Meet the Team

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 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 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.

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.

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 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.

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.

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.

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.

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.

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.