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How it works

Our service is by phone, video calls, email and post, so you can access it from anywhere in the UK. 

Step 1

We have a chat

A relaxed, no-obligation chat to understand your situation, your pensions and your goals and whether we can help.

Step 2

We analyse and advise

With your agreement, we take a proper look at your pensions and finances and build a clear, personalised recommendation.

Step 3

You decide

If the plan feels right, we’ll put it into action and handle the admin and heavy lifting – and keep you and your investments on track as you move towards retirement.

It’s all

about you

Helping you retire on your terms

We will consider all your circumstances and plans and see if you are on track to achieving the retirement goals you have in mind. If you are not, we will put a strategy in place to help you get there.

If your plans for retirement are a little fuzzy at the moment, understanding the kind of income you could receive over the coming years can help to bring into focus the choices you have. You might be pleasantly surprised.

You can’t beat a chat

with an expert

While online tools and general guidance can be useful, retirement income planning is complex. Good old-fashioned human interaction is usually the best way to find the right solution. Our financial advice team will help you: 

  • Make informed decisions based on your specific circumstances and finances 
  • Avoid common tax traps or withdrawal mistakes 
  • Manage all your assets with a cohesive and flexible retirement strategy 
  • Plan your income so that future withdrawals are sustainable in line with your individual needs

At Pension Sense, we believe financial advice should be clear, tailored and accessible. We aim to help you retire with confidence, knowing your decisions are grounded in a strategy designed for you.

Tax treatment depends on your circumstances and is subject to change.

1There are alternative ways in the unlikely event this is not possible or if you would like to pay another way.

2Very rarely, things need to work differently. If that’s the case, we will let you know well in advance of any decisions you need to make.

Let’s talk money

(Ours, not yours)

We don’t hide fees or add extra surprises. What we quote upfront is what you pay. Clear, simple, transparent.

  • We charge a 3% fee as a percentage of your pension (assuming you have less than £250k… most people do!)
  • Make informed decisions based on your specific circumstances and finances
  • You pay directly from your pension, not your bank account1
  • And you only pay if you choose to go ahead2
If something doesn’t feel right, we stop.
Simple as that.

1There are alternative ways in the unlikely event this is not possible or if you would like to pay another way.

2Very rarely, things need to work differently. If that’s the case, we will let you know well in advance of any decisions you need to make.