Pension Access
Tax treatment depends on your circumstances and is subject to change

Pension peace of mind

We manage over £½ billion in pension savings for our clients: we can take care of everything for you, too.
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The value of ongoing
financial advice

Even if you take your full tax-free cash allowance, there’s still 75% of your savings that need specialist care and attention. That’s why the majority of our clients ask us to manage their pension for them, on an ongoing basis. And we can do the same for you, too.

As well as regular updates, portfolio rebalancing and an annual review of your savings, for an annual fee of just 1% there are many benefits you can take advantage of as a Pension Access client.

On average, this is how much extra pension wealth people have when they recieve financial advice at least
twice. 1
Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement.

Lower charges mean more
room to grow

Almost all pension providers levy what is called an annual management charge. Typically, these range from 0.5% to 1.5%. In contrast, the annual provider charges we negotiate for our clients are generally around 0.2%. This means more money stays in your pension with the potential to grow.
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Portfolio power

Let’s look at how each of the main portfolios we recommend for our clients has performed compared with an industry benchmark..2

Past performance is not a reliable indicator of future results. As with all investments, capital is at risk.
2The performance figures are based on 10-year average annualised returns as of February 2023. They do not take into account the impact of any associated charges, including financial advice. Source: FE Analytics. When we talk about the benchmark we are referring to an Investment Association average composition that matches the risk rating for each of the portfolios we offer.
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Be scam smart

To be sure you are not being scammed when seeking help with your pension, only use a financial adviser authorised and regulated by the Financial Conduct Authority:
  • You will have access to redress through the Financial Ombudsman Service should their advice be unsuitable for you.
  • They only recommend pension product providers that are authorised and regulated by the Financial Conduct Authority. So, through that provider your savings are covered by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your savings back if that pension provider fails.

Be a disciplined investor with Pension Access

Unlike many financial advisers, our clients' money is invested based on scientific insights rather than relying on educated guesswork. The aim of our investment strategy is that more often than not the investments you make through us will beat the average market return by a small yet significant amount. Find out more.
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1What it’s worth, published by ILC UK (November 2019)
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Information on Pension Access
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This website is aimed solely at UK investors subject to the UK tax regime.
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
© 2025 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.
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Note: We are unable to advise on the state pension or any pension you are already taking an income from.

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    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.

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