Business Details
Expert Pension Advice & Retirement Planning Services
At Pension Works, we specialise in delivering expert pension advice tailored to individual needs. Our team of specialists helps clients navigate complex pension decisions with clarity and confidence, ensuring their financial future aligns with their aspirations. As an independent firm regulated by the Financial Conduct Authority, we prioritise transparency, compliance, and exceptional customer service. With over 1,500 financial advice firms trusting our expertise, we offer remote consultations to accommodate client flexibility. Our values centre on putting clients first, simplifying complex options, and maintaining honesty in all interactions.We work exclusively with trusted UK pension providers to deliver jargon-free, affordable advice. Our Pension Assessment service optimises pension consolidation, while our Annuity Team secures market-leading products. We guarantee advice that prioritises clients' financial interests, empowering them to achieve a comfortable retirement. Our commitment to excellence is reflected in our 'Excellent' Trustpilot rating and our dedication to continuous improvement in pension solutions.
Services
Final Salary Pensions
Personal Pensions
Retirement Planning
Annuities
Pension Assessment
Defined Contribution Service
Defined Benefit Service
Financial Planning
Highlights and features
- We are FCA-authorised and regulated for your peace of mind
- We work with trusted UK pension providers exclusively
- We offer fixed, transparent costs with no hidden fees
- Our remote advice model provides flexible client access
- We are rated 'Excellent' on Trustpilot by satisfied clients
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Trusted by 1,500 firms
Excellent on Trustpilot
Transparent costs
FCA Regulated
Remote advice available
Services
Final Salary Pensions
Specialist advice on final salary pension schemes, including transfer options and retirement income strategies. We assess scheme benefits, evaluate risks, and provide FCA-compliant recommendations to maximise financial outcomes. Our experts help clients understand complex pension entitlements and make informed decisions aligned with long-term goals.
Retirement Planning
Comprehensive retirement planning services tailored to individual circumstances. We create customised strategies considering income needs, tax efficiency, and investment growth. Our approach combines pension consolidation, annuity selection, and ongoing portfolio management to ensure sustainable retirement income while maintaining FCA regulatory compliance.
Pension Assessment
Detailed pension health checks to optimise performance and reduce costs. This service evaluates existing pension arrangements, identifies consolidation opportunities, and recommends improvements. We focus on enhancing returns through strategic fund selection and fee structures while maintaining transparent communication throughout the process.
Annuities
Expert guidance on annuity products to secure guaranteed retirement income. Our dedicated team compares market-leading rates, explains product features, and recommends suitable options. We ensure clients understand annuity terms, payment flexibility, and inflation protection while prioritising competitive returns.
Defined Contribution Service
Specialist support for defined contribution pension schemes, including investment strategy and withdrawal planning. We optimise fund performance, assess risk profiles, and implement tax-efficient drawdown strategies. Our service includes regular portfolio reviews and adjustments to align with changing financial objectives.
Questions
How do you deliver pension advice remotely?
We use secure video consultations and digital document sharing to provide comprehensive advice without requiring in-person meetings.
Are your services FCA regulated?
Yes, Pension Works is fully authorised and regulated by the Financial Conduct Authority (FCA number 739922).
What pension types do you specialise in?
We specialise in final salary (defined benefit) pensions, defined contribution schemes, and retirement income planning.
How are your costs structured?
We provide fixed, transparent pricing with no hidden fees, ensuring complete cost clarity from the outset.
Can you help with pension consolidation?
Yes, our Pension Assessment service evaluates multiple pensions to determine optimal consolidation strategies and cost savings.
Do you work directly with clients?
We primarily work with financial advisers but also provide direct advice to individuals seeking pension expertise.
Reviews (2)
Gordon Bramwell
Jan 14, 2018
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I was slightly anxious speaking to someone about my pension as I didnt know very much about it and it had been quite some time since Id even looked at it. But Lisa at The Pension Works was great. She very quickly put me at ease, she was friendly, informative and she explained the entire process so I knew what to expect. We spoke on the phone and then everything arrived in the post for me to read and consider. The savings identified on management charges alone were impressive, which meant I kept more of my own money in my pension pot. The advice I was given was fantastic and she went to a
Kit Murgatroyd
Dec 09, 2017
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I was dubious about using a telephone advisory firm, but my doubts disappeared as soon as I spoke to Laura. Big thanks to James who was my adviser, I consolidated three pensions into one with Scottish Widows. Couldn't be happier with Pension Works, highly recommend.
