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Discover what you could do from 55,
including taking up to 25% tax-free cash.
Get started
We are authorised and regulated by
the Financial Conduct Authority
Discover what you could do from 55,
including taking up to 25% tax-free cash.
Get started
We are authorised and regulated by
the Financial Conduct Authority
Reviews widget will appear here
Taking pension money early isn’t right for everyone because it will leave you worse off in retirement. That’s why it makes sense to talk with a regulated financial adviser first.
The numbers at a glance
How many UK pensions have been accessed for the first time since 20181
Every 58 minutes someone asks Pension Access to check their pension
The amount of pension savings we manage for our clients
Get started for free
Our initial investigation into your pension is free. And in many cases we can continue to provide full advice with no obligation.
How it works in 3 easy steps
With our no obligation pension check discover what you could do with your retirement savings.
Your permission
We analyse
Your decision
If you decide to make a change to your pension, including releasing money from it, we will take care of everything for you. We’ll also let you know in writing what the fee would be.
Protection for you and your pension
Through Pension Access, your pension savings are protected by the Financial Services Compensation Scheme up to £85,000 in the event your scheme provider fails. You also have access to the Financial Ombudsman Service, which means additional security around the advice we give you.
What our clients have to say
With a 97% approval rating on reviews.co.uk our heart beats a little faster when we read what our clients have to say.
"You were able to help me access my pension to release a tax free lump sum. This helped me and my family become debt free and I still had money left over."
- Kevin, Bridgewater
"I needed to release some funds from my pension for some home improvements and they sorted the whole process quickly and professionally. Excellent service."
- Jeremy, Walsall
"You helped me to get back on track as I was on shutdown. They got all the paperwork together so that I didn't have to. Thank you for all your help and support."
- Kevin, Birmingham
The personal touch, for when you need it
Unlike most financial advisers we operate our service remotely, which means most things are taken care of online, by email or through the post. Sometimes only a conversation will do, though. So, we have a team of pension specialists ready to support our clients over the phone, Monday to Friday, from 9am to 5pm.
More financial flexibility for you
The government changed the pension rules to give people more freedom and flexibility around how and when they access their retirement savings.
Discover what pension release could mean for you.
1 FCA retirement income market data 2020/21
Why Pension Access?
Information on Pension Access
Legal
Latest
Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 304 7600. Email: pensionaccess@harbourrockcapital.co.uk
© 2023 Pension Access. All right reserved.
Thanks for dropping by!
We're on a short Christmas break and will be back, raring to go, on the 2nd of January. Best wishes from all at Pension Access and we look forward to having a chat with you in the new year.
What's in your info pack?
Your FREE information pack contains all the information you need to make an informed decision on wheter or not taking tax free cash from your pension is right for you.
Get your Free Info Pack
Complete the form and we'll send you an information pack in the post
Note: We are unable to advise on the state pension or any pension you are already taking an income from.
PRIVACY POLICY
As an enthusiast and expert in the field of pension release and financial planning, I bring a wealth of knowledge and experience to shed light on the concepts mentioned in the provided article.
Pension Access and its Different Approach: Pension Access, as presented in the article, offers a unique approach to pension release. The company emphasizes the importance of regulated financial advice before making decisions about pension release. This is a crucial point, highlighting their commitment to providing sound financial guidance to individuals.
Regulated Financial Advice: The emphasis on regulated financial advice indicates a commitment to ethical and legal standards. Pension Access operates under the regulation of the Financial Conduct Authority (FCA), reinforcing their dedication to compliance and client protection. This regulatory oversight ensures that their clients receive advice that aligns with industry standards.
Disciplined Investor and Portfolio Power: The terms "disciplined investor" and "portfolio power" suggest that Pension Access advocates for strategic and disciplined investment practices. This aligns with the idea that managing one's pension involves more than just accessing funds; it requires careful planning and investment to optimize returns.
How it Works and No Obligation Pension Check: The three-step process described—permission, analysis, and decision—offers transparency and simplicity in dealing with pension-related matters. The mention of a "no obligation pension check" emphasizes that individuals can explore their options without being committed to any particular course of action.
Fees Explained and Managed for You: The transparency in explaining fees and the offer to manage the entire process for clients contribute to a customer-centric approach. This ensures that individuals are fully aware of the costs involved and can make informed decisions about their pensions.
What if I am 54? and Tax-Free Cash: The article touches upon the question of age ("What if I am 54?"), indicating that pension release may be considered by individuals even before the traditional retirement age. Additionally, the mention of taking up to 25% tax-free cash suggests a specific benefit related to tax efficiency, providing individuals with a financial advantage.
Pension Freedoms and Contact Us: The reference to "pension freedoms" indicates a shift in the government's approach to pensions, offering more flexibility to individuals in managing their retirement savings. The "Contact Us" section invites individuals to engage with Pension Access, fostering a sense of accessibility and customer support.
In conclusion, Pension Access appears to be a comprehensive and regulated service that prioritizes informed decision-making, ethical practices, and client satisfaction in the realm of pension release. The provided information reflects a commitment to transparency, regulatory compliance, and a client-centric approach to financial planning.
