Tools
Advice Call
Speak with one of our FCA-regulated advisers. No jargon, no pressure - just clear, honest guidance on your retirement options.
Book a time that suits you and speak to an adviser about annuities, drawdown, pension reviews, or your wider retirement options.
What to expect
A free, independent conversation no sales pitch, no commitment
Independent financial advice
Every adviser holds full FCA qualifications and specialises in retirement income. We are whole-of-market and never tied to any product or provider.
Free, no-obligation call
The initial call is completely free and carries no obligation to proceed. We will explain your options clearly and answer every question - no pressure, no jargon.
On your terms
Choose a time that suits you. Calls are available 7 days a week, typically 30–45 minutes, and can include your spouse or partner if you prefer.
Advised service vs non advised
What is the difference?
When it comes to making important decisions about your retirement income, there are two options available to you: an advised service or a non-advised service.
A non-advised service will present you with options without any input or guidance from a qualified adviser. Selecting a product yourself without guidance is considered execution only and may result in choosing a product that is not suitable for your needs. Mistakes are often irreversible.
At Pense, our advised service provides you with written advice from an FCA-regulated, qualified adviser who will recommend the right solution for your specific circumstances. Every recommendation is tailored to you and comes with a full written suitability report.
While an advised service may appear to cost more, what you are buying is peace of mind. Our fully advised service can often cost the same as a non-advised service and delivers significantly better outcomes.
How to avoid choosing the wrong product
Pense comes with these 5 benefits as standard
| Pense | Non-advised | |
|---|---|---|
| Personalised written advice | ||
| Full suitability report | ||
| FCA-regulated and qualified adviser | ||
| Whole-of-market product search | ||
| Specialises in retirement income | ||
| Duty of care to your circumstances |
No obligation advice
Get your quotes and guidance without any upfront payment. The initial advice call is completely free and carries no obligation to proceed.
We are FCA regulated
As an FCA-regulated firm, we are legally required to ensure the advice we give is suitable for your specific circumstances - not just a generic recommendation.
We specialise in 'on retirement'
Our advisers focus exclusively on retirement income options - annuities, drawdown, and combinations - so you get specialist knowledge, not generalist advice.
We search the entire market
We are whole-of-market, comparing rates from every major UK provider so you never miss a better deal from a provider you hadn't considered.
Our duty of care
We will always advise against a product if it is not the best option for your circumstances. Your interests come first - always.
Did you know?
Research consistently shows that people who take regulated financial advice at retirement end up with significantly better outcomes than those who go it alone. The cost of poor advice or no advice is far greater than the cost of getting it right from the start.
See what our clients say
How others found their path to retirement confidence
"An annuity gave me what I needed most - the knowledge that my income would never run out."
James Mitchell
Retired engineer, Yorkshire
"I wanted certainty above all else. The calculator showed me what a guaranteed income would look like, and that peace of mind was worth more than chasing higher returns."
Margaret Thornton
Retired teacher, Kent
"The adviser explained that I didn't have to choose between security and flexibility. I could have both. That changed everything for me."
Patricia Walsh
Retired nurse, Manchester
"The whole process was straightforward. No jargon, no pressure. Just clear answers to the questions that mattered."
Susan Blake
Retired consultant, Edinburgh
"I spent years worrying about market swings. Once I understood how an annuity works, I stopped checking the news every morning."
David Chen
Retired accountant, London
"I wanted to leave something behind for my children, so drawdown made more sense. The calculator showed me exactly what that looked like."
Robert Hughes
Retired manager, Bristol
FAQ's
What you need to know before your call