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Cutting tax

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I am over 67 and plan to retire next tax year. I can arrange to have a normal income less than £10,500 and savings income less than £5,000 and, thus, I pay no tax and my marginal rate is zero. I withdraw 100% of my pension pot, with no tax to pay, and invest in NISAs at £30K pa (with spouse)
I have saved all costs and fees associated with a drawdown and all PAYE associated with an annuity and the 55% my heirs would pay to get their hands on my drawdown.
Too good to be true, perhaps there will be a restatement of the situation.

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