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Can't decide between an annuity for my three pension pots combined OR taking lump sums and emptying
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You mention that you are still working - are you a member of the scheme offered by your current employer?
Have you had a Pension Wise interview yet?
https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise/book-a-free-pension-wise-appointment
If really all at sea, you could consider paid for advice from an IFA.
https://adviserbook.co.uk/
Tick "confirmed independent" and options required when the menu comes up.
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