# Pension Access ## Posts - [The big budget summary: November 2025](https://pensionaccess.co.uk/blog/the-big-budget-summary-november-2025/): Perhaps the most surprising thing about Chancellor Rachel Reeves’ 25 November budget was the lack of surprises after the Office of Budget Responsibility (OBR) accidentally released the details on its website immediately prior her statement to the House of Commons. The overall theme was that income from work will continue to be supported (through the National Living Wage and the State Pension), while income from assets and higher levels of wealth will bear more of the tax burden. - [Pension legacy: securing your family's financial future](https://pensionaccess.co.uk/blog/pension-legacy-securing-your-familys-financial-future/): Ah, pensions – a word we are all familiar with, but often don’t know all that much about. There is so much to know about the complex world of pensions, and how best to use them. Have you ever considered the idea of using your pension as a tool for inheritance planning, leaving a lasting legacy for your loved ones? In this article, we’ll explore how your pension can help secure your family’s financial future and provide peace of mind for generations to come. The power of pension legacy Picture this: you’ve spent decades nurturing your pension, watching it grow […] - [Unlocking retirement: The pros and cons of pension options at 55](https://pensionaccess.co.uk/blog/unlocking-retirement-the-pros-and-cons-of-pension-options-at-55/): Picture this: you’ve just celebrated your 55th birthday, and amidst the well-wishes and festivities, a thought crosses your mind – “What are my retirement options now that I’ve hit this milestone?” Well, buckle up, because we’re about to embark on an informative and engaging journey through the world of pensions at 55. As a UK pension specialist, we’re here to guide you through the labyrinth of retirement options available to you at this pivotal age. We’ll explore the pros and cons of each choice, helping you make informed decisions that align with your unique circumstances and pension wishes. So, let’s […] - [Early pension withdrawal: navigating the pros, cons and key considerations](https://pensionaccess.co.uk/blog/early-pension-withdrawal-navigating-the-pros-cons-and-key-considerations/): Retirement planning is a crucial aspect of securing your financial future, and pensions play a significant role in ensuring a comfortable life after bidding farewell to the working world. In recent years, pension freedoms have opened up new opportunities for individuals aged 55 and above to access their pension pots early. While the prospect of early pension withdrawal may seem enticing, it’s essential to carefully consider the pros, cons and key factors before making any decisions. Meet Sarah, a 57-year-old nurse who has been diligently saving for her retirement. With her children grown up and her mortgage paid off, Sarah […] - [Stretch your pension in retirement: managing risk with pension drawdown](https://pensionaccess.co.uk/blog/stretch-your-pension-in-retirement-managing-risk-with-pension-drawdown/): In the ever-changing world of personal finance, retirement planning has taken on a new dimension with the introduction of pension drawdown. This option has opened up a world of possibilities for retirees looking to optimise their pension income and manage risk in retirement. In this article, we’ll explore how pension flexibility, and our comprehensive drawdown guide, can help you navigate this exciting yet complex landscape. The power of pension flexibility Pension flexibility – the key that unlocks the door to your retirement savings. With pension drawdown, you can access your pension pot, either by taking lump sums or a regular […] - [Where did all my old pensions go? How to find lost and forgotten pension pots](https://pensionaccess.co.uk/blog/where-did-all-my-old-pensions-go-how-to-find-lost-and-forgotten-pension-pots/): You’ve been meticulously managing your financial plans for years. These plans can become complex, often getting overlooked or forgotten as you navigate through various career transitions and life phases. You’re then faced with a question – have I lost track of any pensions along the way? The task of tracking down these pensions can seem daunting, however discovering them can significantly enhance your financial security for the future. Initial steps to locate old pensions To begin tracing your lost pensions, a strategic and organised approach is necessary. Start with: Why? This is often the quickest way to find contact details […] - [Should you cash out your pension early? Key questions to ask yourself first](https://pensionaccess.co.uk/blog/should-you-cash-out-your-pension-early/): You’ve been diligently paying into your pension for years. Now you’re approaching the minimum pension age of 55 and wondering – should I cash in my pension early? It’s a big decision. On one hand, having a large lump sum of cash can help with any immediate financial needs. But on the other, prematurely dipping into your pension will  leave you worse off in retirement.  