Small pension maturing-what to do

[OnthePisteAgain]

Donkeys years ago I opted out of SERPS, didn't really know what I was doing but it now seems I have a pension maturing next month and I need to decide what to do with the money. It cannot stay where it is, I have to either move it to another pension, buy an annuity, or cash in.

The value is around 50K, I want to take the tax free lump some so approx 37K will be left to invest. I don't want to cash in as the tax liability will be 15k, so I think a new SiiP would be best. I would like to be able to withdraw from it if needed. I am looking at AJ Bell and Vanguard, who I understand have low fees bet really don't have a clue what I'm doing.

Would I be best speaking to a FA even though it is a small amount? I have spoken to Pensionwise some time ago but they focused on my main pension and we didn't really discuss this one much.

Any advise appreciated.

Transfer it to another pension provider, either your main one or a new one. Can you definitely not defer the age at which you take it? Seems like too small an amount for an IFA.

Is it definitely a DC pension? (I.e. pot of money vs defined benefit).

Are there any special conditions attached to it? Like a GAR (guaranteed annuity rate). These often are great rates and sometimes MUST be taken at a specific age.

Can you have another call with pensionwise specifically about this pension?