You can access your pension anyway you want!

Fill out the form below to get a no obligation quotation plus a free user friendly retirement pack which includes retirement planners, handy checklists and useful information about all your retirement options.

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What you can do

What you can do

  • 25% tax-free cash
  • Flexible access
  • Guaranteed income for life
  • Cash in your pension
  • Mix and match products
  • Invest your pension
What not to do

What not to do

  • Pay unnecessary tax
  • Miss out on income
  • Ignore the risks
  • Run out of money
  • Make the wrong decision
  • Use an non-regulated firm

What we offer

  • Choice

    Retirement is about choice, that’s why we explain each option to you to help you narrow down which product or service you want.

  • Personalised

    Pensions are not just about money they're about people. That’s why we supply a 1-to-1 service for our customers.

  • Easy to use

    We provide a direct line to a staff member. All language we use is simple to understand and our packs are pre-populated for you.

  • Experienced

    Our company has vast experience in the retirement market and more importantly, experience helping customers without confusing them.

  • Straight talking

    Life is complicated enough so what we don’t want to do is make it more difficult. The simpler we make it the easier it is for you.

Make sure you avoid some of the common retirement pitfalls

  • Pay unnecessary tax

    We will make you aware of what will happen if you draw out large sums of cash and the tax implications.

  • Miss out on income

    We will search the whole market for you if you require a guaranteed income.

  • Ignore the risks

    Its important to know all the risks, that's why we will make it clear to you, all of the risks relating to the options you require.

  • Run out of money

    Your pension pot maybe surplus or to pay you an income in retirement, so its important to think how long you will need it for.

  • Make the wrong decision

    You may have to live with this decision for the rest of your life.

  • Don't use a non-regulated firm

    We only offer regulated products.

Why we are the right company for you

Very Happy and Satisfied customer:

The staff were so friendly it was just as though I have know them for years Nothing was to much trouble and all my question was answered in a way that I could understand. I did approach a couple more companies but I returned to Happy2Retire not only because they gave me the best deal but because of the way I was treated.

I was so satisfied that I have recommended them to my wife friend, Maria, who is about to retire. The name of the company says it all."

— Mr Robert Sayles

Happy2retire and Happy2invest are trading styles of Happy2 Limited which is an Appointed Representative of Pareto Financial Planning Ltd, 8 St. John Street, Manchester, M3 4DU, which is authorised and regulated by the Financial Conduct Authority. Happy2advise is a trading style of Pareto Financial Planning Ltd. Pareto Financial Planning Ltd is registered in England and Wales No. 06582775.

Happy2retire offers a non-advised service – we do this as we feel our customers can make their own decisions while being guided through the retirement process. A non-advised sale is when no personal recommendation is made to the customer. The customer must, however, still receive sufficient information on the product to enable them to make an informed decision as to whether it meets their own demands and needs. We will not charge you a fee for this service as we will receive a commission payment which will be accounted for in the rates we provide. If you would like financial advice, or you’d like to know more about these options for peace of mind, let us know and we can put you in touch with an Independent Financial Adviser at Happy2advise . All we want to do is make sure you are Happy2retire!

The Financial Services Compensation Scheme (FSCS) is a fund of last resort to compensate consumers if an authorised financial services provider cannot meet claims against it. This will generally be because a firm has stopped trading and has insufficient assets to meet claims, or its insolvency. You can obtain further information about the compensation scheme from the Financial Services Compensation Scheme (

Happy2 Limited is registered in England and Wales No. 08980165. Registered Office: Dukes Oak Gallery, Holmes Chapel Road, Brereton, Cheshire, CW11 1SD.