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advice needed

My wife is nearly 60 and has recieved her pension details. She retired early at 58. She has a few options but we are thinking about taking the full lump sum which is option 1 uncrystalised taxable lump sum £19500. and tax free lump sum £6500. What tax would she pay on the 19500 and would this be done monthly or yearly?. What is the difference between uncrystallised and crystallised.

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