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Your pension journey is personal to you

Everyone’s circumstances are different. Life changes, priorities shift and the questions that matter can overlap, so there is rarely one fixed point that tells you exactly what you should do next.

You may recognise yourself in more than one of these five stages.

Start with wherever feels closest to where you are right now.

Or, if you’d rather have specialist support, book a free call >

  1. Understand my current position Get clear on what you have.

    Old workplace pensions, different providers and years of saving can make it difficult to see the full picture.

    We can help you understand what pensions you have, trace any you may have lost sight of and bring their combined value into one clearer view.

    Find old pensions

    29%

    of adults with DC pensions in accumulation did not know roughly how much their combined DC pensions were worth.[1]

    What this puts into perspective

    Before you can judge whether anything needs to change, you first need a clear enough view of what you already have.

    [1] FCA.

  2. Know whether I’m on track Review performance, fees and contributions.

    Knowing what your pensions are worth today is only part of the picture.

    We can help you understand how they have performed, what you’re paying in fees, what you’re contributing and what your current position could mean for the retirement you want.

    If there is a gap, you can see it more clearly and understand what, if anything, could improve your position.

    Review my pensions

    Only one in three

    UK adults aged 18 to 65 had checked their pension in the previous year. [2]

    What that puts into perspective

    Pensions can sit in the background for years. Reviewing them gives you the chance to understand whether what is happening now is still building towards what you want later.

    [2] Money and Pensions Service

  3. Decide whether something should change Explore your options and understand the trade-offs.

    Once you understand where you stand, the next question is whether changing anything would genuinely improve your position.

    That might mean consolidating pensions, moving a pension or changing your current arrangement. It might also mean leaving things exactly where they are.

    Good advice compares the costs, benefits and risks so you can understand not just what you could do, but why it may or may not make sense.

    Pension consolidation

    Around 6.9 million

    of the 14.6 million people modelled as undersaving are projected to reach at least 80% but less than 100% of their earnings-related target replacement rate.[3]

    What that puts into perspective

    Being classed as undersaving does not automatically mean everything needs to change. For millions of people in the modelling, the projected gap is less than 20% of their earnings-related target.

    Understanding the size and nature of the gap helps determine what action, if any, makes sense.

    [3] Department for Work and Pensions

  4. Plan the retirement I want Connect your pensions to the life you want in retirement.

    Retirement planning is where pension figures start to become a plan for real life.

    When would you like to stop working, or perhaps work less? What income could support the lifestyle you want? What could your pensions, State Pension and other savings realistically provide?

    A clear retirement plan brings those pieces together and helps you understand whether you are building towards the future you want.

    Plan my retirement income

    £45,400 a year

    Pensions UK’s 2026 Retirement Living Standards estimate that a Comfortable retirement lifestyle costs £45,400 a year after tax for a one-person household, while around 9% of the working population are expected to reach that standard. [4]

    What that puts into perspective

    The Comfortable standard is not a target for everyone. It shows why defining the retirement you want, understanding what it may cost and seeing whether your pensions are building towards it matters.

    [4] Pensions UK, Retirement Living Standards 2026

  5. Turn my pensions into income Understand your options before you start taking money.

    As retirement gets closer, pension decisions become more immediate.

    You may need to decide when to access your pensions, how tax-free cash fits into your plans, how much income you can sustainably take and whether options such as drawdown or an annuity suit your circumstances.

    We can help you understand the trade-offs before you act.

    Taking money from my pension

    Three quarters

    of DC pension holders aged 45 or over did not have a clear plan for how to take their pension money, while only 22% said they understood their pension-access options very well. [5]

    What that puts into perspective

    These decisions can affect your income, tax position and how long your money may need to last. Understanding the options before acting gives you a stronger basis for deciding what is right for you.

    [5] FCA

There’s more to your pension than its value

Good pension advice looks beyond the numbers. It brings the full picture together so you can make clearer, more confident decisions about your future.

What you see

£186,420

Your current pension value

What good advice sees

  • Performance

    How your pensions have performed over time and what that means for your wider retirement plans.

  • Goals & projections

    When you want to retire and whether you are on track for the future you want.

  • Contributions

    What’s going in now and how changing contributions could affect your pension.

  • Risk

    How your investments align with your comfort towards risk.

  • Protections

    Valuable benefits or protections attached to your pensions.

  • Other pensions

    All of your pensions considered as part of your wider position.

  • Income needs

    What your retirement needs to provide to achieve the lifestyle you want.

