Most people don’t avoid pension advice because they’re lazy. They avoid it because it’s boring, confusing and intimidating. It’s full of jargon nobody asked for, and the truth is? Our brains switch off when we struggle to understand something. 

Around 91% of people in the UK have never received financial advice.
Almost 39% are facing the prospect of retirement poverty.

This gap exists because the industry has made financial advice too hard to access, understand, and too easy to put off.

This is why we built Pension Pulse. A modern pension advice firm that’s:

  • Clear
  • Fast-moving
  • Human
  • Straight-talking
  • And genuinely built around real people with real lives

A Few Stories You Might Recognise

We see the same patterns again and again.

Maybe you have four workplace pensions from old jobs. You can’t remember the providers, what they’re invested in, and assume it’ll probably be fine? The concern is, you’ll check one day and may realise you aren’t in a great position. One common thing we see is clients paying out lots of hidden charges:  

  • Platform charges
  • Fund charges
  • Old legacy product charges

All quietly compounding in the wrong direction.

Or maybe you’re someone who logs into their pension once a year. You read a scary headline, which reminded you that your pension does exist, so you decide to face it. You panic, stop contributions, move to “cash”, miss the recovery, lose confidence and stop looking again. It’s a cycle that doesn’t get you any closer to a comfortable retirement. 

Or perhaps you’ve just hit your 50s, and you realise you don’t know what “retirement” looks like financially. You’ve worked hard, saved what you can, but you’ve never had a plan. 

These are the advice gaps as lived in real life.

We haven’t “improved” pension advice… we’ve rebuilt it.

Traditional financial advice is often laborious. You wait, you chase, you do paperwork, and then you get a huge report. After this? Either nothing happens for weeks, or it seems so technical that you have no idea what to do with it. 

At Pension Pulse, we’ve rebuilt the system, so it feels the opposite. With us, you’re guided, you understand what’s happening across the whole journey, you know what to expect, and importantly, you feel in control. 

Our Process

We follow five simple stages, all unified by one clear mission: to make your pension work properly.

Here’s how it works:

  • 1 Step 1

    Initial Contact (Within 24 Hours)

    The moment you get in touch, you’ll speak to a dedicated Client Relationship Manager within 24 hours. They’ll:

    • Introduce themselves
    • Explain the process in plain English
    • Answer your questions
    • Set up a free consultation with an adviser if it feels like the right next step

    You won’t feel pressured or overwhelmed. Expect a friendly, human to human conversation. 

  • 2 Step 2

    Your Initial Consultation

    This is where we get to know you properly. Not just your pension numbers, but:

    • What you want life to look like
    • When you want the option to stop working
    • What worries you (even if you’ve never said it out loud)
    • What “a good retirement” actually means to you

    After this, you’ll receive your Welcome Pack, which is your personalised starter kit. 

  • 3 Step 3

    Information Gathering

    Once we’ve got your forms back, our team gets to work with your existing pension providers to gather all the details we need.

    We’ll look at things like:

    • Charges you may not even realise you’re paying
    • How your pension is actually invested
    • How it’s performed (and whether that performance makes sense for your risk level)
      Any gaps, overlaps or missed opportunities

    Then we’ll arrange your “Getting to Know You” meeting with a Senior Adviser. This is where we connect the dots between your pension and your life.

  • 4 Step 4

    Fact Find and Policy Review

    This is where we’ll turn our insight into your pension strategy. We analyse everything and build a plan that’s designed around:

    • Your goals
    • Your timeline
    • Your attitude to risk
    • Your capacity for loss
    • Your retirement options and future flexibility

    And we put it into a report with tailor-made recommendations to improve your retirement plan. You’ll see:

    • What you have now
    • What needs improving
    • What it costs
    • What we recommend
    • Why we recommend it
    • How it could improve your long-term outcome

    Everything will be clearly stated, so you know exactly where you stand. Importantly, there’s no obligation to proceed, so you can digest at your pace and proceed if you’re ready. 

  • 5 Step 5

    Advice Stage (Implementation)

    If you’re happy to go ahead, brilliant. We take care of the full implementation, including:

    • Paperwork
    • Applications
    • Transfers
    • Provider follow-ups
    • Progress tracking

    You’ll also have a designated Client Services Manager who keeps you updated, so you can always feel in control, and you aren’t at risk of your pension becoming neglected again. 

In a nutshell… 

We are pension advice, rebuilt for real life.

  • A clear 5-step process so you always know what’s happening and what comes next
  • No jargon, no waffle, we explain everything in plain English
  • Fast, proactive service, we move quickly and keep you updated (no chasing)
  • Advice built around you, your goals, your timeline, your comfort with risk
  • We do the heavy lifting, provider chasing, analysis, paperwork, and implementation
  • Transparent fees and value, you’ll see what you pay and why it’s worth it
  • Ongoing support that feels proactive, not “see you next year”, but real guidance as life changes (big and small). 
  • The same level of respect and service for everyone, whether it's £20,000 or £2,000,000

What clients really tell us they love is that we make pensions feel:

  • Simple
  • Organised
  • Under control
  • Much less stressful

Because once your pension is properly set up, the goal is not to obsess over it, it’s to know it’s working quietly in the background while you get on with life.

Ready to Feel in Control of Your Pension?

Let’s get it organised, optimised, and working properly, with a plan you actually understand. 

Start Step 1 today, by giving us a call on 0161 711 1885, or let us call you back 

Important Information

This article is for information only and does not constitute personal financial advice.
The value of investments can fall as well as rise, and you may get back less than you invest.
Tax treatment depends on individual circumstances and UK legislation, which may change.
If you are unsure whether a pension or investment strategy is right for you, please seek regulated financial advice.

Most people don’t avoid pension advice because they’re lazy. They avoid it because it’s boring, confusing and intimidating. By Pension Pulse