in

If a lump sum or pension is available one of our consultants will contact you to determine your objectives and current circumstances. The more information you can provide the more comprehensive our advice will be. Following this consultation, we will then provide you with a report, detailing the benefits provided by your existing pension arrangements, and their relative importance to your overall retirement provision.

 

This report will also detail information relating to the potential alternative ways of meeting your objectives.

 

This report will form the basis for all future discussions.

 

Following receipt of this report, we will:

 

  • Determine how important you feel raising cash and/or income now is
  • Identify other ways of meeting your current objectives without the use of your pension
  • Refer you to other organisations where Pension Release is not an appropriate option for you
  • Advise you on the option we recommend if Pension Release is appropriate
  • Compare the pension benefits available now with what you could otherwise expect in retirement
  • Explain the guarantees and other benefits that you may be giving up by releasing your pension;
  • Explain any penalties and costs you may incur by releasing your pension;
  • Show how Pension Release could effect your State Benefits & tax position now & in the future;
  • Research the entire market for the best product, provider, and investment strategy
  • Confirm our costs for carrying out the transaction, and agree with you how you wish to pay
  • Summarise our discussions, analysis and recommendations in writing

 

Please note that we do not offer a non-advised/execution-only service, as we believe that your pension is very important and justifies taking time to provide advice. If you instruct us not to complete a full analysis we reserve the right not to act for you.

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.