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Pension Access
Tax treatment depends on your circumstances and is subject to change.

Your pension.
Made simple.

Discover what you could do from 55,
including taking up to 25% tax-free cash.

Get started
We are authorised and regulated by
the Financial Conduct Authority

Your pension.
Made simple.

Discover what you could do from 55,
including taking up to 25% tax-free cash.

Get started
We are authorised and regulated by
the Financial Conduct Authority

Your pension.
Made simple.

Discover what you could do from 55,
including taking up to 25% tax-free cash.

Get started
We are authorised and regulated by
the Financial Conduct Authority
Reviews widget will appear here

The numbers at a glance

How many UK pensions have been accessed for the first time since 2018

The number of UK clients we have already helped with their pensions

The amount of pension savings we manage for our clients
Taking pension money early isn’t right for everyone because it could leave you with less to live on in retirement.
That’s why it makes sense to talk with a regulated financial adviser first.

Get started for free

Our initial investigation into your pension is free. And in most cases we can continue to provide full advice with no obligation. At any stage you can choose to walk away, better informed and with nothing to pay.

Get started for free

Our initial investigation into your pension is free. And in most cases we can continue to provide full advice with no obligation. At any stage you can choose to walk away, better informed and with nothing to pay.

Regulated financial advice

Get greater protection for you and your pension savings
Get started
We are authorised and regulated by
the Financial Conduct Authority

What our clients have to say

With a 97% approval rating on reviews.co.uk our heart beats a little faster when we read what our clients have to say.

*Pension Access was known as Portafina at the time of the review.
More reviews
"You were able to help me access my pension to release a tax free lump sum. This helped me and my family become debt free and I still had money left over."
- Kevin, Bridgewater
"I needed to release some funds from my pension for some home improvements and they sorted the whole process quickly and professionally. Excellent service."
- Jeremy, Walsall
"You helped me to get back on track as I was on shutdown. They got all the paperwork together so that I didn't have to. Thank you for all your help and support."
- Kevin, Birmingham

What our clients have to say

With a 97% approval rating on reviews.co.uk our heart beats a little faster when we read what our clients have to say.

*Pension Access was known as Portafina at the time of the review.
More reviews
"You were able to help me access my pension to release a tax free lump sum. This helped me and my family become debt free and I still had money left over."
- Kevin, Bridgewater
"I needed to release some funds from my pension for some home improvements and they sorted the whole process quickly and professionally. Excellent service."
- Jeremy, Walsall
"You helped me to get back on track as I was on shutdown. They got all the paperwork together so that I didn't have to. Thank you for all your help and support."
- Kevin, Birmingham

Why financial advice
matters

The idea of pensions is simple: a pot of money for us to live on when we retire. And yet, like many financial tools, the rules and mechanisms surrounding pensions are far from straightforward. And the decisions we make with our savings from 55 could have a lasting impact on how we can afford to live our lives in the future.

This is why enlisting the help of a proven and regulated financial adviser makes so much sense.

On average, this is how much more pension wealth people have when they take financial advice.1

Why so many people are releasing pension money early2

reasons-for-pension-release

Why financial advice
matters

The idea of pensions is simple: a pot of money for us to live on when we retire. And yet, like many financial tools, the rules and mechanisms surrounding pensions are far from straightforward. And the decisions we make with our savings from 55 could have a lasting impact on how we can afford to live our lives in the future.

This is why enlisting the help of a proven and regulated financial adviser makes so much sense.

On average, this is how much more pension wealth people have when they take financial advice.1

On average, this is how much more pension wealth people have when they take financial advice.1

Pension release and final salary schemes

A final salary scheme is usually a company pension that promises to pay you a guaranteed income for life from a set age. Unlike a standard defined contribution pension, the income you receive is not dependent on how the investments perform. These types of pensions are increasingly rare and extremely valuable. In many cases you can release money early from these types of schemes; although, if it is worth £30,000 or more, you have to seek financial advice before you can do so. And from a regulatory point of view, the default position is to leave these types of pension as they are. This is because by releasing money early, you would be giving up that valuable guaranteed income for life. As we’ve said before, everyone’s circumstances are different, though.

