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Accessing your pension savings is one of the most important financial decisions you’ll ever make and we’d recommend that you get advice or guidance before making any decisions. Pension Wise is a free and impartial government service that helps you understand what you can do with your pension savings. You have no cancellation rights under this option. Once we pay you, the transaction can't be reversed and you can't pay the money back to us. As a result, it's really important that you take the time to fully understand the potential risks associated with this option.