There are pros and cons either way when weighing up whether to cash in your pension pot early. To help decide if it’s right for you, here are some key questions to ask yourself first.  […] - [Getting the most from your pension: tax tips to boost your retirement income](https://pensionaccess.co.uk/blog/getting-the-most-from-your-pension/): Navigating the intricate world of pensions and tax can be akin to embarking on a treasure hunt. With the right map and some savvy strategies, you can uncover ways to significantly boost your retirement fund. Let’s delve into the realm of pension taxation to simplify this complex topic and turn it into a golden opportunity for your retirement years. To make you aware, the following information is tailored to those with a defined contribution pension. Defined-benefit (final salary) pensions have different rules which is why it’s always best to speak to a regulated financial adviser before making any pension decisions. […] - [Bridging the pension gender gap: telling the story of a serious issue](https://pensionaccess.co.uk/blog/bridging-the-pension-gender-gap-telling-the-story-of-a-serious-issue/): Welcome to the world of pension parity – where equality is not yet a reality Imagine this: two individuals, let’s call them Pat and Chris, work the same job, for the same number of years, under the same gruelling boss. Yet, when the golden years of retirement roll around, Pat’s pension pot is brimming, ready for a life of leisure, while Chris’s is… let’s just say, not quite as pot-bellied. And here’s the twist – Chris is a woman. Welcome to the not-so-funny reality of the pension gender gap. The great pension divide: not just a punchline The pension gender […] - [A beginner’s guide to UK pensions: understanding your options](https://pensionaccess.co.uk/blog/a-beginners-guide-to-uk-pensions/): Looking ahead and keeping safe For many younger individuals, retirement is a distant thought. For these reasons, more immediate financial issues tend to take precedence, and it is easy to delay saving for post-work years. But the fact is, the earlier you start saving for your retirement, the more comfortable you are likely to be. Knowing where to start with understanding your pension options can be dauting, but once you understand the basics, you can be well on your way to a comfortable retirement. This article covers how pensions actually work and the different pensions you can put your money […] - [Understanding annuities: a comprehensive guide to retirement income](https://pensionaccess.co.uk/blog/understanding-annuities/): Although annuity is one of those terms that has become part of everyday speech, it still holds an element of mystery. Essentially, an annuity is one way you can use your defined contribution pension pot to set up an income. Thanks to pension freedoms, there are so many ways in which you can make your retirement pot work for you. Like all of your pension options, annuities can be complex to understand. This article breaks down exactly what annuities are, how they work, and some of the pros and cons you should be aware of. What is an annuity? An […] - [Inflation, pensions, and gilts](https://pensionaccess.co.uk/blog/inflation-pensions-and-gilts/): Inflation is having a large impact on the UK. It’s clear there is not only a need for budgeting for the here and now, but also a necessity to keep a keen eye on longer term savings, investments, and pensions. Fortunately, statistics show short-term issues like inflation are likely to get better in the long term, but that doesn’t mean the immediate and long term effects of inflation should be ignored. In this article we look at how specific investments are affected (explaining gilt yields) and how you can help your retirement savings stay on track. Global inflation hits new […] - [Pros and cons of consolidating your pensions](https://pensionaccess.co.uk/blog/pros-and-cons-of-consolidating-your-pensions/): Consolidating your pensions into one can boost growth. Get regulated financial advice to ensure you're getting the most out of your pension funds. - [Hidden pension fees: An introduction](https://pensionaccess.co.uk/blog/hidden-pension-fees-an-introduction/): Navigating the world of pensions without a professional guide can be daunting. When trying to determine the right scheme for your retirement needs, it is important to know all of your options. While exploring these options you need to keep potential hidden fees in mind. Costs deducted throughout the life of your investment can play an enormous part in your final retirement pot. This guide will explain what hidden pension fees are and how they may be impacting your pension. Being