If you `re over 55 years old and you have had an employer or a number of employers with whom you had a pension, it may be that you have lost track of the pension companies involved and the value of your pensions. There are ways to track down these companies using the UK governments pension tracing service:
25% of small pension pots can be taken out tax free and as from April 2015 anyone over 60 years old can take out the lot (whether you are retiring or not). You`ll get the first 25% tax free but the other 75% will be taxed. Please be aware that cashing in your pensions (or part of them) is not suitable for everyone, especially if you are still working in which case your pay may take you into a higher tax band. Professional financial advice should be sought.
If you have sought professional advice and have decided you would like to release pension money for your adventure travel but are having difficulties or questions to ask, I have a contact (a retirement professional) who will offer free advice on how to go about it all. Just contact me and I`ll pass on the details.
On a personal note, until recently I had forgotten I had a number of old work pensions I had contributed to. They are reletively small pots but I may release some (if not all) of the money to put towards my adventure travel fund. Oh and once you reach your official UK retirement age (mine is 66 years old - 6 years to go as of writing this) you can still get your 'old age pension' even if you go and live abroad. :-)