About us

The founders of Pense have spent decades working across the pensions and retirement planning sector. Together, they identified a major gap in the market.

Access to quality financial advice and pension guidance was either too expensive, too complex, or simply not available to the people who needed it most. Pense was created to change that.

Our mission is simple, to make sure everyone in the UK can get the most from their pension, regardless of their pension size. We believe trusted, regulated advice should be accessible and affordable.

As a fully independent firm, Pense works with all the leading pension providers across the market. We're not tied to any one company, which means our advice is always based on what's truly best for you, not for us.

We specialise in helping people understand their retirement options, offering clear, jargon-free guidance and advice tailored to their personal circumstances, whether that means staying with their current provider, moving to a more flexible solution, or taking advantage of guaranteed benefits.

So in a nutshell...
Pense is making pension sense!

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Our vision, mission and purpose

Our Vision
Our Vision

Affordable pension advice for everyone.

Our Mission
Our Mission

To democratise regulated financial advice.

Our Purpose
Our Purpose

Helping people find their best possible retirement option.

Who we work with

Canada Life
Just.
Aviva
Legal & General
LV=
Scottish Widows
Standard Life

Our Team

John Hassall

John Hassall

Non Executive Director

Over 30 years Financial Services experience John has held senior roles at Legal & General and led the development and growth of a UK financial services business with over 150 staff and annual product lending of £1bn.
Richard Morrall

Richard Morrall

Chief Executive Officer

Richard has 23 years of experience in financial services and is the founder and former COO of a leading retirement advice specialist firm. He successfully grew the company from a bedroom-based startup to an annual turnover exceeding £7 million.
Justin Wysocki

Justin Wysocki

Chief Revenue Officer

Justin has over 20 years of experience in financial services, holding senior roles at Lloyds, Age Partnership, and now Pense. With a decade at board level as Marketing Director and Chief Revenue Officer, he brings strategic leadership and expertise in driving business growth and customer engagement.
Ross Taylor

Ross Taylor

Independent Financial Adviser

Ross joins our growing experienced team of Independent Financial Advisers specialising in pensions and retirement planning. Ross has helped thousands of clients achieve the best possible outcome when accessing their pensions.
James Allott

James Allott

Director of Financial Advice

James has over 15 years experience in financial services and is a senior financial adviser at Pense who has advised over 5,500 customers to ensure the best possible pension solutions at retirement are delivered.
Kirk Yeomans

Kirk Yeomans

Independent Financial Adviser

Kirk is a senior Independent Financial Adviser at Pense specialising in retirement and pension advice with over 19 years experience in the Financial Services Industry. He has now advised over 3,500 clients.
Martyn

Martyn Edwards

Independent Financial Adviser

Martyn joins our growing team of Independent Financial Advisers with more than 20 years of experience in the financial services industry. Prior to joining Pense, he ran his own financial advice practice within St. James's Place, supporting clients with their long term financial planning.
Amber Garner

Amber Garner

Administration Manager

Amber has over ten years of experience in financial services, including more than seven years as a dedicated pensions administrator. She brings a deep understanding of pension processes and a strong commitment to delivering outstanding service. Amber leads with a client-first mindset, ensuring every case is handled with care, clarity and efficiency. See what customers have to say about the service Amber and her team provide on Trustpilot.
Lauren Machin Burfield

Lauren Machin Burfield

Graduate Pensions Administrator

Lauren is a law graduate bringing a strong foundation in analytical thinking, attention to detail and regulatory awareness to her role as a pensions administrator. Her academic background ensures a deep understanding of compliance, legal processes and structured problem-solving, all of which are invaluable in the highly regulated pensions industry. As she begins her career in financial services, Lauren is committed to applying her skills to ensure that client cases are managed with accuracy, care and professionalism and is a valued member of the team.
Liv

Liv Carey

Pensions Administrator

Liv joins the Pense team as a Pension Administrator, supporting advisers and helping to ensure the pension advice process runs smoothly for clients. She previously worked in transport logistics administration, where she developed strong administrative, organisational, and coordination skills.
Isabel Morley

Isabel Morley

Pensions Administrator

Isabel supports the advisory team at Pense as a Pension Administrator, helping to manage pension cases and ensure the advice process runs smoothly for clients. Before joining Pense, she worked at a law practice, where she gained valuable experience supporting clients and handling detailed administrative work.
Chloe Watt

