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Is there a particular product you want to find out more about? Or maybe you have a specific question in mind? If so, you are in the right place.
We are authorised and regulated by the Financial Conduct Authority
Releasing pensions:
What is pension release?
Pension release simply means taking money from your pension early. With the introduction of pension freedoms in April 2015, you can take as much of your pension as you wish from the age of 551. Providing you have an eligible scheme, this could be in the form of one-off lump sums or setting up a regular income. And the first 25% is tax-free. Any further withdrawals will count towards your annual income and could be subject to tax.
For more information visit: What is pension release?
What is pension freedoms?
For more information visit: What is pension freedoms?
Pension drawdown
For more information visit: Pension drawdown
Can I take all my pensions in one go?
For more information visit: Can I take all my pension in one go?
How much of my pension can I take?
For more information visit: How much of my pension can I take?
Can I take money from my private pension to buy a property?
For more information visit: Can I take money from my private pension to buy a property?
Can I take money from my pension at 55?
For more information visit: Can I take money from my pension at 55?
Is pension release legal?
For more information visit: Is pension release legal?
Can I access money from an opted out SERPS scheme?
For more information visit: Can I access money from an opted out SERPS scheme?
Can I transfer my pension to my bank account?
Pension funds can only be transferred to other pension schemes. Moving your money to a bank account would mean releasing your pension fund. Any money withdrawn from a pension is taxable as income so withdrawing your whole pension could result in a large tax bill. It is also important to consider that withdrawing money from a pension early isn’t right for everyone as it can leave you with less to live on later in life. Leaving your money in a bank account rather than a pension also leaves it vulnerable to inflation and poor interest rates.
For more information visit: Can I transfer my pension to my bank account?
Can I take my pension at 55 and still work?
For more information visit: Can I take my pension at 55 and still work?
How much tax will I pay if I release my pension funds while still working?
For more information visit: How much tax will I pay if I release my pension funds while still working?
What is flexi-access drawdown?
For more information visit: What is Flexi-access drawdown?
If I take 25% of my pension, what happens to the rest?
For more information visit: If I take 25% of my pension, what happens to the rest?
I’m taking my 25% tax-free lump sum, how will the rest be taxed?
For more information visit: I’m taking my 25% tax-free lump sum, how will the rest be taxed?
Types of pension:
What is an annuity?
For more information about annuities visit: What is an annuity?
What is a defined benefit pension?
For more information visit: What is a defined benefit pension?
What is a deferred pension?
For more information visit: What is a deferred pension?
What is a private pension?
For more information visit: What is a private pension?
What is an AVC pension?
For more information visit: What is an AVC pension?
Self-employed pensions
For more information visit: Self-employed pensions
What is SERPS?
For more information visit: What is SERPs?
What is a SSAS pension?
For more information visit: What is a SSAS pension?
What is a widow’s pension?
For more information visit: What is a widow’s pension?
What is a crystallised pension?
For more information visit: What is a crystallised pension?
What are private pensions and how do they work?
For more information visit: What are private pensions and how do they work?
State Pension:
What is the difference between a State Pension and a private or company pension?
For more information visit: What is the difference between a State Pension and a private or company pension?
What is State Pension age?
For more information visit: What is State Pension age?
Pension contributions:
How much should I pay into my pension?
For more information visit: How much should I pay into my pension?
How does tax relief work on pension contributions?
For more information visit: How does tax relief work on pension contributions?
Is there a limit to how much you can pay into a pension?
For more information visit: Is there a limit to how much you can pay into a pension?
Combining pensions:
How do I combine my pensions?
For more information visit: How do I combine my pensions?
Should I combine my pensions?
For more information visit: Should I combine my pensions?
Pension advice:
What is a no obligation pension check?
Find out more about your no obligation pension check here: What is a no obligation pension check?
Where can I get pension advice?
For more information visit: Where can I get pension advice?
How much does an independent financial adviser charge for pension advice?
For more information visit: How much does an independent financial adviser charge for pension advice?
Other questions:
What are the pension options in retirement?
- Take a regular income
- Take lump sums as and when you need to
- Keep your savings invested
- Take your tax-free cash, if you haven’t already
- Buy an annuity
- Combine multiple options to get the best outcome for you
Deciding the right option can be tricky. A regulated financial adviser can help you find the best option.
Find out more about your retirement options: What are the pension options in retirement?
Can I transfer my pension myself?
For more information visit: Can I transfer my pension myself?
How do I find my pension?
For more information visit: How do I find my pension?
What will my pension income be?
For more information visit: What will my pension income be?
How do I check my pension?
For more information visit: How do I check my pension?
How much is my pension worth?
For more information visit: How much is my pension worth?
Where can I find my National Insurance number?
For more information visit: Where can I find my national insurance number?
What is Pension Lifetime Allowance?
For more information visit: What is a pension lifetime allowance?
What is Money Purchase Annual Allowance?
For more information visit: What is money purchase annual allowance?
What is pension/retirement age?
For more information visit: What is pension/retirement age?
How to certify a document
For more information visit: How to certify a document?
What is the history of pensions?
Visit our pensions timeline page to find out some of the changes that could affect your future.
A quick reminder that the tax you pay depends very much on the current rules and your personal circumstances, and so could change in the future.