What is a no obligation
pension check?

We are authorised and regulated by
the Financial Conduct Authority
Reviews widget will appear here
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. The initial investigation into your pension is free and in many cases you can go on to receive full advice with no obligation. This means receiving a report, clearly stating what the adviser thinks you should do with your pension, without having to pay a penny. The report should also state how much it would cost if you chose to follow the adviser’s recommendation for your pension.

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 review 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 free of charge. And in many cases you will be able to go on and receive full advice with no obligation. If you qualify for full advice with no obligation the minimum you should expect to receive is:
  • A clear picture of your current pension, how it’s performing 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 quote for how much it will cost you to follow the recommendation and how your pension would be managed in the future
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 financial advice with no obligation then we would send you a report detailing our recommendation and how much it would cost to follow our advice. If you asked us to act on this recommendation, generally you would have the option for any 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 should be 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.
0800 304 7288
Mon-Fri 9am-5pm
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.
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.

    Get your free info pack

    Where should we send your info pack?

    Please complete your details below and we'll send your information pack in the next available post

    Find Your address

    Type in your postcode or start typing your address then select from the drop-down list

    Your address

    We'll post your information pack here

    Keeping in touch

    We'll send you updates by email or text message. One of our specialists may call, just in case you have any questions about your pension. We’re big believers in never bombarding people with calls.

    Safety PadlockYour information is safe with us. Our calls are recorded for regulatory, legal and training requirements. Please see our privacy notice for information on our data practices here


    Hands using calculator to calculate home equity amount