I have now decided I am definitely going next Summer. I have a reasonable TP pot but also about £60 k in AVC I am retiring in July next year so don’t want to access the AVC money until I am in a different tax year to avoid paying higher rate tax. Am I able to take the whole amount split over two financial years ie £30 k in 2021/22 and the reamainder in 22/23 ? I don’t really want to invest any of it for the proposed pension of £1500 a year . Any thoughts appreciated.