Paul
Easy
It appears you have segregated assets and two pensions
Obvious question is: why?
What is the advantage as it's all exempt pension income?
Simply turn off the segregation and go back to unsegregated assets (far cheaper option too)
For those 'Topgear' fans - remember the 30 foot Panda - "an ingenious solution to a problem that never should have existed in the first place"
Ie - at first glance you seem to have an unecessarily convoluted situation that simply doesn't need to exist
Cheers
MK
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