Contingent Decisions, McCloud and the Opportunity to Revisit Pension Choices

If there’s one topic that consistently ties people in knots, it’s how pensions are treated for income tax. And honestly, it’s no surprise. Pensions are wonderfully tax‑efficient while you’re saving… but they do behave a bit differently once you start taking them. No wonder myths spread so easily.

So let’s break it down in plain English.