aware of these fees before you begin paying into a new pension can help to make sure you have […] - [Can salary sacrifice boost retirement savings?](https://pensionaccess.co.uk/blog/can-salary-sacrifice-boost-retirement-savings/): If you are looking for ways to boost your retirement savings, you may have heard of salary sacrifice. In this article, we are going to explore the pros and cons of salary sacrifice and what benefits you can really expect to see. First, we will explain the concept of salary sacrifice and how it can be used as a means of acquiring substantial non-cash benefits in a contract with your employer. Then, in the second part of this article, we will focus on whether it can be used to increase your pension, the pitfalls, and how it all really works. […] - [Sustaining your pension during illness: a survival guide](https://pensionaccess.co.uk/blog/sustaining-your-pension-during-illness-a-survival-guide/): If you are away from work for any reason, keeping payments going for everyday living can be a nightmare. Having to cope with an illness can make matters even more traumatic and complicated. Naturally, your priority will be dealing with paying for the here and now, and focusing on your health. However, it is still important to make sure your long-term needs – like your pension – are being considered too. This article  provides guidance on how you can safeguard your pension(s) during illness. The Essentials Employment Firstly, if you do not know already, you will need to find out […] - [Divorce and pensions: how to protect your retirement savings](https://pensionaccess.co.uk/blog/divorce-and-pensions-how-to-protect-your-retirement-savings/): Explore the intricate relationship between divorce and pensions. Gain insights on safeguarding assets and ensuring a just outcome. - [Guide to inflation](https://pensionaccess.co.uk/blog/guide-to-inflation/): Explore inflation's impact on finances in 2023. Learn to protect savings, investments & maintain purchasing power. - [5 great UK retirement locations](https://pensionaccess.co.uk/blog/5-great-uk-retirement-locations/): Are you dreaming of where to retire in the UK? Find out which retirement locations offer stunning scenery, rich culture, and a relaxed pace of life. - [Pension contributions and work breaks](https://pensionaccess.co.uk/blog/pension-contributions-and-work-breaks/): Taking a break from work can disrupt your retirement savings. Explore how you can fill the gaps in your pension fund with pension contributions. - [Should I start a pension for my child?](https://pensionaccess.co.uk/blog/should-i-start-a-pension-for-my-child/): Find out the benefits of savings toward your child's retirement now. Learn how tax-benefits build funds faster through compound interest. - [Do your children need to understand pensions?](https://pensionaccess.co.uk/blog/do-your-children-need-to-understand-pensions/): Teaching kids about money early provides lifelong benefits. Introduce concepts like saving through play and foster good money habits. - [The hidden charges eroding your pension](https://pensionaccess.co.uk/blog/the-hidden-charges-eroding-your-pension/): Pension charges can significantly reduce retirement savings if left unchecked. Get professional advice before transferring pensions to avoid pitfalls. - [Understanding tax and pensions](https://pensionaccess.co.uk/blog/understanding-tax-and-pensions/): Tax relief on pension contributions can boost your retirement savings. With savvy planning, you can optimise pensions for retirement. - [What makes a happy retirement?](https://pensionaccess.co.uk/blog/what-makes-a-happy-retirement/): Retirement planning is essential to secure your ideal future. With proper preparation, your golden years can be fulfilling and fun. - [What is the State Pension triple lock, and can you afford to live without it?](https://pensionaccess.co.uk/blog/what-is-the-state-pension-triple-lock-and-can-you-afford-to-live-without-it/): Find out what the triple lock could mean for you State Pension - [The role of annuities in retirement planning](https://pensionaccess.co.uk/blog/the-role-of-annuities-in-retirement-planning/): Are annuities something to consider when planning for retirement? Understand the types of annuities available... - [Can I inherit my partner's pension?](https://pensionaccess.co.uk/blog/can-i-inherit-my-partners-pension/): Learn about inheriting pensions in this informative article. Find out if you can inherit your partner’s state and private pensions. - [How to increase your home equity](https://pensionaccess.co.uk/blog/how-to-increase-your-home-equity/): The best ways to increase the value of your home and reduce the amount you owe. - [Checklist: preparing for retirement](https://pensionaccess.co.uk/blog/checklist-preparing-for-retirement/): Get ready for retirement, no matter how far away it is. Learn how to prepare financially with this