How much does it cost?

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Without any obligation on your part we will:

  • Request all the necessary information we need from your pension providers;
  • Provide you with guides and information to help you to understand potential alternatives;

If we can help you we will arrange an appointment with one of our Qualified Pension Advisers, who will: 

  • Establish your financial circumstances and personal objectives
  • Carry out an analysis of your retirement provision & discuss any other alternatives you might have;
  • Conduct an analysis of your pensions to establish the options that are available to you and provide you with a copy of this in writing;
  • Discuss the results of our analysis with you on the telephone and provide further information where appropriate.
Any further work we undertake on your behalf will attract a charge for our services.
 
Following our initial consultation (without charge) we will tell you what the cost of our service will be before they are due; depending on the options available to you we offer a number of ways for you to pay our charges, they are:
  • By fee directly either via cheque payable directly or as a deduction from your lump sum, or
  • By commission indirectly from product charges when a new contract is required, or
  • By using a combination of a fee or commission.
The more complicated your circumstances the higher our charges will be; however, we do have a minimum charge of £1500 and a maximum charge of 7.5% of the value of your pension schemes.
 
Rest assured, you will know what our charges will be before you make any decision to commit to a transaction or chargeable service and there is no additional cost to you for using a means of distance communication (i.e. post or telephone). If our costs are paid via a fee and no new product is arranged then this fee may be subject to VAT.

Important Information

Taking any of your pension benefits early is likely to reduce your income at retirement. Therefore, pension release is only suitable for a very limited number of people and circumstances and should not be seen as an easy option for raising cash. This is because a pension is designed to provide you with benefits when you retire. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. The Financial Services Authority does not regulate some forms of tax advice, secured loans, unsecured loans, debt management and Wills. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.