• Taking money from your pension early is known as unlocking your pension or pension release.

    If you are aged 55 to 64 money can be released from both personal and company pensions-tax free. Typically you can take up to 25% of your pension now whilst leaving the remainder for when you retire. This service does not apply to state pensions.
  • This depends on a number of factors including the size of fund and your objectives.

    We will always identify the maximum benefits you are entitled to. In the majority of cases up to 25% of the transfer value of your pension can be released as a tax-free lump sum. There are ways in which you can release a little more, although the extra sum could be taxed.
  • Applying couldn’t be easier. The first stage is to simply fill in the short form to the right side of this page then send back your enquiry form so we can research your options.

    Remember, there is no cost to finding out your options and there is no obligation to pursue your enquiry. Our experts will give you sound free advice on the best way to unlock the tax-free cash in your pension.

This service only applies to pensions in the UK. Taking benefits early will almost certainly reduce your pension income in retirement and is only suitable for a limited number of people and circumstances. This should not be seen as an easy option for raising cash. To find out if you qualify please contact us.