Cashing in on your final salary pension can allow access to your money sooner!

Transferring out of a final salary pension can give you early access to your money, see if this is right for you?

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  • ico Compare the UKs biggest pension providers
  • ico Expertise that provides peace of mind
  • ico Get absolute clarity, be clear on your future
  • ico Gain the protection of regulated advice
  • ico Get the retirement you deserve

    Transfer out of your final salary pension and you may be able to access your money sooner!

    Talk through your final salary pension transfer options with an expert advisor who will give you peace of mind that your doing the right thing!

    • Access cash sooner
    • If you die, funds can be inherited cash free
    • Do more with your money

    It’s free to compare products and speak to a qualified pension advisor today to ensure your pension is right for you.

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    53% increase in average UK income in retirement when working with a financial planner and setting goals

    Source: Old Mutual Redefining Retirement Survey

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    Customer Reviews

    Lynne Andrews

    “The whole process worked very smoothly from the initial discussion with the financial advisor explaining everything carefully through to the payment in short time”

    Lynne Andrews

    Star Star Star Star Star
    Mark Hayes

    “Excellent company, the staff really do everything to please you. James Pugh and Paul Massie are very talented and professional. They know the Lifetime mortgage lender market very well”

    Mark Hayes

    Star Star Star Star Star
    Carole Levsey

    “From start to finish the whole application was easy to understand and follow, any questions were quickly answered and dealt with. Would definitely recommend them to anyone considering a lifetime mortgage.”

    Carole Levsey

    Star Star Star Star Star
    Shirley Coleman

    “Very helpful, explained everything to me so that I could understand and they did not pressure me at all. I will definitely use them again if I need to. Everything, and stage went so smoothly and without hassle, thank you so much my team.”

    Shirley Coleman

    Star Star Star Star Star

    FAQs

    How can I increase my pension income?

    There are many different ways in which to increase your pension but the obvious way is to pay more money in. The earlier you start paying into a pension, the more time your money has to grow.

    What’s the best way to take my pension?

    You have a number of options to access the money in your pension pot. These can vary dependant on your circumstances and your current pension plan in place:

    • take some or all of your pension pot as a cash lump sum, no matter what size it is
    • buy an annuity – you can take a cash lump sum too
    • take money directly from the pension fund, and leave the rest invested (income drawdown) – there won’t be any restrictions for how much you can take
    • a mix of the these options.

    It’s important to know the different tax rules for each option.

    How long will my pension last in drawdown?

    There are a few factors which can affect how long your pension will last in drawdown. These factors consist of the following:

    • How much you have in your pension?
    • How much tax free lump sum will you take ?
    • How your pension pot will be invested?
    Will my pension run out?

    It is a possibility for your pension to run out so managing withdrawals and expectations from the outset could be a good idea to ensure your money lasts during retirement.

    How will my pension income be taxed?

    You will have to pay Income Tax on any income over your Personal Allowance. This applies to all your pension income, including the State Pension.

    Should I transfer my pension?

    It’s always a good idea to explore your options with your pension(s) to see what plans are available and which one might work best for you.

    What happens to my pension when I die?

    Certain pensions may be eligible to pass onto your loved ones but is always best to check your current plan to see if this is a feature.

    See if final salary pension transfer is right for you

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