On the question of tax.
All UK sourced income is taxable (with the exception of some benefits)
If your income is solely from pension(s) then the amount above your personal allowance will be taxable.
I did a post on double taxation and the Philippines one time. Anyone planning to retire out there should read up on that. You can elect to have your UK sourced pension taxed within the Phils instead of UK. BTW pensions tax rate in Phils is 0% so well worth understanding.
Someone once said 'In this world nothing can be said to be certain, except death and taxes'
There's never a convenient time for either of them
