Unlock your pension

Frequently asked questions

How much does it cost?

We will obtain all the information we require regarding your pension and provide financial advice based upon this without obligation. If you do wish to proceed following our advice, any fees or commissions will be outlined in writing before we ask you for any commitment.

Can I raise the lump sum I need?

The lump sum available will depend upon the size and type of pension benefits you hold. We will establish the (maximum) lump sum you can obtain as part of our analysis.

How long will it take?

We cannot provide exact timescales as we are reliant upon pension companies to provide the information we require. Pensions can be complex and this is reflected in the time it takes to unlock pension benefits. In some cases this may take several months, but rest assured that our experienced specialist team will be in regular contact with your pension company and update you as to how your case is progressing.

Do I have to retire to take a lump sum?

No. You can continue to work and there is no need to retire from employment. Your State Pension will not become payable as a result of unlocking your private or company pension scheme.

I was told I would have to wait until age 60/65

We have helped thousands of people who have been told this. It is normally possible to obtain benefits from your pension if you are over 50. From April 2010 this limit will increase to age 55. However, unlocking your pension benefits prior to your normal retirement age will reduce your overall income in retirement and therefore we always recommend other more suitable courses of action where possible.

 

Do you have an urgent need to raise a cash sum?

  • Are you over 50?
  • Do you have a pension you're currently not receiving?
  • Then you could receive a tax-free cash sum and / or an income
Apply Now!

or alternatively call us free on 0800 952 0047 †

† from BT landlines, other network charges may vary.