Which savings and pension pots did you use first in retirement?

[NigelDebster]

DH (56) retired at the end of march and I (56) will be retiring in October. I had been planning to retire next February but redundancy will bring this forward and the small redundancy payment will cover the difference in salary.

I've been using the Voyant software through my meaningful money subscription which has been brilliant for financial planning. It suggests using our tax free savings and premium bonds first before drawing down on our DC pensions but part of me is worried about not having an easily accessible pot of money for emergencies. I

'm interested in others' approach to which order you have used your various pots.

I also develop property, albeit get trades people to the physical work for me, so buy property, get it done up and sell it, so maybe that is why I am allowed to invest in SIPP. I saw financial advisor and was advised I could.

If you're running a rental business through a limited company it might be allowed. It certainly isn't on normal rental income, so you're misleading people to not give that detail.

@caringcarer I have checked again & rental income is definitely not self employed income so cannot be put into a SIPP. The research I have just done would imply that flipping properties would be a capital gain rather than self employed income also so again cannot be put into a SIPP - however I don't do this. As others have confirmed I would check you have been given correct advice.
So I am correct that I am limited to the £2880 or my small profit from my self employed role whichever is higher

I'm a retired teacher and can only put £2880 into my SIPP a year otherwise it's classed as pension recycling. I have been doing some supply teaching so I know I can put any earnings into the SIPP too which I try and do.

@NigelDebster To answer the original question, according to our FA, up to now the advice was to use up your savings first but with the changes to inheritance tax affecting pensions, that is likely to change (unless the government decides to reverse the decision)

The new advice will be take the tax free lump sum, drawdown from your pension fund such that you don't pay higher rate tax, then give as much as away as you can to the people you would expect to inherit and hope you live for at least 7 years after passing on large lump sums. This does assume that you are in good health so that the rules on deliberate deprivation of assets don't apply.