You can ask anything you'd like about pensions and retirement planning — from tax-free lump sums and contribution limits to investment strategy and state pension eligibility.

Two minds are better than one! Our approach is to get a second opinion on your questions by sending them to both OpenAI’s GPT-4.1 and Google’s Gemini 2.0 Flash. Each AI model has its strengths:

• GPT-4.1 is great at strategic thinking and long-form clarity.
• Gemini 2.0 Flash can search Google in real time, so has the very latest up to date information.

Examples of possible questions:

• Allowances: What’s the maximum I can pay into my pension this tax year without losing tax relief?
• Rules: Do the pension ‘recycling’ rules prevent me from taking a 25 % tax-free lump sum and then immediately paying it back in as a new contribution to gain extra relief?
• Strategy: I’m approaching retirement in ten years—would shifting part of my pension into an ESG-focused equity fund materially change my risk/return profile compared with a traditional global equity tracker?

Is this financial advice? The responses from the AI are not financial advice and are not a replacement for financial advice. Responses can inform the user, provide clarity on complex financial concepts, and highlight relevant issues or considerations that may warrant further investigation or professional advice. The insights offered can help users feel better prepared and more confident when discussing their personal circumstances with a qualified financial advisor. Final decisions, particularly those involving significant financial consequences, should always be made with input from a regulated financial professional.

Disclaimer: Responses are not financial advice.