  • Access options

    How you could balance income, tax and long-term sustainability when accessing your pensions.

  • Fees & value

    Whether what you’re paying represents good value for the performance, benefits and support you receive.

Client Success Stories

Four pensions. One clearer way forward.

Eric Marsh came to Pension Pulse with four different pension pots, each needing to be understood before he could make a confident decision about what should happen next. The team gathered the pension information, talked Eric through each plan and put together considered options to help him decide which route made sense for him. He was given the information and advice he needed to understand his options and make a decision about his own way forward. A streamlined process that gave clarity over options led to a five-star Trustpilot review from Eric.

“As I had four different pension pots I was surprised by how efficiently Pension Pulse were able to gather the information about them. The information about each pension was discussed and thoughtful plans were put together to help me to decide what was the right way forward for me. Follow up has been helpful and I look forward to seeing growth of my funds.”

Eric Marsh, Client Rated 5 out of 5

Pension minefield to peace of mind.

Pensions had become something this client was actively putting off. The complexity felt overwhelming, and making the wrong decision was a real concern. After researching their options, they chose Pension Pulse and quickly felt reassured by the way we handled the process. The team took the time to explain everything clearly, without jargon or pressure, giving them the space and information they needed to feel comfortable with each step. What had initially felt stressful and intimidating became a much more manageable experience, leaving them feeling confident about the decisions they had made and their future with Pension Pulse.

“Pension minefield, scared me to death and I kept putting it off. After a lot of research I came across PP. From day one I felt confident I’d chosen the right company. They were patient, never pushed me, explained everything clearly with no jargon. Joe was my advisor and he made the whole process stress free. Excellent company and I feel very confident going forward with Pension Pulse.”

Gary Howard, Client Rated 5 out of 5

No jargon. No pressure. Just clarity.

Sorting out their finances had felt overwhelming for this client, particularly with the questions and unfamiliar jargon that can come with it. From the outset, the Pension Pulse team took the time to explain things clearly, answer questions and guide them through each stage of the process. Our regular updates meant they were never left wondering what was happening or what came next. What had initially felt daunting became a much more manageable experience, giving them greater clarity and peace of mind along the way.

“I was really daunted by the idea of sorting out my finances but the team at Pension Pulse have been amazing. Every advisor that I have spoken to have been fantastic and they are always happy to answer any questions I've had and walk me through the jargon that comes with life admin! They provide regular updates throughout the process as well which has given me peace of mind, which I really appreciate. I couldn't recommend them enough!”

Jodie, Client Rated 5 out of 5

A change for the better.

This client came to Pension Pulse after becoming unhappy with their existing financial adviser and deciding it was time to look elsewhere. After comparing several options, they approached us and had a number of conversations with the team before making any commitment. We explained what they could expect, answered their questions and kept everything clear and jargon free from the outset. Although our service was a little more expensive than the adviser they were leaving, the client felt the level of ongoing support and service would make the difference worthwhile.

“I was looking for a change in financial adviser due to unhappy with current one. Pension Pulse came up on a search and I looked into them, and others. Their review rating was excellent and I approached them. I had several calls, both on the phone and on MS Teams, where they explained everything I could expect, this was before I had signed up with them. Everything was clear and jargon free and whilst they are a little more expensive than the adviser I was leaving, the ongoing service they will provide will make it worth it.I would totally recommend them as a pension adviser.”

C Phillips, Client Rated 5 out of 5

Faultless care when it mattered most.

This client came to Pension Pulse at a difficult time and immediately noticed the difference in the way they were treated. From the very first conversation, the team listened carefully, took the time to understand their situation and explained the options available in a clear and supportive way. Throughout the process, communication remained attentive and professional, helping everything feel smooth and straightforward. For the client, it was the care, understanding and quality of service that made Pension Pulse stand apart from others they had dealt with.

“Contacting Pension Pulse was the best thing I could have done, they have helped me immensely. The very first contact with them was a pleasure, they have made a difficult situation so much better. In all, communications with the people have been tremendous, they were so polite, attentive to my situation, they explained what I was able to do, so I took them at there word and Pension Pulse act for me. I can’t thank them enough for the care, understanding and professionalism they have shown, they are so unlike others I tried to deal with. A massive thank you goes to all the staff for making everything run smoothly and easily. A faultless service.”

Mark, Client Rated 5 out of 5

Let’s put some life into your pension.

Get a clear picture of where you stand before you even have to think about commitment. Seeing our recommendation doesn’t commit you to becoming a client. If you decide to go ahead, we’ll explain any costs clearly first.

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