comprehensive checklist. - [How adding pension contributions to your self-assessment form could increase your tax relief](https://pensionaccess.co.uk/blog/how-adding-pension-contributions-to-your-self-assessment-form-could-increase-your-tax-relief/): Make sure you claim back the tax you are owed - [Christmas gift ideas for your retired loved ones](https://pensionaccess.co.uk/blog/christmas-gift-ideas-for-your-retired-loved-ones/): Looking for Christmas gift ideas for your retired loved ones? Discover 8 great gift suggestions that are perfect for retirees. - [Should women be worried about having to work past retirement age?](https://pensionaccess.co.uk/blog/should-women-be-worried-about-having-to-work-past-retirement-age/): It could be harder for women to fund their retirement provisions than it is for men - [What happened to SERPS?](https://pensionaccess.co.uk/blog/what-happened-to-serps/): Find out what happened to your SERPS payments and how to track them down. - [Is pension drawdown right for you?](https://pensionaccess.co.uk/blog/is-pension-drawdown-right-for-you/): Considering pension drawdown? Find out if it’s the right option for you. - [Overcoming unemployment when facing ageism in the workplace](https://pensionaccess.co.uk/blog/overcoming-unemployment-when-facing-ageism-in-the-workplace/): Discover how to plan for your future in the run up to retirement when struggling to find employment. - [How does inflation impact your pension?](https://pensionaccess.co.uk/blog/how-does-inflation-impact-your-pension/): Discover all you need to know about inflation and your pension. Learn strategies to safeguard your future finances... - [How does the UK State Pension compare?](https://pensionaccess.co.uk/blog/how-does-the-uk-state-pension-compare/): Find out how the UK State Pension compares to other countries. - [6 ways to build up a retirement fund when starting late](https://pensionaccess.co.uk/blog/6-ways-to-build-up-a-retirement-fund-when-starting-late/): It’s never too late to start your retirement fund. Get started today. - [Would you like to save on your monthly food costs? These 5 spending tips will put money back in your pocket](https://pensionaccess.co.uk/blog/would-you-like-to-save-on-your-monthly-food-costs-these-5-spending-tips-will-put-money-back-in-your-pocket/): Discover 5 simple ways to save money on your food shop - [A poor credit score can jeopardise your financial future. Here are 5 ways to boost your credit](https://pensionaccess.co.uk/blog/a-poor-credit-score-can-jeopardise-your-financial-future-here-are-5-ways-to-boost-your-credit/): Discover how to boost your credit score, even if you’re starting from scratch - [All about Collective Defined Contribution (CDC) pensions](https://pensionaccess.co.uk/blog/all-about-collective-defined-contribution-cdc-pensions/): Collective Defined Contribution pension schemes, or CDCs for short, offer an alternative to the UK’s two primary pension scheme models, Defined Contribution (DC) and Defined Benefit (DB). - [Your pension and the cost-of-living crisis](https://pensionaccess.co.uk/blog/your-pension-and-the-cost-of-living-crisis/): Find out if using your pension to help with rising costs is right for you - [Budgeting tips to help with the cost of living crisis](https://pensionaccess.co.uk/blog/budgeting-tips-to-help-with-the-cost-of-living-crisis/): Discover some budgeting tips to make your money spread a little further during the current cost-of-living crisis... - [How do you view retirement?](https://pensionaccess.co.uk/blog/how-do-you-view-retirement/): Our perception of retirement has changed over the years. Here’s how to turn retirement into something we can look forward to. - [Retirement countdown: are you ready?](https://pensionaccess.co.uk/blog/retirement-countdown-are-you-ready/): Retirement is an important stage in all our lives. Find out how to prepare and get yourself in the best position in the run up to retirement. - [Finance jargon buster](https://pensionaccess.co.uk/blog/finance-jargon-buster/): Explore the meanings of the words and concepts most common in financial speak to make understanding your pension, savings, and investments easier. - [Bucket list for health, happiness, and financial stability](https://pensionaccess.co.uk/blog/bucket-list-for-health-happiness-and-financial-stability/): Take a look at some of the top ways to stay happy and healthy throughout retirement, as well as things you need to consider in terms of your finances. - [Top tips: reducing household bills and saving for retirement](https://pensionaccess.co.uk/blog/top-tips-reducing-household-bills-and-saving-for-retirement/): With energy bills hitting the headlines, it’s never been more essential to reduce costs. Here’s a few ways you can save money today to secure a brighter future. - [New year 2022: a time to look long-term?](https://pensionaccess.co.uk/blog/new-year-2022-a-time-to-look-long-term/): Discover