pension rules https://www.gov.uk/government/news/pension-changes-2015 pension freedom was introduced in 2015 new pension freedom reforms https://www.gov.uk/government/news/pension-changes-2015 annuity upon retirement https://www.gov.uk/government/news/pension-changes-2015 https://www.gov.uk/government/news/pension-changes-2015 new pension freedom reforms new pension freedom reforms pension legislation new pension freedom reforms 2015 pension changes this dedicated HMRC guide Pension Freedom Act, 6th April 2006