What Does Pension Release and Cashing In a Pension Early Involve?

Releasing funds from your pension before reaching the usual retirement age is sometimes called unlocking or pension release. It can be done with both personal and company pension schemes. For most individuals, this approach is unsuitable because withdrawing money early reduces the income available at retirement. Nonetheless, people may consider it for a variety of reasons, and major UK pension providers have developed flexible, low-cost products to accommodate this growing demand.

Why Is Your Early Pension Cash Service Provided at No Cost?

We aim to ensure our customers receive exceptional value, so we do not charge you any fees at all. There are no hidden costs. Instead, we recover our fees from pension companies and from the financial advisers or IFAs we work with. You can therefore enquire about cashing in your pension early without any obligations or direct expense.

Is It Possible to Meet the Adviser in Person?

Yes. Each client’s circumstances are handled individually to meet specific needs. We do not apply a single solution to everyone. Much of the process can be carried out using a mix of telephone, email, and Royal Mail correspondence, but face-to-face discussions are certainly an option.

Do You Provide a Free Early Pension Cash Review?

Yes. We offer a completely free, no-obligation review of your pension and a complimentary telephone consultation. We are always ready to address any questions you might have.  

What Is a Pension Annuity?

A pension annuity turns your accumulated pension pot into a guaranteed income for the rest of your life. It continues to pay out until you pass away, ensuring you do not run out of funds beforehand.  

How Long Will It Take to Receive My Pension Cash?

Timing depends largely on your pension provider. Once your written authority is received, the process typically spans 3 to 5 weeks, although some providers work faster than others. In some cases, it may be possible to access the cash within 3 weeks, but it can occasionally take longer.  

Where Should I Begin?

You are welcome to start by filling in our contact form located at the top of this page. We will be glad to guide you through your options.

What If I Join My New Employer’s Workplace Pension Scheme?

By enrolling in your employer’s workplace pension, you can opt to pay into both your personal pension and the employer’s scheme concurrently, as long as you remain within the annual allowance. You can also choose to pause contributions to your personal pension while leaving your existing investments in place.