Regulated financial advice

Get protection for you and your pension savings.
We are authorised and regulated by
the Financial Conduct Authority
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Why financial advice

The idea of pensions is simple: a pot of money for us to live on when we retire. And yet, like many financial tools, the rules and mechanisms surrounding pensions are far from straightforward. And the decisions we make with our savings from 55 could have a lasting impact on how we can afford to live our lives in the future.

This is why enlisting the help of a proven and regulated financial adviser makes so much sense.

On average, this is how much more pension wealth people have when they take financial advice.1
Mature lady reading paperwork | Why financial advice matters

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.

What our clients have to say

With a 97% approval rating on our heart beats a little faster when we read what our clients have to say.
"You were able to help me access my pension to release a tax free lump sum. This helped me and my family become debt free and I still had money left over."
- Kevin, Bridgewater
"I needed to release some funds from my pension for some home improvements and they sorted the whole process quickly and professionally. Excellent service."
- Jeremy, Walsall
"You helped me to get back on track as I was on shutdown. They got all the paperwork together so that I didn't have to. Thank you for all your help and support."
- Kevin, Birmingham

A brighter future for your pension savings

Even if you take your full 25% tax-free cash allowance, that’s 75% of your retirement savings that still need specialist care. We can take care of everything for you with our investment philosophy.
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Hands safely holding piggy bank

Our investment philosophy
in a nutshell

A broad spread of investment risk

Your pension savings will be invested in over 11,000 companies worldwide, rather than hundreds or even a few dozen.

Scientifically proven facts and processes

Compelling research from Nobel Prize winners.

Low fund management fees

Greater use of technology means constant market analysis, which helps drive down costs because of efficient trading.
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 speak with a regulated financial adviser first.

1What it’s worth, published by ILC UK (November 2019)
0800 009 3388
Mon-Fri 8am-6pm


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.
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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    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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