Chloe Watt

Pensions Administrator

Chloe has over seven years of experience as a pensions administrator and has supported thousands of customers in navigating and fulfilling their pension choices. Her in-depth understanding of pension transfer processes, regulatory requirements and customer service excellence ensures that every client journey is handled with precision, care and efficiency. Chloe plays a vital role in making complex pension arrangements feel simple and accessible for our customers.
Steven Picken

Steven Picken

Retirement Technician

With over seven years of experience in the pensions industry, Steve has supported thousands of individuals in making informed retirement decisions. Steve is passionate about helping people secure better financial outcomes and brings both technical expertise and a client-first approach to every case he handles.
Russell Flannery

Russell Flannery

Sales Manager & Retirement Technician

With 25 years of experience in financial services, Russell is a Pension Income Specialist dedicated to helping people navigate their retirement options. Russell uses his expertise to ensure customers secure the best possible pension income solutions tailored to their needs.
Charlotte Pridmore

Charlotte Pridmore

Retirement Technician

Charlotte supports the Pense advisory team as a Retirement Technician, assisting with the preparation and technical aspects of retirement advice. She brings previous experience working closely with clients to improve customer relationships and overall service experience.
Callum Burditt

Callum Burditt

Graduate Trainee Independent Financial Adviser

Callum is a Graduate Trainee Independent Financial Adviser at Pense, working closely with the advisory team to support clients as they plan for and transition into retirement. Having recently achieved a First-Class Honours degree, Callum brings strong analytical skills, a passion for personal finance and a commitment to delivering clear, ethical advice. With a professional and approachable manner Callum is currently working towards his regulated financial planning qualifications and is an enthusiastic and valued member of the team.
Harriet Lyall

Harriet Lyall

Head of Compliance

A senior compliance officer with over ten years of experience in financial services, including roles at a leading retirement finance business, DFS, and Monzo Bank. With a strong background in regulatory compliance, risk management and governance, they bring a wealth of expertise to ensuring our operations meet the highest standards of integrity and customer protection.
Chris Derrick

Christian Derrick

Chief Technical Officer

Chris, a former Lead Developer at a top retirement advice specialist firm with a deep expertise in financial technology, Chris ensures that Pense remains at the forefront of AI-driven solutions, making pension advice more accessible, efficient and tailored to individual needs.
Dan Healey

Dan Healey

Senior Software Developer

With over five years of experience in software development, Dan is now a Senior CRM Developer at Pense, where he plays a vital role in enhancing the company's proprietary technology. Dan helps create a smarter, more efficient way for customers to access financial advice and secure the best outcomes for their retirement.
Daryl Blough

Daryl Blough

Software Developer

As part of Pense's growing development team, Daryl collaborates on innovative AI projects that streamline and enhance business processes. His work helps drive efficiency and innovation, ensuring a seamless experience for both customers and the company.
Henry Barker

Henry Barker

Senior Software Developer

Henry is a Senior Software Developer at Pense, helping to design and build the technology that powers our fintech platform and supports our mission to transform financial advice. Prior to joining Pense, he worked at Anglian Water developing enterprise software systems.
Tom Hudson

Tom Hudson

Data Scientist

Tom is a Data Scientist at Pense, working with data and technology to support the development of our fintech platform. His work helps transform complex data into insights that improve the advice process and client outcomes.
Steve Gardiner

Steve Gardiner

Head of IT Security & Infrastructure

Steve leads IT Security and Infrastructure at Pense, bringing extensive experience in managing secure and resilient technology environments. He is responsible for safeguarding our systems and ensuring the reliability of the technology that supports our fintech platform.

Contact Us

If you have any questions, don't hesitate to ask

Our Office

1 Derwent House, Richmond Business Park,
Sidings Court, Lakeside, Doncaster, DN4 5NL

Phone

0808 281 2558

Email

info@pense.co.uk

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Pense Ltd, 1 Derwent House, Richmond Business Park, Sidings Court, Lakeside, Doncaster DN4 5NL.
Pense Ltd is authorised and regulated by the Financial Conduct Authority number 231629. Find us on the FCA Website here