have two main good pensions when I retire in November..Also have a small (26000) final salary pot which I want to cash or at least take as a flexi drawdown annuity, which I intend to exhaust in the next 2/3 years(tax allowance allowing). seems most financial institutes wont touch it. "pensionexpert.com" seem to be able to help!!! Because of all the bad press surrounding this topic I am wary......need I be????? advice please or anyone had good dealings with them.