Published 2/10/2014: Pension rules are changing. From April 2015 all income limits and restrictions will go. You could even take the whole fund as cash, if you wish. 18 million people will be able to benefit. What could the changes mean for you? How will they work in practice? Could you miss out? Charlotte Cowen interviews Tom McPhail, Head of Pensions Research, to answer your questions. Plus, hear the story of three clients and see what they're doing in response to the new changes.