Pension Access
Tax treatment depends on your circumstances and is subject to change.
55 or over and thinking about withdrawing money from your pension?
It could be an option, but there’s a lot that can go wrong. Find out more about what you could do and how to avoid costly mistakes.
Claim your free pension options guide
Trustpilot
Taking pension money early is not right for everyone as it will leave you worse off in retirement.

What you will get from your free guide

Planning what to do with your pension doesn’t have to be daunting. Your free guide provides all the insights and guidance you need to make great financial decisions, now and for the future.

Clarity around your pension options and which one might be right for you

Peace of mind that comes with knowing the potential pitfalls and how to avoid them

The benefits of using a qualified and experienced financial adviser 

We are authorised and regulated by the Financial Conduct Authority.
Claim your free pension options guide

Who are Pension Access?

If you decide to explore your pension options, we can take away the pain of trying to make sense of everything yourself:

Established: since 2018, we have helped over 16,000 people across the UK with their pensions

Trusted: we currently manage more than £500 million in pension savings for 10,000+ clients

Flexible: our service is by phone, email and post, so you can access it anywhere in the UK

Down to earth: we believe in open, honest conversations and plain English, not jargon

Accessible: we can advise on smaller pensions (from £15k), removing a big barrier to regulated help

Claim your free pension options guide

    Get your free info pack

    Please note: We are unable to help you with the government State Pension or any pension you are already taking a pension from.

    Where should we send your info pack?

    Please complete your details below and we will pop your guide in the post to you.

    Find Your address

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    Your address

    We'll post your information pack here

    Keeping in touch

    By submitting this form, you are consenting to Pension Access posting your guide, emailing you updates on pension planning and phoning you to see if you have any questions.

    Safety PadlockYour information is safe with us. Please see our privacy notice. You can unsubscribe at any time by clicking the link in our emails or by emailing adviseme@harbourrockcapital.co.uk

    PRIVACY POLICY

    What's in your info pack? Taking pension money early isn’t right for everyone because it could leave you with a lot less to live on in retirement. That’s why it makes sense to talk with a regulated financial adviser first. There is no obligation at all and if you choose to get a check of your pensions then we also include a pre-paid envelope and a consent form so we can access details of your pensions. Your FREE information guide contains all the information you need to make an informed decision on whether or not taking tax free cash from your pension is right for you. We're on hand in case you have any questions, and we aim to make the process of withdrawing cash from your pension as simple as possible. We are regulated by the Financial Conduct Authority so you can rest assured that any advice we give will be based on your best interests. Get your FREE info pack
    Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: adviseme@harbourrockcapital.co.uk
    © 2026 Pension Access. All right reserved.