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Our Mission

Our mission is to make regulated financial advice accessible to everyone.

  • Make engagement feel normal.
  • Make good advice genuinely accessible.
  • Make the experience worth engaging with.

Too many people reach important financial decisions without advice. Millions more never reach the decision to seek help in the first place. And even those who do can find themselves excluded or let down by the experience.

We exist to change the whole journey.

The problem is that nothing feels wrong.

We’ve learnt to do certain things today because they protect us tomorrow. We get our cars checked. We go to the dentist. We deal with problems before they become bigger ones.

Looking after our financial future hasn’t become the same kind of natural behaviour.

With pensions, doing nothing can feel harmless.

Nothing necessarily breaks. There may never be a warning, a penalty or a moment when somebody tells you that you got it wrong.

And even when somebody does decide to engage, the barriers don’t suddenly disappear.

Some assume financial advice isn’t for people like them. Some start looking and discover that the firms they find won’t serve them. Others finally access advice only to encounter an experience that feels slow, formal, confusing or more self-directed than they expected.

From never starting to being turned away or let down, there are opportunities to disengage at almost every stage.

What that can mean for your future

  • Retire later than you could have.
  • Retire with less than you could have had.
  • Discover your options later than you should have.
  • Quietly lower your expectations because you assume that’s simply what retirement looks like.

You may never know what was possible.

We want to change that

Our role is to help you understand what your pension could make possible, then create a clear path towards getting there.

Most people still go without financial advice.

Less than 9%

of people in the UK receive financial advice.

There isn’t one reason why.

The barriers can begin before somebody ever looks for advice and continue long after they decide to engage.

Together, those behaviours and barriers contribute to what is known as the Advice Gap.

Understanding why that gap exists is an important part of working out how to close it.

Closing the Advice Gap means changing the whole journey.

Making advice available at the end of the journey isn’t enough. More people need a reason to engage, a genuine route into advice and an experience that makes engaging feel worthwhile.

  • Make engagement feel normal.

    People shouldn’t need a crisis before they start thinking about their financial future. We need more reasons, moments and opportunities for people to understand where they stand while there is still time for the decisions they make to have a greater impact.

  • Make good advice genuinely accessible.

    Recognising that you could benefit from help shouldn’t immediately lead to the conclusion that regulated financial advice isn’t for somebody like you. Good advice needs to work for more people, not just those with the greatest amount of money to invest.

  • Make the experience worth engaging with.

    Getting through the door isn’t enough. Advice should leave people feeling clearer about their position, confident in the decisions they make and supported through what happens next.

Creating a new category of financial advice. One beat at a time.

We don’t believe widening access should mean removing the human relationship, lowering the standard of advice or asking people to manage more of the journey themselves.

We’re building a different kind of financial advice around the whole journey: creating more opportunities to engage, making regulated human advice work for more people and giving those who do engage an experience that rewards the decision to start.

See How We’re Different >

  • Through Pension Clinics, employers, partners and practical financial content, we’re creating more opportunities for people to think about their pensions before they are forced to.

    There is much more to do here. Reaching people earlier and understanding what genuinely encourages somebody to take that first step is one of the biggest challenges ahead.

  • We’ve redesigned how financial advice is delivered so qualified adviser expertise can reach more people across a broader range of pension values.

    The aim isn’t a different standard of advice for a different type of client. It is finding a better way to make the same standard of regulated human advice available more broadly.

  • Widening access only matters if the experience remains worth accessing.

    That means qualified human advice, clear explanations, regular communication and support that helps people move from uncertainty towards a confident decision.

Why challenge a model that already works?

Before co-founding Pension Pulse, Aidan Carter had spent years working across sales, client service and financial planning. 

What he saw wasn’t an industry incapable of building successful businesses. The traditional advice model could work extremely well commercially.

But he also saw that some of the limitations surrounding financial advice weren’t inevitable. They were consequences of how the model had evolved.

Limited adviser capacity naturally made some clients more commercially attractive than others. And attempts to serve more people often meant moving more of the experience online and asking customers to manage more for themselves.

The people who could be left outside that model weren’t an abstract market segment. They were people just like those Aidan knew, including his own parents: people who could benefit from good financial advice but might never fit the profile that traditional advice had increasingly been built around.

Pension Pulse could have followed the same model. We chose to challenge it instead.

Aidan Carter Co-founder, Pension Pulse

A mission we can measure.

If this mission is real, we should be willing to hold ourselves accountable for the progress we make.

Not because a traditional advice business couldn’t succeed, but because we believed a different one could too. One capable of reaching more people, being commercially sustainable and scalable, without asking clients to accept lower standards, less human support or a worse experience in return.

  • Broader access

    Around £20,000

    In many cases, the pension value from which we can provide regulated financial advice.

  • Less time waiting

    82.1% faster

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

  • Client experience

    4.9 out of 5

    Our Trustpilot rating from people who have experienced Pension Pulse for themselves.

The next challenge is scale.

We’ve shown that a different approach to delivering financial advice can work.

Now we need its benefits to reach far more people.

Closing the Advice Gap means reaching people earlier, creating more opportunities to engage and understanding what turns “I should probably look at my pension one day” into actually checking where you stand.

It means working with employers and partners that can bring financial wellbeing into places people already know and trust.

It means learning more about the messages, moments and experiences that help people act.

And as Pension Pulse grows, it means continuing to prove that broader access, greater scale and a strong human experience can exist together.

Because making advice work better for the people already looking for it is only part of the mission. We want more people to realise it could be for them in the first place.

Ready to put some life into your pensions?

You don’t need to wait until something goes wrong or have every question worked out before you start.

If you’ve been meaning to understand where you stand, let’s have a conversation.

Book your free call