We are authorised and regulated by the Financial Conduct Authority
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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.
50%
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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.
Power up with a Pension Access portfolio
Let’s look at how each of our main portfolios has performed compared with an industry benchmark2.
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 our portfolios.
3 ways you are protected with Pension Access
The Financial Conduct Authority
We are authorised and regulated by the Financial Conduct Authority. This means we must follow strict ethical and procedural guidelines to ensure everything we do is in our clients' best interests.
FSCS protected
Your savings will be protected by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your money back if the provider responsible for your pension fails.
The Financial Ombudsman Service
You will have access to the Financial Ombudsman Service.
Be a disciplined investor with Pension Access
Unlike many financial advisers, we invest our client’s money 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.
Inflation, pensions, and gilts
Pros and cons of consolidating your pensions
Hidden pension fees: An introduction
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
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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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
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What's in your info pack?
Taking pension money early isn’t right for everyone because it could leave you with a lot less to live on in retirement. That’s why it makes sense to talk with a regulated financial adviser first.
There is no obligation at all and if you choose to get a check of your pensions then we also include a pre-paid envelope and a consent form so we can access details of your pensions.
Your FREE information guide contains all the information you need to make an informed decision on whether or not taking tax free cash from your pension is right for you.
We're on hand in case you have any questions, and we aim to make the process of withdrawing cash from your pension as simple as possible.
We are regulated by the Financial Conduct Authority so you can rest assured that any advice we give will be based on your best interests.
Get your FREE info pack
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