Pension release and final salary schemes

A final salary scheme is usually a company pension that promises to pay you a guaranteed income for life from a set age. Unlike a standard defined contribution pension, the income you receive is not dependent on how the investments perform. These types of pensions are increasingly rare and extremely valuable. In many cases you can release money early from these types of schemes; although, if it is worth £30,000 or more, you have to seek financial advice before you can do so. And from a regulatory point of view, the default position is to leave these types of pension as they are. This is because by releasing money early, you would be giving up that valuable guaranteed income for life. As we’ve said before, everyone’s circumstances are different, though.

Pension release and final salary schemes

A final salary scheme is usually a company pension that promises to pay you a guaranteed income for life from a set age. Unlike a standard defined contribution pension, the income you receive is not dependent on how the investments perform. These types of pensions are increasingly rare and extremely valuable. In many cases you can release money early from these types of schemes; although, if it is worth £30,000 or more, you have to seek financial advice before you can do so. And from a regulatory point of view, the default position is to leave these types of pension as they are. This is because by releasing money early, you would be giving up that valuable guaranteed income for life. As we’ve said before, everyone’s circumstances are different, though.

More financial flexibility for you

The government changed the pension rules to give people more freedom and flexibility around how and when they access their retirement savings.
Discover what pension release could mean for you.

Do you qualify for pension release?

If you can answer yes to the following 3 questions, you could qualify for pension release through Portafina.
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Building a better home for your savings

If you take your full tax-free cash allowance, that’s 75% of your retirement savings that still need careful management. We take care of everything for our clients, including the buying and selling of shares.

We use a fund manager to do this. And unlike most UK financial advisers, we have access to what we believe is one of the best fund managers in the business. Dimensional.

3 ways you are protected
with Pension Access

The Financial Conduct Authority

We are authorised and regulated by the Financial Conduct Authority. This means we must follow strict ethical and procedural guidelines to ensure everything we do is in our clients' best interests.

FSCS protected

Your savings will be protected by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your money back if the provider responsible for your pension fails.

The Financial Ombudsman Service

You will have access to the Financial Ombudsman Service.

Our investment philosophy
in a nutshell

A broad spread of investment risk

Your pension savings will be invested in over 11,000 cmpanies worldwide, rather than hundreds or even a few dozen.

Scientifically proven facts and processes

Compelling research from Nobel Prize winners underpins our philosophy giving your savings the best possible chance to grow.

Low fund management fees

Greater use of technology means constant market analysis, which helps drive down costs because of efficient trading.

Three ways to invest your pension savings

When it comes to personal pensions the aim is to grow your investments as much as possible. There are three main approaches:

The predictor

Trying to predict the future is still the most common approach. The question is: are you happy for your pension savings to be invested based on what is essentially guesswork?

The tracker

Tracker funds aim to replicate the performance of a specific slice of one stock market (called an index) because history shows us stock markets have always risen over time.

The Pension Access

Our approach is about being disciplined, using: technology; a broader spread of investments, and scientifically proven facts to improve on the tracker philosophy.

Three ways to invest your pension savings

When it comes to personal pensions the aim is to grow your investments as much as possible. There are three main approaches:

How it works in 3 easy steps

With our no obligation pension check discover if pension lump sums are right for you.

If you decide to release some of your savings, we can take care of everything. This includes managing your pension for you. We would let you know in writing what the fee would be. Or, you can choose to walk away with nothing to pay.
How do I start pension release?
Simply complete our form and we will send you out the pack you need to get started.
Please note, accessing your pension early shouldn’t be seen as an easy way to raise money.

    Get your free info packWhats in the pack?

    Note: We are unable to advise on the government state pension or any pension you are already taking an income from.

    Where should we send your info pack?

    Please complete your details below and we'll send your info pack in the next available post

    Find Your address

    Type in your postcode or start typing your address then select from the drop-down list

    Your address

    We'll post your information pack here

    Keeping in touch

    We'll send you updates by email or text message. One of our specialists may call, just in case you have any questions about your pension. We’re big believers in never bombarding people with calls.

    Safety PadlockYour information is safe with us. Our calls are recorded for regulatory, legal and training requirements. Please see our privacy notice for information on our data practices here

    PRIVACY POLICY

    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
    © 2025 Pension Access. All right reserved.