how you can make this the year to finally start enhancing your pension savings. - [Your pension savings have extra protection with new legislation](https://pensionaccess.co.uk/blog/your-pension-savings-have-extra-protection-with-new-legislation/): The Pension Schemes Act 2021 gives your pension savings extra protection. Keep your hard-earned money safe by knowing how to spot a scam. - [Top Tips for saving on food shopping](https://pensionaccess.co.uk/blog/top-tips-for-saving-on-food-shopping/): The weekly food shop doesn’t have to cost an arm and a leg. Follow some simple steps to help put money away for future plans. - [Can I retire early?](https://pensionaccess.co.uk/blog/can-i-retire-early/): Retiring early requires a lot of careful planning. Find out what you can do to make this dream a reality. - [How to find lost pensions and enhance your future](https://pensionaccess.co.uk/blog/how-to-find-lost-pensions-and-enhance-your-future/): It can be easy to forget about old pensions you may have had. Here’s how to locate those pension and leave yourself better off for retirement. - [Suspension of the State Pension triple lock](https://pensionaccess.co.uk/blog/suspension-of-the-state-pension-triple-lock/): The State Pension is an important piece of financial support. Find out how it has changed, how it has been impacted by Covid, and what this means for your pension. - [5 common pension myths debunked](https://pensionaccess.co.uk/blog/5-common-pension-myths-debunked/): From tax-free cash to the State Pension, get the facts that will help you to make the most of your retirement savings. - [Gender, pensions and maximising your fund](https://pensionaccess.co.uk/blog/gender-pensions-and-maximising-your-fund/): Gender pay inequality still exists in the UK, and this could affect your pension. Here are some simple ways to bridge that gap, giving your savings every opportunity to grow. - [Could cryptocurrencies be a good retirement investment?](https://pensionaccess.co.uk/blog/could-cryptocurrencies-be-a-good-retirement-investment/): Stories of stunning gains has thrust cryptocurrencies into the investment limelight. Yet are they a suitable investment for your retirement planning. Discover more. FCA regulated. - [How to make opting-in to your employer’s pension fail-safe](https://pensionaccess.co.uk/blog/how-to-make-opting-in-to-your-employers-pension-fail-safe/): Discover why remaining opted-in to your workplace pension is a no brainer. And find out what you should do if and when you leave your job. FCA regulated. - [Taking the stress out of saving for the future](https://pensionaccess.co.uk/blog/taking-the-stress-out-of-saving-for-the-future/): Knowing what money you have coming in each week or month, and what money you have at your fingertips, is half the battle to financial peace of mind. Sometimes, when money is a cause for concern, it’s easier, and understandable, for people to avoid the issue: what I can’t see won’t hurt me. The result is further monetary issues and a lot of stress. Treat your money to time and attention To fund a great future and get out of the debt cycle, you need to monitor where your money is and how you can use it. It may mean […] - [Great tips for saving, whatever your income](https://pensionaccess.co.uk/blog/great-tips-for-saving-whatever-your-income/): You don’t have to have a big income to save for the future. How much you can save for the years ahead is just as much about your mindset – the value you place on preparing financially – as to how cleverly you use the resources you have at hand. Retirement is likely to hit us all at some stage and now, in the 21st century, through saving well we have the opportunity to make that post-work period not only comfortable, but a time to explore that exciting bucket list. Saving money to fund retirement is as important as saving […] - [Retirement Planning: Is downsizing right for you?](https://pensionaccess.co.uk/blog/retirement-planning-is-downsizing-right-for-you/): Are you thinking of downsizing? After living in a society where going large is almost a status symbol, the idea of going small may seem a little odd – and may leave you feeling a little uncomfortable. But in middle age and on the approach to retirement, more and more people are finding it not only necessary but beneficial both socially and financially to downsize.  