As the title really. I reach the grand old age of 60 shortly and have a pension due from when I were a young un at the council. Still working, elsewhere now. Not sure whether to take it now, the lump and monthly but pay the PAYE tax, or leave it until I get old!
Were nit to far away from you, they will have a chat with you first and then if you like what they suggest, then they will always do a face to face before you would commit to any business.