PaulEasyIt appears you have segregated assets and two...

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