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Why we challenged the traditional model

Before co-founding Pension Pulse, Aidan Carter had built a career across sales, client service and financial planning. What stood out was an industry that had operated in broadly the same way for a long time.

The traditional model could make regulated advice slow, difficult to access and harder to understand than it needed to be. The experience could feel formal and intimidating, while limited adviser capacity naturally pushed firms towards the cases that made the most commercial sense.

The model could work very well commercially while still leaving a huge advice gap.

And if you wanted to serve more people without changing the model itself, the obvious answer was to move more of the journey online: fewer human touchpoints, more self-service and more for the customer to manage alone.

We created Pension Pulse to redesign how regulated financial advice is delivered: increasing capacity and improving the experience without lowering the standard of advice or designing the human relationship out of it.

We didn’t believe either compromise was necessary.

A different approach was possible, so we built it.

Our Mission

What makes Pension Pulse work differently

We built our own operating model around the full advice journey, bringing specialist in-house teams, purpose-built processes and technology together as one connected way of working.

Together, they increase capacity and keep work moving without shifting more of the journey onto you.

  • Specialist in-house teams

    They keep the work around your advice moving, while your adviser focuses on understanding your position, considering your options and explaining what they recommend and why.

  • Purpose-built processes

    We’ve redesigned the work around financial advice to remove avoidable friction, make better use of specialist expertise and keep the journey moving.

  • In-house technology

    Our technology supports the entire financial advice journey, helping our teams work efficiently, move information and keep work progressing while qualified advisers remain responsible for the advice itself.

More adviser where it matters

The collective result is greater adviser capacity, giving advisers more time for the conversations, judgement and decisions where their expertise matters most.

Around

15x

the new investment money per adviser seen across FCA-surveyed small advice firms.

What that changes for you

The point of changing the model was to change the experience. Here’s what that means when you deal with Pension Pulse.

  1. Easy to start

    You don’t need to know exactly which service you need or arrive with all the right questions. Start with what you’re trying to understand, change or plan for. We’re here to help with the rest.

  2. Listened to before you’re advised

    Your circumstances, concerns and what you want your money to make possible come before the recommendation. We take the time to understand that to tailor our experience to you.

  3. Clear enough to make a confident decision

    We’ll explain what matters clearly, answer your questions and give you the time you need to make an informed decision, without pressure to rush. Expect fuss-free advice without the jargon.

  4. Kept informed. Kept moving.

    You shouldn’t have to keep chasing. Our model ensures that we keep you clear on where things stand as we progress, what happens next and when we may be waiting on somebody else.

  5. Supported beyond the recommendation

    If you decide to make a change, we’ll help carry it through. For ongoing clients, support continues through regular reviews and future financial decisions.

  6. 82.1% faster

    Our average client advice journey is 82.1% faster than the industry benchmark.

    Ready to begin your journey?

    Book your call

Greater capacity. Broader access. The same standard of advice.

In a traditional model, limited adviser capacity can influence who it makes commercial sense to serve.
Our model gives us more capacity, allowing Pension Pulse to provide the same quality of regulated human advice across a broader range of pension values.

In many cases, we can help with pensions from around

£20,000

That figure is about access, not a different tier of service. Whether your pension is closer to that level or considerably larger, the standard of regulated advice doesn’t change.

We start in the same place: understanding your circumstances, what you’re trying to achieve and what the right course of action looks like for you.

See who we help
Real feedback. Real impact

We challenged the model.
Our clients validate the decision.

Rated ‘Excellent’
Trustpilot
4.9 out of 5 on Trustpilot

We could have followed the traditional model and concentrated adviser capacity where it was most commercially attractive.

Instead, we built Pension Pulse to widen access without asking clients to accept a colder, more self-directed experience in return.

The strongest validation isn’t only the additional capacity we’ve created or the speed we’ve measured.

It’s what clients tell us about feeling understood, informed, supported and confident throughout the journey.

  • RELIEF

    “They provide regular updates throughout the process as well which has given me peace of mind, which I really appreciate.”

    Jodie

  • CLARITY

    “Great service, very smooth process and explained everything in a simple way for someone with little understanding of pensions.”

    Paul

  • NO PRESSURE

    “Expert friendly advice delivered in an approachable way. No pressure to commit.”

    Jason

  • KEPT INFORMED

    “They do regular check ins with you to keep you informed of what’s happening.”

    Maggie

  • SUPPORTED

    “The whole team sorted it all out for me quickly.”

    Dave Wood

All quotes are taken directly from clients’ Trustpilot reviews.

Ready when you are

You don’t need to know exactly what advice you need before you start.
Tell us what’s on your mind and we’ll take it from there.

Book your free call Call us now