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Be pension flexible: 5 key facts
Pension drawdown means from 55 you can take money from your pot whenever you like
The first 25% is tax free; after that each withdrawal is subject to income tax
You can set up a regular income payment, or take your money as and when you need it
The money left in your pot remains invested, with the aim of growing these investments as much as possible
Nominate who will receive any remaining funds in your pot when you die
Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement. That’s why it makes sense to talk to a financial adviser, such as Pension Access. Tax treatment depends on your individual circumstances and may be subject to change.
Get started for free
We can check to see if pension drawdown is right for you. Our initial investigation into your pension is free. And in most cases we can continue to provide full advice with no obligation. At any stage you can choose to walk away, better informed and with nothing to pay.
With our no obligation pension check discover if pension drawdown is right for you.
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 enter pension drawdown and 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.
Is pension drawdown right for you?
While there’s a lot to like about pension drawdown, the flexibility on offer can create a number of challenges.
You could end up with a large tax bill
You could run out of retirement savings too soon
Your pension investments need regular management
That's why it makes sense to speak with a regulated financial adviser before making any final decisions.
Protection for you and your pension
Through Pension Access, your pension savings are protected by the Financial Services Compensation Scheme up to £85,000 in the event your scheme provider fails. You also have access to the Financial Ombudsman Service.
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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.
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.
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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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