What is downsizing? The natural goal throughout our lives in western society is to aim big and get bigger. It is a sign of status when we have more possessions, more property, and more space. […] - [Taking pension money early: finding the perfect home for your investment](https://pensionaccess.co.uk/blog/taking-pension-money-early-finding-the-perfect-home-for-your-investment/): Being able to withdraw savings from your pension at 55 can be a very welcome benefit. It can introduce a whole new resource into your available finances. But it should be handled with caution – your hard-earned savings were originally meant to support you in your retirement years, and they still should. “So, it is vitally important to ensure that if you do take money from you pension pot there will be sufficient investment left to support you in later years.” Releasing pension money early is not right for everyone as it will leave you worse off in retirement. So, […] - [Can I withdraw my pension from abroad?](https://pensionaccess.co.uk/blog/can-i-access-my-pension-from-abroad/): Perhaps one of the most popular retirement dreams is living in that idyllic setting abroad. This could be the time when you can finally create that second family home in paradise or that favourite holiday spot where the sun always shines and the tide never goes out. But is it viable as far as funding goes? And if you do decide to live abroad, can you take your pension with you? Will you have all the pension and tax benefits you would enjoy if you were still resident in the UK? “In this article we are going to look at […] - [What will my retirement look like?](https://pensionaccess.co.uk/blog/what-will-my-retirement-look-like/): Retirement planning doesn’t have to be overwhelming. Follow some simple steps now to help you make the most of your savings in the future. FCA regulated. - [Your pension: the good, the bad and the tax](https://pensionaccess.co.uk/blog/your-pension-the-good-the-bad-and-the-tax/): Pensions come with lots of tax breaks and benefits that make them one of the most powerful savings tools most of us will ever have. FCA regulated. - [How do my pension options change at 55?](https://pensionaccess.co.uk/blog/how-do-my-pension-options-change-at-55/): From tax-free cash to drawing a regular income. Discover your pension options from 55 and the risks associated with taking pension money early. FCA regulated. - [The State Pension: Is it enough to live on?](https://pensionaccess.co.uk/blog/the-state-pension-is-it-enough-to-live-on/): You only have to look at current State Pension rates to see that it is unlikely to be able to compete with average salaries. So, if when you retire you rely on just the State Pension as a source of income, will you have enough to live on? Perhaps realistically the State Pension should be seen as a good starting point for your retirement savings, rather than the be all and end all. It is likely you will need other forms of income. Today in 2021, there are real concerns for those who have not financially prepared for their later […] - [Is Pension Access a reputable company?](https://pensionaccess.co.uk/blog/is-pension-access-a-reputable-company/): Pension Access has a rating of 4.77 out of 5 on reviews.co.uk. We specialise in pensions and retirement planning, and we currently manage over £½ billion in pension savings for our clients. Every 1 hour and 6 minutes someone in the UK asks Pension Access to help them with their pension. Your pension and the value of financial advice You might be tempted to manage your pension savings yourself. And the DIY approach can work for some people. But it’s not easy. There’s a lot of admin, portfolio checking and complex financial decisions to make. And if you make a […] - [The difference between financial guidance and advice](https://pensionaccess.co.uk/blog/the-difference-between-financial-guidance-and-advice/): Find out who you can turn to for guidance and advice to help make the most of your pension... - [Move over Millennials. Generation X have it tough too…](https://pensionaccess.co.uk/blog/generation-x-retirement-plan/): Five steps to creating a successful plan for your retirement - [Can you spot the real pension terms from the fake?](https://pensionaccess.co.uk/blog/can-you-spot-the-real-pension-terms-from-the-fake/): Do you know your LOL from your FLUMPS? Test your pension knowledge and find out how you compare to the nation… - [Financial education in schools: the damaging effect revealed](https://pensionaccess.co.uk/blog/financial-education-in-schools-the-damaging-effect-revealed/): Brits wish they had learnt these 10 financial skills at school… - [10 commandments of managing money](https://pensionaccess.co.uk/blog/10-commandments-of-managing-money/): Pension Access reveals their 10 commandments for managing money… - [Can I leave my pension to my child?](https://pensionaccess.co.uk/blog/can-i-leave-my-pension-to-my-child/): Discover how you could be able to leave your pension to your child, and whether they would need to pay inheritance tax... - [8 top tips for increasing retirement savings](https://pensionaccess.co.uk/blog/8-top-tips-for-increasing-retirement-savings/): Boosting your pension pot could be easier than you think. Here's what you need to know... - [How to give your child a financial head-start in adult life](https://pensionaccess.co.uk/blog/how-to-give-your-child-a-financial-head-start-in-adult-life/): We