Pension drawdown and you

The flexible way to make the most of your retirement savings.
We are authorised and regulated by
the Financial Conduct Authority
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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
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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 with no obligation

We can check to see if pension drawdown is right for you. 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 if pension drawdown is right for you.

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.
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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 009 3388. Email:
© 2024 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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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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    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.

    Safety PadlockYour information is safe with us. Our calls are recorded for regulatory, legal and training requirements. Please see our privacy notice for information on our data practices here


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