Get independent financial advice and explore your retirement options with our FCA regulated advisers. Simple, affordable, and built for you.
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)
FSCS ProtectedAdvice and products protected by the Financial Services Compensation Scheme (FSCS)
Rated 4.9 stars on leading review platforms based off +220 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, personalized advice tailored to your goals. Being FCA-regulated, our priority is always your financial well-being.
Speak to an adviserWe offer a clear and straightforward pricing structure, typically 3.55% of your pension fund amount, capped at £3,495, whichever is lower. This means you’ll always know the maximum you’ll pay, regardless of fund size. Our focus is on delivering value through personalised advice and support, with no hidden charges.
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.
21 April 2026Kept me informed & up to date with any progress in my application,my contact Lauren was very helpful
7 March 2026Used Pense twice now for both the small pensions I have. Kirk was excellent and explained everything so even i could understand. Both went very smoothly with no hiccups in double quick time too. I wouldn't hesitate to recommend Pense. All the staff are incredibly efficient and kept me informed weekly throughout the process. All in all excellent service, I would highly recommend.
20 February 2026Friendly knowledgeable team that offer a professional service. Initial consultation was friendly and helpful, reviewing my options and agreeing the way forward. They were then able to secure an annuity quote above my expectations and then followed through getting the policy in place and the funds transfer in in a very professional and timely manner. Regular updates on progress all the way through and very happy with the end result.
16 February 2026Since I started dealing with Pense arranging my Annuity policy, I have found the team very capable and fairly quick at dealing with any issues that arose. The girls Chloe,Amber, Lauren and Liv have all been very helpful and kept in contact regularly with me during the transfer process. I would highly recommend Pense to sort your pension out
28 January 2026Pence were extremely helpful, professional and tenacious about sorting out a problem I had. Staff at pence put a lot of effort into that and went above and beyond. I cannot praise them enough.
2 January 2026I received very good advice & an excellent service. Everyone was very pleasant to deal with, they kept in constant contact keeping me up to date with progress. Even after the pension payments were completed they went above & beyond getting me compensation for a pension provider being too slow to pay out. I would not hesitate to recommend Pense.
If 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
Free guidance and paid advice sound like the same thing. They're not, and knowing which is which can change how much help you get with one of the biggest money decisions you'll ever make.
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.
