Clear information and independent advice for pension consolidation, annuities and drawdown, whether you start online or over the phone.
Partners With
Pense combines regulated pension advice with smart technology to help more people understand their options, make confident decisions, and get better value from their retirement savings.
Pense is authorised and regulated by the Financial Conduct Authority (FCA)
Eligible advice claims and products may be protected by the Financial Services Compensation Scheme (FSCS)
Rated 4.9/5 on leading review platforms based on 250+ reviews.
Explore your retirement options using our tools with clear, easy-to-understand guidance.
Receive personalised, independent advice tailored to your circumstances and goals.
At Pense, we help you get the most from your pension. We simplify your options and provide transparent, personalised advice tailored to your goals. As an FCA-regulated firm, our advice must be suitable for your circumstances.
Speak to an adviserWe only charge when we make a recommendation and you agree to proceed. Our typical initial advice fee is 3.5% of your pension fund amount, capped at £3,495, whichever is lower. The fee is considered when we assess whether the recommendation is financially beneficial for you, and is normally taken from the pension rather than paid by bank transfer.
More about Pense
We take care of the process, keeping you informed every step of the way.
We take care of all the complex forms and documentation to make the process completely stress-free.
We deal directly with your existing providers to make sure your funds are released as quickly as possible.
We provide regular progress updates at every stage so you always know exactly where you stand.
We manage the safe and secure movement of your money directly into your new retirement account.
“The number of options available was surprising, the advice around each was excellent, not just advice but support.”
Read Mark's storyIf you're still weighing up your options, our pension centre is a good place to begin. It brings together practical guides, clear explanations, and useful tools to help you understand your retirement choices with more confidence.
Whether you want to compare routes, learn the basics, or speak to someone about your next step, we're here to make the process clearer and easier to navigate.
Practical guidance for your retirement decisions
Perhaps you saw a headline. Perhaps someone mentioned it at the golf club, or your daughter sent you a link. From April 2027, the money left in your pension when you die will count towards inheritance tax.
Robin Powell
Robin Powell is a freelance journalist and author, and a financial consumer advocate. He is also the editor of The Evidence-Based Investor.
Can you change your mind after making a pension decision? In this video, Robin explains which pension choices are typically irreversible, which may offer some flexibility, and why understanding the implications before you act is so important.
Robin Powell
Robin Powell is a freelance journalist and author, and a financial consumer advocate. He is also the editor of The Evidence-Based Investor.
Featured by the Daily Mail, this guide explains how drawdown works, what the key risks are, and how to judge whether flexible retirement income is right for you.
It gives readers a clear route from editorial guidance into practical next steps, without losing the detail needed to make informed retirement decisions.
Clear answers for pension decisions
