It's been over a decade since pension reforms were introduced, giving us more freedom and flexibility to choose how to access our retirement savings. But how to access your money isn't the only decision you'll need to make - you'll also need to choose when to access your pension.

In the final episode of our four-part podcast series, we discuss the options you have for accessing your money - including buying an annuity and going into drawdown - and what to consider when deciding on the best time to retire.

Which? Money editor Jenny Ross is joined by experts from across the industry, as well as people at different stages of retirement planning.

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