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Approaching retirement

Approaching retirement

Important information: The information on our website isn't personal advice. If you're not sure what's best for your situation, you should seek financial advice. You can normally access money in a pension from age 55 (57 from 2028).

When can I retire?

The transition into retirement isn't as clear cut as it was. We explore what you should think about before giving up work completely.

More on when can I retire

Planning for retirement

If you're aiming to retire soon, you need to start planning how you'll make it happen.

Fifties retirement planning

Your fifties are the perfect time to get your pension pot and retirement plans in sync.

Find out more

Semi-retirement

Becoming increasingly popular, we look at 6 tips for those considering semi-retirememnt.

Find out more

Taxes in retirement

A lot can change when you retire, including your income and how much tax you pay.

Find out more

Consolidate your pensions

Make life easier by bringing your pensions together

Move your pensions to the award-winning HL Personal Pension (SIPP) and take control of your retirement savings. Before transferring, check you won't lose valuable guarantees or benefits or have to pay excessive exit fees.

More on transferring to HL

Save money with the return of our biggest ever cashback offer

Save money with the return of our biggest ever cashback offer

Transfer pensions to HL and you could get between £100-£3,500 cashback as a thank you. You can use it to top up your investments, put it towards fees or withdraw it to your bank account.

To get this offer, you need to register your interest first and start your transfer by 29 February 2024. .

How much cashback will you get?
You transfer We give you
£10,000 - £29,999 £100
£30,000 - £59,999 £250
£60,000 - £89,999 £500
£90,000 - £109,999 £1,000
£110,000 - £124,999 £1,250
£125,000 - £999,999 £1,500
£1,000,000+ £3,500

Guidance, help and advice

Guidance from Pension Wise

Pension Wise is a free, impartial government service for anyone aged 50 or over, with a UK based personal or workplace pension.

It can help you understand what type of pension you have, how you can access your savings and the potential tax implications of each option. But it isn’t financial advice.

More about Pension Wise

Have a question?

Our UK-based helpdesk are here for you six days a week. Our friendly and knowledgeable team are ready to answer your questions no matter how big or small.

Call us on 0117 980 9926

Opening hours
Monday - Friday: 8am - 5pm
Saturday: 9.30am - 12.30pm

Alternatively, you can email us.

Retirement Advice from HL

Retirement is a time when you may feel unsure about what to do with your money and need help to make decisions. Our financial advisers can work with you to:

  • Plan your personal budget and retirement income strategy
  • Make sure your investments match your goals
  • Give pension advice, including when and how to take them

Discover retirement advice

Retirement Advice from HL

Retirement is a time when you may feel unsure about what to do with your money and need help to make decisions. Our financial advisers can work with you to:

  • Plan your personal budget and retirement income strategy
  • Make sure your investments match your goals
  • Give pension advice, including when and how to take them

Discover retirement advice