on the money when you really need it. It’s all well and good being given the carrot of tax relief to shove the money into your pension fund, but you never know what’s around the corner and when you might really need the money.

….

‘Well, I’ve just turned 50, but I run the business with my bother and he’s five years younger than me. But what’s that got to do with it?’ came the reply.

‘Well, quite a lot,’ said Harvey. ‘Actually, there are two things that I can think of straight away that can get some of your pension fund into your business. Let’s start with the easy one first. Because you’re 50, you can actually take cash out of your pension fund. How much have you got in your pension fund?’

….

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