I am about to retire. Mercer, who hold my DC fund, have given me the usual options of ARF, Annuity or combo of same. I guess I'll ask Zurich, Irish Life etc. for quotes. Also, DAVY was suggested - they advise, set up the pension, and manage. Another thought is allocating a portion to property. So, would appreciate suggestions on approach to take, good advisers, providers/managers, and how to assess/compare charges/fees.