You generally cannot access your pension funds before reaching the normal minimum pension age (NMPA), which is currently set at 55 years old, and is set to increase in the near future. However, there are some exceptions and options, subject to certain conditions and regulations:   Ill Health: If you are in poor health and unable to work due to illness or disability, you may be able to access your pension funds before reaching the minimum retirement age. Serious Ill Health: If you have a life expectancy of less than one year, you may be able to access your pension funds before reaching the minimum retirement age. Pension Flexibility: If you have a pension scheme that offers pension flexibility, you may be able to access your pension funds before reaching the minimum retirement age, subject to the rules set by your pension scheme. Small Pension Pots: If the total value of your pension savings is below a certain threshold (currently £10,000), you may be able to access your pension funds as a lump sum before reaching the minimum retirement age. Pension Transfer: If you have a defined benefit pension (DB) or final salary pension, you may be able to transfer it to a defined contribution pension (DC) and access your pension funds before minimum retirement age. This requires careful consideration and professional advice as there can be costly penalties for making an error. Financial Hardship: In some cases of financial hardship, such as severe financial difficulty or bankruptcy, you may be able to access your pension funds before reaching the minimum retirement age, but this is subject to strict conditions and regulations. Accessing pension funds before reaching the minimum retirement age may have serious tax implications, which is why it's critical to seek professional advice from financial experts, such as those at KGJ, before making any decisions regarding your pension funds. Rules and regulations related to pensions are complex and subject to change, so it's essential to stay informed and consult with a qualified financial advisor for personalised advice.