Welcome to Pension Access

A Harbour Rock Capital service

In many cases, you can start withdrawing money from your pension from the age of 55. This means greater flexibility when it comes to planning for the future or tackling an immediate financial problem.

Yet, taking pension money early isn’t right for everyone as it will leave you worse off in retirement. That’s why so many people choose to get help from a financial adviser, such as Pension Access, before making any final decisions. We can help you avoid costly pitfalls, such as paying too much tax or giving up valuable benefits associated with your specific schemes.

Visit Pension Access

Service benefits

Get started for free

When we check your pension to see what we could do with it, our initial research is free. And for many clients we can provide full financial advice with no obligation. At any stage, if a fee is due, we will let you know exactly what that would be to continue. Or you can choose to walk away, better informed and with nothing to pay.

When it suits you

Our service is by phone, email and postal correspondence. There are no office appointments or home visits to factor in. We know our clients have busy lives, so everything happens when it suits you.

All taken care of for you

If our recommendation is to withdraw money from your pension and you agree with it, we will take care of the transfer for you, setting up a new low-cost pension for any remaining funds if that is what you choose to do.

Your options at a glance

Taking money early from your pot is also known as pension release. Broadly speaking there are three main options that you can mix and match. The information below assumes you have an eligible scheme.

Pension tax-free cash

You can withdraw the first 25% of your pension tax free. You can choose to take it all in one go or withdraw smaller lump sums as and when you need them. Once you reach your tax-free limit, any further withdrawals will be taxed at your marginal rate¹.

Pension drawdown

From the age of 55 you can choose to take a regular income from your pension. Most people choose to do this monthly or annually, supplementing their other income as they scale back their working hours.

Pension lump sums

You can also choose to take money from your pension as and when you need it. Like all your pension options, this needs careful management because taking too much money too soon will affect how much money you have to live on in the future. We can help you to manage this.

As part of our initial research, we will determine whether or not you have a pension that can be accessed early. We cannot help with the State Pension or certain types of civil service schemes known as unfunded pensions.

Be scam smart

To be sure you are not being scammed when seeking help with your pension, only use a financial adviser authorised and regulated by the Financial Conduct Authority:

• You will have access to redress through the Financial Ombudsman Service should their advice be unsuitable for you.

• They only recommend pension product providers that are authorised and regulated by the Financial Conduct Authority. So, through that provider your savings are covered by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your savings back if that pension provider fails.

Happy clients

What our clients have to say

With a 97% approval rating on reviews.co.uk our heart beats a little faster when we read what our clients have to say

Read more reviews

"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

¹ Tax treatment depends on your individual circumstances and may be subject to change.

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