Grove’s guide to Pension Transfers
& Pension Release. Helping you make
the right choices and understand
our process.

Understanding your options

When you are coming up to retirement there are many options you need to consider before drawing your pension. If you get bad advise you can be left out of pocket with the loss of your pension benefits and large unexpected tax bills.

This guide has been put together to help you understand the options available to you when it come to Pension Transfer & Pension Release.



From 6th April 2015 the most wide sweeping reforms to pensions came into force. To take advantage of these reforms you must be aged 55 or more. Find out what options are available to you.

Winners & Losers

Winners & Losers

How to avoid a scam, such as transferring your pensions fund to a high risk non-regulated scheme and seeing the value drop. Or even worse, become the victim of a scam losing your entire pension fund.



When you transfer or release your pension the choices you make can have a huge impact on your pension benefits. Take a look at the pro’s & con’s of free advice, no advice and paid advice.

How Can Grove help you?

We are authorised and regulated by the Financial Conduct Authority. We specialise solely in Pension Transfer and Pension Release retirement services.

We have 12 years of experience successfully transferring over 4,200+ pensions with a total value of £500m+

Our specialist pension advisers are not financially rewarded by the number of cases they complete, they are measured by the quality of advice they give, whether that is to take money out of your pension or not. Ever case goes through our compliance department for checking at every stage of the process. Below you will find out how we work and our process.


Understand the process involved when you “Get Started” with Grove & why you are under no obligation to proceed with any recommendations we make.


We are committed to supplying sound financial advice & exemplary service. As a matter of course we send out customer satisfaction surveys.


We have a large, dedicated team of over 40 staff and have successfully completed over 4,200 transfers. We will ensure a smooth and transparent process.


When you are coming up to retirement there are many options you need to to consider before drawing your pension. If you get bad advise you can be left out of pocket with the loss of your pension benefits.

This guide has been put together to help you understand the options available to you when it come to Pension Transfer & Pension Release.


Getting at the money from your pension is sometimes known as Pension Release; whether it is a Personal Pension or an old Company Pension.

How much can I release?

You can take 100% of your pension fund as a cash payment; however, most people choose to just release 25% Tax Free and leave the rest to take at a later date.


Taking benefits early is only suitable for a limited number of people. Our questions and answer section explains your options. 

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Pension Release Case Studies

Deposit to buy a house

Helen needed money urgently and was considering Pension Release/Pension Unlocking from her personal pension plan.

Clearing Debts

How funds acquired through pension release can be used to clear existing debts and plan for those unforeseeable emergencies that can and do crop up.

Moving Abroad

Dorothy and her husband who needed to raise as much capital as possible to move abroad and start a new life together.

Early Pension Release

John has an old Government Pension from when he used to work for his local council which has a cash equivalent transfer value of £40,000.

Pay off your credit card with your pension

If you are building up credit card debts, then you may be able to pay them off by releasing money from your pension early.



Get started today and receive expert advice from Grove Pension Solutions

Initial consultation free


Very satisfied from start to finish with the quick & professional service.

Mr HB, Lancaster

I found Grove to be very professional people and very knowledgeable. The way they dealt with my pension release was second to none.

Mr DH, Warrington

from the point of initial contact right the way through to what was an extremely painless and satisfactory final outcome I was treated with courtesy, politeness and kept informed of every stage. My requests for any further clarification are treated with great patience and understanding.

Mrs HB, Newcastle Upon Tyne

Very helpful. Explained in detail, answered all my questions. Would recommend to family and friends. Excellent services.

Mr SS, Cheltenham

I found your staff very helpful and professional at all times. The advisor concerned did everything in his power to speed up the process as I had wanted to use the funds to attend my son's wedding (abroad). The deadline was met and I was able to achieve my goal. The advisor went out of his way to ensure I was fully briefed and had considered all options before making my decision, thank you again.

Ms NS , Swindon

I found Grove Financial advice helpful and informative in all stages of the (Pension Release) process, I would recommend the to any friends and family who needed impartial advice on financial matters.

Mr JA, Isle of Wight

I looked around the internet for some time, all I looked at was very confusing to me. I then found Grove Financial and found it very easy to read and take in. I sent an email with a question to see the response. I had a perfect response in plain english. I was very happy to carry on with the excellent personal service.

Mr JB, Bristol

Thoroughly recommended, nothing to much trouble, always there to give advice, always dealt with the same person at all times. Very glad that I used this company.

Mrs JA, Queenborough

I cannot praise your company enough. From the initial enquiry form to completion the whole procedure was absolutely first rate. Your staff are a complete credit to your company and it is impossible for me to find anything further to add. Superb!!

Mr RM, Ashendon


Grove actively support the following charities and institutions

Bromley Mencap