Pension Advice Made Simple

Early Pension ReleaseADVICE & HELP

Welcome to Unlock My Pension, the site that helps you understand the rules about pensions and how they affect you.

Pensions are one the few things that people share in common- everybody needs some form pension. However, the rules, regulations and strategies involved in pension saving and withdrawal can be confusing. You will need to think about the different types of pension, how your retirement savings interact with the UK tax regime and how best to plan for a time when you are no longer working.

At Unlock My Pension, we’re here to help. We provide you with advice and in-depth guides to pensions and pension unlocking in the UK.

  • Where did we come from? Open or Close

    Pensions are incredibly important: we all need to save for our retirement. The difficulty however, is that the rules  and regulations surrounding pensions are complex.  Often when people need advice on how they can go about putting some money away for their retirement, they need to speak to a lawyer or an accountant about how to do this.

    Here at Unlock My Pension we understand that you  may be wary of instructing a professional advisor unnecessarily for fear of paying significant fees. Equally, experienced professionals will not want to spend a great deal of time researching and explaining the rules governing pensions without payment for their services.

    That is why we at Unlock My Pension provide you with all the information you need to make your next move. We provide 100% free guides on how pension rules affect you, and to help you understand when you might need specialist advice from a lawyer.

  • Who we are? Open or Close

    At Unlock My Pension, our team is made up of a number of people, all of whom have different skills. The vast majority of our team is made up of professionals with a legal background, and who understand the need for clarity when it comes to discussing the law and how it affects you. Many of the team members at Unlock My Pension have experience in finance and accounting, as well as the law and how it applies to pensions.

    Our team take pride in delivering an expert service that is freely available to you, giving access to legal guides which traditionally would have involved the payment of a significant fee. We provide completely impartial, objective advice on what the law means for you and your savings. Our experience also allows us to translate the law into easy to understand examples, so that you have a better idea of what consequences will flow from the decisions that you make.

  • What we do? Open or Close

    While most legal service firms expect clients to pay a fee before there is any discussion about how the law might affect them, at Unlock My Pension, we do things differently.

    We produce detailed, and easy to understand guidance on the law regarding pensions. Our guides are produced with the interests of the public in mind, and attempt to answer the most pressing questions that people have:

    • What are the options in saving for a pension and what are the differences between them?
    • How do changes in legislation affect my savings?
    • What are the tax consequences if I start to withdraw my pension before I retire?
    • Does my employer contribute to my pension?
    • When can I start to withdraw my pension savings?
    • How will my pension be taxed after I retire?

    We also  appreciate that the law,  never stays still. The information that we provide always reflects changes in both statute and case law, giving you a comprehensive understand of the modern law on pensions and how you will be affected.

    Given the complexity of pension rules, there are times when specialist advice and assistance is needed. At Unlock My Pension we aim to help people get to a stage when they can decide that they need expert legal advice, and to point them in the right direction. We do not view ourselves as a replacement to the legal profession, but rather a partner to it.

  • Why should you trust us? Open or Close

    The majority of our team have come from a legal background, so we understand that trust is one of the most important aspects of any relationship. We take our job in guiding you through the complex pension regime very seriously. The information that we provide is always based on extensive research on the law and how it applies in real-life situations.

    At Unlock My Pension, we view ourselves as guides in the often difficult-to-navigate world of pensions. Our team are experienced professionals who appreciate the importance of clear, succinct, and relevant advice on how the rules on pensions will affect your savings for retirement. You can rest assured that we are here to help, not hinder you.

  • Contact us Today Open or Close

    At Unlock My Pension, we understand that people do not always have the time to sit down and discuss their concerns on a one-to-one basis. We appreciate that people live busy lives, and so make ourselves available across a variety of mediums to give you maximum flexibility:

    At Unlock My Pension, we want to help you understand Pensions. We understand that advice or guidance that involves overly-complex and often unnecessary legalese is, in most cases, unnecessary.

    If you have questions or concerns about the different kinds of pension schemes that exist, or you aren’t sure what the rules are for when you can start to use your retirement savings, then please contact us. We are here to help you, and make you more informed on how this complex, but very necessary, regime will affect you.

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