Scottish widows options at retirement

SteveC3

Hi all.
Well it's my last week at work - exciting and scary!
My workplace pension is with SW and I've looked at the fees vs other platforms and they seem reasonable compared for the sum I have invested. I'm sticking with their portfolio funds. I will need to take out £25k this tax year to cover expenses and then plan to take ad hoc chunks. To keep as much invested as possible, I won't take an initial 25% tax free but spread it across future payments. I have a choice of taking the payments from my "Retirement planning" account as UFPLSs, or setting up a "Retirement account" alongside the planning account. I'm having difficulty finding out the merits and charges of each. I've spoken to SW a couple of times, but they haven't been very forthcoming! If anyone has experience of their accounts that they could share (or any other advice) I would be most grateful.
Thanks.
Steve

Dox

Full info about the Retirement account (including charges) is on the website: https://www.scottishwidows.co.uk/retirement/pensions-annuities/retirement-account/#collapseOne