About Pension Works

About Pension Works

Our mission is to help bring sound financial advice to people from all walks of life. Across the UK, many people regularly pay into their private pension without completely understanding what return they will see when they come to retire. These private pensions are all too often, being consumed by hidden fees, excessive charges and poor performance.

We pride ourselves on our open and transparent advice that always puts you first, and we will only ever make recommendations that would be in your best financial interests.

Our team of pension experts are fully authorised and directly regulated by the Financial Conduct Authority, so you can be confident that any advice is delivered to the highest industry standard with clear, simple and jargon-free language.

Call Pension Works on 0808 164 2664 and let us help make your pension work for you.


About Pension Works

Our service can advise on:

Final Salary

To advise on Final-Salary (also called Defined Benefit) pensions, independent financial advisers need specific professional qualifications. We have all the necessary qualifications to assess and advise on final-salary pensions. It is a legal requirement should your final-salary pension be worth over £30,000 to get financial advice from a fully qualified independent financial adviser to transfer out your pension.

Pension Consolidation

It’s critical to keep a close eye on your personal pension savings. Moving your pensions into one policy could potentially make it easier to manage and reduce the chances of losing track of your money. We can advise on whether pension consolidation is in your best interests and if you can save money on charges by moving your personal pensions and we can manage all the transfers for you.

Pension Drawdown

We can help you to access your tax-free cash if you’re over 55 years of age, or if your pension doesn’t allow drawdown, move your pension to give you more flexibility. Our pension experts can offer advice on the best way of accessing your funds and highlight the impacts of taking your money early could have on your future.

Retirement Planning

If retirement is on the horizon, our financial advisers can help you to put a plan together, to make sure you’re on track for the comfortable retirement you deserve. We can also advise on if buying an annuity or taking your pension through pension drawdown is the best option for you and your future.

Pension Assessment

Pension performance can be volatile, and your private pension could decline in value quickly. We can check your pension performance to ensure you are not losing out on valuable pension funds for your retirement.

Pension Transfers

When considering transferring your pension(s) to another provider, there are many things you need to think about, but our Independent Financial Advisers can work through all the options to help you make informed choices.


All about Pension Works

Based in Knutsford, Cheshire

Based in leafy Knutsford, Cheshire, we are ideally situated to assist people with all aspects of their retirement planning. Although we are predominately a telephone-based financial advisory business, our offices at Booths Park on Chelford Road, have ample free parking and a warm welcome awaits you should you wish to visit.

Pension Works directly employ all of our independent financial advisers, who work from our offices and are fully qualified to advise on most types of pensions, from personal pensions and SIPPs to final-salary pension schemes.


Peace of mind

We work with all major UK pension providers allowing us to find the pension that helps you meet your retirement goals, and ensures your retirement is in experienced hands.

Pension Fees Calculator

Our free pension HealthCheck will carefully assess whether your private pension is being consumed by excessive fees or hidden charges, which could be preventing you from retiring with extra funds.

Simply provide your pension pot size and age below, to calculate how much we could help your pension grow:

The higher the charges, the longer it may take you to retire and the less you could be retiring with.