reveal three ways you could give your child a financial head-start in adult life, including a not so obvious choice... - [9 things to do in retirement](https://pensionaccess.co.uk/blog/9-things-to-do-in-retirement/): If you're thinking about what you could do once the 9-5 is behind you, take a look at these nine ideas... - [Is your pension clock ticking?](https://pensionaccess.co.uk/blog/is-your-pension-clock-ticking/): Time flies. And leaving saving for your future until it is too late could end up costing you thousands... - [Five ways to quickly spot a pension scam](https://pensionaccess.co.uk/blog/how-to-stay-safe-and-not-fall-for-the-pension-scam-tricks/): A pension scam could take your hard-earned savings. We reveal how you could safeguard your future... - [How does your pension knowledge compare?](https://pensionaccess.co.uk/blog/the-pensions-quiz/): Put your pension knowledge to the test and see if you can answer these 6 questions... - [5 ways to maximise your pension savings](https://pensionaccess.co.uk/blog/5-ways-to-maximise-your-pension-savings/): While it's difficult to know what age you will retire, there are 5 ways you could maximise your pension savings... - [How to de-clutter your finances](https://pensionaccess.co.uk/blog/how-to-de-clutter-your-finances/): From pensions to debt, discover how you could organise your finances for a stress-free happier life... - [Why opting out of auto-enrolment could cost you thousands](https://pensionaccess.co.uk/blog/opting-out-of-auto-enrolment-could-cost-you-thousands/): While saving into your pension might not be top of your to-do list, opting out of a workplace pension could cost you thousands... - [Why so many over 55s take pension cash early](https://pensionaccess.co.uk/blog/why-so-many-over-55s-took-pension-cash-early/): We share the 4 things you need to know if you're thinking about taking money from your pension... - [Find out what 77% of Brits can’t afford without their parent’s help](https://pensionaccess.co.uk/blog/bank-of-mum-and-dad/): From a first car to a house deposit, we reveal the key life purchases parents help their children with, and how much money they gift... - [Twelve pension jargon terms you need to know](https://pensionaccess.co.uk/blog/pensions-your-jargon-buster/): Understand pension terminology in plain and uncomplicated English with the Pension Access jargon buster... - [Fact or fiction? 5 pension myths busted!](https://pensionaccess.co.uk/blog/5-pension-myths-busted/): We dispel the most common pension myths and share what options could be possible for you... - [Why you could have more savings than you think](https://pensionaccess.co.uk/blog/why-you-could-have-more-savings-than-you-think/): More jobs, more pensions. Discover if your old pensions are doing little more than gathering dust... - [Be more me, myself and I, when it comes to your future plans](https://pensionaccess.co.uk/blog/be-more-me-myself-and-i/): Discover what is preventing the nation from saving for their future and the top 5 aspirations of over 45's... - [Brits’ top life admin tasks they avoid. How do you compare?](https://pensionaccess.co.uk/blog/brits-top-life-admin-tasks-they-avoid-how-do-you-compare/): Putting off everyday tasks could prove costly. We reveal which admin tasks the nation is mostly likely to avoid... - [What kind of risk-taker are you?](https://pensionaccess.co.uk/blog/what-kind-of-risk-taker-are-you/): From quitting a job to driving with an empty tank, discover what risks Brits are prepared to take in everyday life... - [Life in the smart lane](https://pensionaccess.co.uk/blog/life-in-the-smart-lane/): How likely are you to take a calculated risk? We reveal the 5 things people are most likely to take a risk on... - [Like father like son?](https://pensionaccess.co.uk/blog/like-father-like-son/): How influential are parents when it comes to our own spending habits and do we ever stop asking for financial advice? - [Brits’ top treats…how do you compare?](https://pensionaccess.co.uk/blog/brits-top-treats-how-do-you-compare/): We all like a treat every now and then but how much do these pick-me-ups really set us back..? - [5 questions answered about NEST pensions](https://pensionaccess.co.uk/blog/5-questions-answered-about-nest-pensions/): One type of workplace pension you could be enrolled in is a NEST pension. Here's what you need to know... - [Saving for your grandchild’s future: The facts!](https://pensionaccess.co.uk/blog/saving-for-your-grandchilds-future-the-facts/): What is the best way to save for your grandchild’s future? From bank accounts to pensions, Pension Access offers a guide to help you find the very best options… - [Can Local Government Pension Schemes be accessed at 55?](https://pensionaccess.co.uk/blog/breaking-the-myth-can-local-government-pension-schemes-be-accessed-at-55-or-not/): We reveal what you need to consider if you're thinking