With Smart Pension, you can transition into retirement gradually, adjusting how and when you take your money along the way.

You can access your pension savings in four easy steps:

1. Sign in to your Smart Pension account
2. Select ‘Access your pension savings’ - you will only see this option if you’re aged 55 or over as you can usually only access your pension savings from age 55 (increasing to 57 from 2028)
3. Consider your retirement options and seek guidance or financial advice if required, using the details below
4. Select the option you require and complete the online application

Understanding your retirement options

We’re here to help you retire your way.

With Smart Pension, you can take tax-free cash, draw your income as you need it, and flexibly move from saving to spending, all from your Smart Pension account.

Need help planning your next step?

Retirement decisions can feel complex, especially when you’re thinking about when and how to take money from your pension. Our UK retirement support team can guide you through your options, and make retirement planning easier.

If you have a retirement question, just give one of our specialists a call on 0330 174 0643. For more information about the support available on your retirement journey, read our support for your retirementhelp article.

We’re happy to support you by answering any questions you may have about your retirement options or transferring to Smart Pension. However, Smart Pension can only provide guidance and is not regulated to give financial advice.

You can find support on the MoneyHelper website if you require professional advice.
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