Questions About Pension Release? We've Got Answers
- Understand how Pension Release works - legally and safely
- Find out if your pension may qualify for a cash payment
- Learn the difference between withdrawal and transfer
- Get peace of mind with FCA-regulated providers
How we can help
Could you release cash from an old work pension?
If you have an old work or company pension, it may be possible to release cash depending on your particular circumstances.
Read more
I want to retire early, what are my Pension Options?
It may be possible to release cash from your pension early.
Read morePension Release - Frequently Asked Questions
We understand there's a lot of confusion surrounding Pension Release. To help clear things up, we've compiled answers to the questions we're asked most often.
Q What is a dormant or frozen pension?
A dormant (or frozen) pension is a pension fund you are no longer contributing to and not currently drawing income from. These are usually pensions from past employers or old personal pension schemes.
We can help with active or dormant pensions, but not with pensions that you are getting income from. If you're already receiving payments from your pension, unfortunately you wouldn't be eligible for our Pension Release service.
Q What does "Pension Release" actually mean?
"Pension Release" typically refers to accessing funds from your pension before the age of 55. While some approaches to this are illegal and heavily taxed, we offer a fully compliant and legitimate alternative.
Instead of withdrawing funds, we help you transfer your pension to a trusted, FCA-regulated provider. As part of this process, you may receive a Pension Transfer Payment - a cash benefit based on the value of your pension - while your pension stays invested and intact for retirement.
Learn more about this on our What is Pension Release? page.
Q Is your pension review service really free?
Yes, it's 100% free - no upfront costs, no hidden fees. We offer a confidential, no-obligation pension review to assess your eligibility and walk you through your options.
If you choose to go ahead, our partner companies pay us a commission - you don't pay a penny for the review or the guidance we provide.
Q Can I release cash from my pension if I'm under 55?
Under UK pension rules, accessing pension funds before 55 is only allowed in very limited cases (such as serious ill health). That said, our service doesn't involve withdrawing money in the traditional sense.
Instead, we help you legally restructure your pension, keeping it fully invested. Through this transfer process, you could receive a cash payment while ensuring your retirement funds remain safe and growing.
Q What's the minimum pension value you work with?
Currently, the minimum pension fund we can work with is £40,000.
If you're unsure how much your pension is worth or who your provider is, we can help you track that down during your free review.
Q How much cash could I receive?
The cash payment you may receive depends on a number of factors, including:
- The total value of your pension
- The type of pension scheme it's in
- The policies of the provider you're transferring to
In some cases, you could receive a Pension Transfer Payment based on your pension value.
Contact us for a free assessment and a more accurate estimate based on your unique situation.
Q Will transferring my pension affect my retirement?
No - your pension remains invested and accessible at retirement age. We only work with trusted, authorised pension providers who continue to manage your fund in line with UK pension regulations.
Q Is this service safe and legal?
Yes. We only work with FCA-regulated pension providers and follow all HMRC and financial regulations. We do not offer early pension withdrawal schemes, which are illegal and could leave you with tax penalties of up to 55%.
Q What happens after the review?
Once we've reviewed your pension and confirmed eligibility, we'll:
- Present your options clearly
- Introduce you to a suitable provider (if you choose to move forward)
- Support you throughout the transfer process
- Help ensure any payment you're entitled to is processed correctly
The process is designed to be transparent, supportive, and completely tailored to you.
Q What if I have more than one pension?
Great news - we can help you consolidate multiple pensions into a single, streamlined plan. This not only makes management easier but could increase your potential payment and long-term returns.
Q How do I get started?
Getting started is simple:
- Fill out our contact form or give us a quick call
- We'll book your free, no-obligation review
- You'll get expert guidance on your options and next steps
Still have questions?
Call us today or fill out our contact form to speak to a member of our Pension Review Team today.