Your pension check

Why it makes sense to get a head start before your 55th birthday.

Get started

Couple with bike on a walk | Pension check

Your pension check: get the ball rolling

Current legislation means that in almost all cases you must be 55 or over before you can withdraw money from your pension. You can get a head-start, though. In our experience, it can make a lot of sense to start checking your pension from 54 years and 6 months. Let’s explain why, and how to get the ball rolling.

Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement.

Why start checking your pension early?

The process of getting your pension checked and then releasing funds from it can take a while. In our experience it takes 12 weeks, on average, to get a client from initial request to summary stage. Depending on your current provider and how old or complicated the scheme is, the process can sometimes take longer.

By starting your pension check early, you are increasing the chances of getting the money you need released to your bank account as close as possible to your 55th birthday.

Couple using laptop to check their pension early

Mature man using laptop whilst on the phone

Get started with no obligation

If you are aged 54 and 6 months or over, you can start your pension check today. 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.

How it works in 3 easy steps

With our no obligation pension check discover what you could do with your pension.

Your permission

Complete and return a simple form giving us your permission to check your pension.

We analyse

Our team gathers and analyses all the information we need about you and your pension.

Your decision

We’ll send you a report, clearly stating what we think you should do. The choice is then yours.

If you decide to release some of your savings, we can take care of everything. This includes managing your pension for you. We would let you know in writing what the fee would be. Or, you can choose to walk away with nothing to pay.

Would you like a better pension?

In almost all cases, when we help clients to release money from their pension we transfer the rest of their retirement savings to a new, modern scheme. As a result of our investment philosophy and relationship with pension providers this could mean you benefit from:

Lower provider charges
Better pension performance

Click here to see how the numbers could add up for you…

0800 009 3388

Mon-Fri 9am-5pm

Why Pension Access?

Information on Pension Access

Legal

Latest

Pension legacy: securing your family's financial future

Unlocking retirement: The pros and cons of pension options at 55

Early pension withdrawal: navigating the pros, cons and key considerations

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

Cookies Policy

Always Active

Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies.

Name	Domain	Purpose	Expiry	Type
breakdance_view_count	pensionaccess.co.uk	---	54 years	---
breakdance_session_count	pensionaccess.co.uk	---	54 years	---
breakdance_last_session_id	pensionaccess.co.uk	---	54 years	---
PHPSESSID	pensionaccess.co.uk	PHP generic session cookie.	54 years	HTTP
wpl_user_preference	pensionaccess.co.uk	WP GDPR Cookie Consent Preferences	1 year	HTTP

Marketing

Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers.

Name	Domain	Purpose	Expiry	Type
_fbp	pensionaccess.co.uk	Facebook Pixel advertising first-party cookie	7 days	HTTP

Analytics

Analytics cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously.

Name	Domain	Purpose	Expiry	Type
_ga	pensionaccess.co.uk	Google Universal Analytics long-time unique user tracking identifier.	2 years	HTTP
MUID	bing.com	Microsoft User Identifier tracking cookie used by Bing Ads.	1 year	HTTP
MR	bat.bing.com	Microsoft User Identifier tracking cookie used by Bing Ads.	7 days	HTTP
IDE	doubleclick.net	Google advertising cookie used for user tracking and ad targeting purposes.	2 years	HTTP
_uetsid	pensionaccess.co.uk	Microsoft Bing Ads Universal Event Tracking (UET) tracking cookie.	1 days	HTTP

Preferences

Preferences

Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in.

Unclassified

Unclassified cookies are cookies that we are in the process of classifying, together with the providers of individual cookies.

Name	Domain	Purpose	Expiry	Type
pbid	pensionaccess.co.uk	---	6 months	---
pys_session_limit	pensionaccess.co.uk	---	Session	---
pys_start_session	pensionaccess.co.uk	---	54 years	---
CLID	www.clarity.ms	---	1 year	---
initialTrafficSource	pensionaccess.co.uk	---	1 month	---
__utmzz	pensionaccess.co.uk	---	1 month	---
__utmzzses	pensionaccess.co.uk	---	54 years	---
_clck	pensionaccess.co.uk	---	1 year	---
__trkey	pensionaccess.co.uk	---	1 month	---
pys_first_visit	pensionaccess.co.uk	---	7 days	---
pysTrafficSource	pensionaccess.co.uk	---	7 days	---
pys_landing_page	pensionaccess.co.uk	---	7 days	---
last_pysTrafficSource	pensionaccess.co.uk	---	7 days	---
last_pys_landing_page	pensionaccess.co.uk	---	7 days	---
_gcl_au	pensionaccess.co.uk	---	3 months	---
_uetvid	pensionaccess.co.uk	---	1 year	---
_ga_51X91LB2XQ	pensionaccess.co.uk	---	2 years	---
_clsk	pensionaccess.co.uk	---	1 days	---
_gu	pensionaccess.co.uk	---	1 year	---
_gs	pensionaccess.co.uk	---	54 years	---
_gw	pensionaccess.co.uk	---	1 year	---
test_cookie	doubleclick.net	A generic test cookie set by a wide range of web platforms.	Session	HTTP

Your pension check

Your pension check: get the ball rolling

Why start checking your pension early?

Get started with no obligation

How it works in 3 easy steps

Your permission

We analyse

Your decision

Would you like a better pension?

Get your free info pack

Where should we send your info pack?

Find Your address

Your address

Keeping in touch