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What is "Pension Release"? Pension Release, or Pension Unlocking, is a term used to describe gaining access to a tax free cash lump sum from a pension arrangement that is not already in payment. The pension in question may be an occupational one i.e. arranged by a former employer, or a personal one, either arranged by you or perhaps again by a current or former employer. Why release my pension? If you have a real need to raise a cash sum and have no other methods of obtaining this money, pension release may be a suitable option for you, depending on your circumstances. When considering unlocking your pension, it is highly recommended that specialist independent advice be sought, as pension release is rarely in your long term interest and is therefore, only suitable for a small number or people and circumstances. What are my options? There are several options available to you, all of which our pension specialist will discuss with you before recommending the most suitable solution to meet with your objectives and circumstances. If you do not require all of your tax free cash entitlement, the balance can remain invested for you to take at a later date. If you require a regular income we can arrange this for you and ensure that you get the highest possible level of income for your given circumstances and requirements. Is it right for me? If pension release is not suitable for you we will tell you so and will suggest alternative ways of raising the funds you require. This is because pension release is considered an option of last resort. After all, the main purpose of a pension scheme is to provide you with an income at retirement. Taking cash from your pension early may significantly reduce your income at retirement and you may not have enough to meet your needs later in life. Therefore, expert financial advice is highly recommended. If you decide not to proceed then you will not be charged for our service. Do I qualify? If you are aged 55 or over, have a UK pension arrangement and have a need for cash, please complete the enquiry form on the right hand side to request a brochure pack, or to speed up the process you can download and print the online brochure and forms. Once you have completed the Authorisation Form and Personal Details Form, please send them to us using the Freepost address provided. We will then conduct a FREE no obligation investigation into your pension benefits and you will be advised if pension release is suitable for you. Contact us on 08000 46 96 96 or visit www.independentpensionspecialists.co.uk for free, no obligation advice. Independent Pension Specialists Ltd provides a service that is exactly what the name suggests, independent financial advice, specialising in all pension related matters. Whatever the nature of your enquiry, we promise to provide you with a friendly and professional service, along with expert independent advice that is tailored to your personal circumstances and objectives. Contact us on 08000 46 96 96 or email us at info@ipsl.uk.com. Independent Pension Specialists Ltd is an Appointed Representative of Buryfield Grange Ltd, which is Authorised and regulated by the Financial Services Authority. Music by Jazaar, Blinded by Dust