about your LGPS options... - [Children think their teachers earn £200,000 per year](https://pensionaccess.co.uk/blog/children-think-their-teachers-earn-200000-per-year/): We asked 1,500 children about value and money. Here's what their answers revealed... - [7 little-known factors that could affect your pension](https://pensionaccess.co.uk/blog/7-little-known-factors-that-could-affect-your-pension/): Look into retirement savings as early as possible. Here are 7 factors which may affect the size of your pension pot and its performance in the future. ## Pages - [Accessibility](https://pensionaccess.co.uk/accessibility/) - [EXC Annual Review Survey](https://pensionaccess.co.uk/forms/exc-annual-review-survey/) - [One Year Reminder Form](https://pensionaccess.co.uk/forms/one-year-reminder-form/) - [Suitability Report Survey](https://pensionaccess.co.uk/forms/suitability-report-survey/) - [EXC Closures Survey](https://pensionaccess.co.uk/forms/exc-closures-survey/) - [Portal questionnaire](https://pensionaccess.co.uk/forms/portal-questionnaire/) - [Pension lump sums](https://pensionaccess.co.uk/guides/pension-lump-sums-the-ultimate-guide/) - [Consent Form EXT](https://pensionaccess.co.uk/forms/consent-form-ext/) - [Removals](https://pensionaccess.co.uk/forms/removals-2/) - [Pension options at 55](https://pensionaccess.co.uk/guides/pension-options-at-55/) - [Pension withdrawal](https://pensionaccess.co.uk/guides/pension-withdrawal/) - [Claiming private pensions early](https://pensionaccess.co.uk/guides/claiming-private-pensions-early/) - [Pension drawdown](https://pensionaccess.co.uk/guides/pension-drawdown/) - [Pensions and Tax](https://pensionaccess.co.uk/guides/pensions-and-tax/) - [Finding pensions](https://pensionaccess.co.uk/guides/finding-pensions/) - [Cashing in your pension](https://pensionaccess.co.uk/guides/cashing-in-your-pension/) - [Removal Confirmation](https://pensionaccess.co.uk/forms/removal-confirmation/) - [CR removals](https://pensionaccess.co.uk/forms/cr-removalsa/) - [Restricted Funds Panel](https://pensionaccess.co.uk/restricted-funds-panel/) - [How much pension money can you take?](https://pensionaccess.co.uk/download/how-much-pension-money-can-you-take/) - [Your guide to personal pensions](https://pensionaccess.co.uk/download/your-guide-to-personal-pensions/) - [Your guide to the pension freedoms](https://pensionaccess.co.uk/download/your-guide-to-the-pension-freedoms/) - [Pension tax-free cash: 5 common pitfalls and how to avoid them](https://pensionaccess.co.uk/download/pension-tax-free-cash-5-common-pitfalls-and-how-to-avoid-them/) - [The story of the disciplined investor](https://pensionaccess.co.uk/download/the-story-of-the-disciplined-investor/) - [Withdrawal Feedback](https://pensionaccess.co.uk/forms/withdrawal-feedback/) - [Closure Survey](https://pensionaccess.co.uk/forms/closure-survey/) - [Annual Review Survey](https://pensionaccess.co.uk/forms/annual-review-survey/) - [Consent Form](https://pensionaccess.co.uk/forms/consent-form/) - [Pension advice](https://pensionaccess.co.uk/discovery/pension-advice/) - [Types of Pensions](https://pensionaccess.co.uk/discovery/types-of-pensions/) - [Pension benefits](https://pensionaccess.co.uk/discovery/pension-benefits/) - [Managing Pensions](https://pensionaccess.co.uk/discovery/managing-pensions/) - [Pension basics](https://pensionaccess.co.uk/discovery/pension-basics/) - [How to certify a document?](https://pensionaccess.co.uk/faq/how-to-certify-a-document/) - [Where can I find my National Insurance number?](https://pensionaccess.co.uk/faq/where-can-i-find-my-national-insurance-number/) - [What is a no obligation pension check?](https://pensionaccess.co.uk/faq/what-is-a-no-obligation-pension-check/) - [FAQ](https://pensionaccess.co.uk/faq/) - [The pension timeline](https://pensionaccess.co.uk/the-pension-timeline/) - [Thank you TFC reason](https://pensionaccess.co.uk/survey/thank-you-tfc-reason/) - [Thank you np](https://pensionaccess.co.uk/survey/thank-you-np/) - [Thank you](https://pensionaccess.co.uk/survey/thank-you/) - [Survey](https://pensionaccess.co.uk/survey/) - [Thank you](https://pensionaccess.co.uk/share/cv/thank-you/) - [CV](https://pensionaccess.co.uk/share/cv/) - [Why pension release?](https://pensionaccess.co.uk/why-pension-release/) - [Discovery](https://pensionaccess.co.uk/discovery/) - [Prism fund](https://pensionaccess.co.uk/prism-fund/) - [Upload](https://pensionaccess.co.uk/upload/) - [Blog](https://pensionaccess.co.uk/blog/) - [Your investments](https://pensionaccess.co.uk/yourinvestments/): Your investment information We are authorised and regulated by the Financial Conduct Authority Reviews widget will appear here richSnippetReviewsWidgets(“text-banner-widget”, { store: "portafina-co-uk", starsClr: "#b8cece", textClr: "#313131", logoClr: "black", widgetName: "text-banner" }); 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