What is a no obligation
pension check?

We are authorised and regulated by
the Financial Conduct Authority
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If you are thinking about taking pension money early, the best place to start is a no obligation pension check with a regulated financial adviser. Our initial investigation into your pension will not cost you a penny and any advice charges are confirmed in writing before you have to make a decision to proceed. This means you can walk away better informed with nothing to pay.

Why should I check my pension?

Your pension could have a big impact on how you live your life in the future. So, if it’s not performing how you need it to then the sooner you check your pension and make any necessary changes the better, whatever stage of life you are at.

Are you currently saving into a pension?

Even just small tweaks could improve your pot by thousands of pounds in the long term.

Are you thinking about the pension freedoms?

If you are aged 55 or over you have a lot of options when it comes to your pension. It’s best to check which one is right for you before making any decisions.

Are you thinking about a retirement income?

If you are ready to take an income from your pension then the decisions that you make now could go a long way to making your plans and dreams a reality.

What does a no obligation pension check really mean?

A no obligation pension check means that you should receive an initial pension investigation at no cost. If you qualify for full advice with no obligation the minimum you should expect to receive is:
  • A clear picture of your current pension and the options available to you
  • An assessment of your current circumstances including what you want to achieve, both now and in the future
  • A recommendation for your pension clearly detailing how any suggested changes should help you to meet your objectives
  • An explanation of any benefits you might lose by transferring away from your current provider and how the recommended change could compensate for this
  • A pounds and pence figure for how much it would cost to make a change to your pension
A financial adviser should be able to tell you if you qualify for full advice with no obligation after their initial investigation. If you don’t qualify they will then explain the next steps and what the implications could be in terms of a fee and when it would be due.

How do I know who to ask for a no obligation pension check?

You should only use a regulated financial adviser; you can find all of these listed on the Financial Conduct Authority register. Simply search for this online. For example, our company number is 754580. If a company you are dealing with is not listed then they are not authorised to give regulated financial advice.

Even if a company or adviser is listed it doesn’t mean that they can offer you a no obligation pension check. If you are not sure then why not get in touch with us. We have already helped thousands of people with their pensions and currently look after more than half a billion pounds worth of savings.

How do I know if it’s time to check my pension?

If you are in a high-charging, poorly performing pension then you could be missing out on thousands in retirement savings. That’s why it’s worth regularly checking your pension to see if there is a better scheme out there for you.

If you are 55 or over then you could be eligible to take money early from your pension. Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement. It’s always good to know your options, though. And this is where talking with a financial adviser will help. We will let you know what those options are and what we think is the best thing for you to do, taking into account your current circumstances and plans for the future.

If I decide to go with the recommendation for my pension, how do I pay?

If you qualify for full advice with no obligation, we will let you know in your report how much it would cost if you asked us to help you release some money early. In many cases you can choose for the fee to come out of your pension so there would be no extra money for you to find.

If you don’t qualify for full advice with no obligation, any advice charges are confirmed before you have to make a decision to proceed. In this scenario, if you decided to proceed, you may need to find the money to cover any fee out of your own pocket, rather than it coming out of your pension.
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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 009 3388. Email: pensionaccess@harbourrockcapital.co.uk
© 2024 Pension Access. All right reserved.
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