What is pension release?

Pensions Release or "unlocking" is the term used for taking the benefits from your pension before you retire and getting up to the maximum tax free cash and/or maximum income. Alternatively, you could release a cash lump sum and reinvest the balance until you retire.

Releasing your pension benefits early could reduce your income at retirement and therefore is only suitable for a limited number of people and circumstances.

It is highly recommended that you seek expert advice before you consider releasing your pension. We will conduct a FREE investigation to establish all benefits you are entitled to, in addition to providing you with NO OBLIGATION advice to assess whether pension release is right for you.

We specialise in pension release and use a selected panel of product providers.

Check this simple list to see if you qualify to find out if pension release is right for you:

I am aged 50 or over
I have a UK Pension
I am not taking benefits from this pension
I am not contributing to this pension
I need a cash lump sum and/or income

Do you qualify for pension release?

If you are aged 50 or over and have a UK pension plan that you are not receiving benefits from, then you could be eligible to receive a tax free cash sum and/or income.

If your answers to all these questions is YES and you would like us to conduct a FREE investigation into your pensions, please complete the ENQUIRY FORM on the right hand side.

One of our friendly and professional team will send you a FREE NO OBLIGATION information pack.

April 2010; Deadline approaches, could this affect you?

In April 2010, there is a change to pension legislation which means that the minimum retirement age increases from 50 to 55.

So, if you are looking to unlock your pension early and you are in your early 50’s then now is the time to contact us to start work. Pension release is not a quick process and we can start the FREE INVESTIGATION 3 months prior to your 50th birthday, although any lump sum and/or income will not be paid until you are 50 or over. Please complete the ENQUIRY FORM now if you would like us to proceed.

What happens next?

Please follow the step by step guide to see what happens next:

Step 1	Complete the enquiry form and if you qualify, either print off the subsequent Letter of Authority detailing your current pensions and return it to us at the address provided, or we will send you a brochure with the forms included for you to complete and return.
Step 2	On receipt of your completed forms, we'll conduct a free investigation to establish any pension benefits you maybe entitled to. Once all of the information from your pension company is received, we will assign your case to a specialist pension adviser.
Step 3	Your dedicated adviser will contact you to discuss your objectives and circumstances, before establishing the options available to you. The adviser will contact you again to discuss the most suitable option for you, before sending you a written report confirming their recommendation in plain English.
Step 4	If you decide to proceed, we will arrange all the necessary paperwork and ensure that you receive your tax free cash sum and/or income with minimum delay.

You are under no obligation at any time. If you decide not to proceed with Pension Release, then there are absolutely NO fees or costs payable at all. We only get paid if you release your pension.

Releasing your pension benefits early could reduce your income at retirement and therefore is only suitable for a limited number of people and circumstances. We specialise in pension release and only deal with a selected number of product providers.