Company
Pension advice, made simple
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.
Background
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 sense of pensions!
FCA authorised and regulated
Pense Ltd is authorised and regulated by the Financial Conduct Authority. This means our pension advice is delivered under the UK regulatory framework, with standards around suitability, disclosure, client outcomes, and complaints handling. It gives clients confidence that our recommendations are not just clear and practical, but properly accountable.
View FCA registerFSCS protected
Eligible clients may be protected by the Financial Services Compensation Scheme if an authorised financial services firm fails. The FSCS is an important safety net in the regulated advice market, and it forms part of the wider protection framework around working with a firm like Pense.
Read our policies
Pense Values
At the core of everything we do are four simple promises that define Pense
Embetterment
Everything we do is focused on improving the well-being of our customers and our people. We disrupt the market by delivering things quicker, at lower cost, and to a higher standard - all at scale.
Innovation First
We believe in finding better ways to do things. We challenge convention, embrace change, and enjoy trying new approaches. We're always asking: Could technology help us do this better?
Reassurance
Being a trusted adviser means everything to us. Our customer journey is designed to inspire confidence and ensure we always provide the right advice.
Convergence
We are at our best when we are aligned and pulling in the same direction. By combining excellent use of technology with a strong team, we achieve our greatest ambitions.
Our mission
Our mission is simple: to help people across the UK get the most from their pension, regardless of how large or small their savings may be. We believe trusted, regulated financial advice should be accessible and affordable to everyone. By providing clear guidance and straightforward explanations, we aim to make retirement planning easier to understand and more accessible.
What our client say about Pense
Independent reviews from clients we've helped through retirement decisions.
6 January 2026CHANGED my pension provider with ease
I had an issue with my company pension that I was about to start claiming. It was not what I had signed up for and it no longer met my requirements at the point of retirement. The process of talking to the adviser and working out my options was very stress free. The result was just right for me, my wife and family
17 December 2025A reliable efficient service
I set up an annuity through Pense. They communicated quickly and efficiently throughout the relatively lengthy annuity process and they went the extra mile to secure the best offer for me. An early paperwork error was quickly rectified and the entire team is very customer focused. I have no hesitation in recommending them.
15 December 2025I wanted to obtain a pension Annuity...
I wanted to obtain a pension Annuity and after some initial discussions and projections with Kirk I I felt completely comfortable and at ease with the due process and return I would have. The process was extremely smooth and Amber and her team kept me up to date at each stage inc completion. Totally recommend Pense and the team
5 November 2025I was having problems with my pension
I was having problems with my pension. I contacted Pense, and spoke to Kirk who was most helpful. He contacted my pension provider with my permission to obtain a copy of my pension forecast and then advised me on how to proceed. All this was done with no cost to me. I would recommend Pense, they were most helpful and kept me informed every step of the way.
31 October 2025The best annuity deal with a great service
I engaged with a number of well known established annuity companies who all guaranteed the highest annuity rate and also some lesser known companies. Pence were by far the easiest to deal with, Russell gave excellent advice during the quote process and thanks to him I got the best quote of all the companies I was dealing with, which I am delighted with. Once the quote was accepted Amber kept me informed on a weekly basis right up to receiving my first annuity payment. To sum Pence up they got me the best deal and gave me a great service in every step of the process and a big thank you to Russell and Amber.
30 October 2025Pension Excellent company to deal with
Excellent company to deal with. Kept me informed about my pension all through the process. Katie /Amber etc were all very good at there rolls in sorting everything out. Would use again if I needed and information and help with any financial issues