Phased retirement
If you have a personal pension you do not have to take all your pension at once. This gives a few different opportunities.
Reduce your working hours and take a bit of your pension to make up the lost income. A year later reduce your hours a bit more and take some more of your pension and so on until you are fully retired.
Or even if you stop work at one stroke, there may be tax advantages in phased retirement by taking a bit at a time and combining the tax free cash with annuity income each year. Year by year the contribution from the tax free cash will reduce until you are fully on the annuities for the source of your income.
But until the exercise is completed, you will not be paying tax on the full amount each year.