We work for you
As an independent, impartial firm, we are not tied to any pension provider and this allows us to work with the whole of the market to ensure we find the best performing pension for you.
Pension Works is regulated directly by the Financial Conduct Authority, so you can rest assured that any guidance and advice we provide will always be in your best financial interests.
We value our reputation and your financial security, so will only recommend providers that are reputable, trustworthy and well-established, including the most well-known pension companies in the UK.
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.
What our clients say
Used Pension Works to discuss transferring my defined benefits pension after seeing the excellent reviews they received. Process was extremely simple and they kept me informed throughout the review. Everyone I spoke to from the initial contact right through to the advised was extremely helpful and friendly would definitely recommend
Mandy MacKenzie - May 2021
Excellent service, they pulled out the stops to deliver on time. Not only that, but the quality and detail of the advice was excellent. I should add that I worked in FS for over 40 years and am not easily impressed, but they did!
David - October 2021
My experiences with PensionWorks have been very positive. Very professional service with skilled people taking you through the process and explaining every step. Communications very good and timely as well which enabled everything to flow seamlessly.
Tony Stewart - June 2021
Alastair Milner provided a very professional service from start to finish. Extremely knowledgeable, undertook a detailed fact find and fully understood what I was trying to achieve. Provide sound, clear and concise advice. Clearly a people person who puts customer service top of his agenda. I would highly recommend Pension Works and Alastair.
Colin M - August 2021
Paul Chester made what can be a difficult process as easy as possible. He made a clear case for both the pros and cons of transferring out of a defined benefit scheme whilst listening to and understanding my needs. He worked quickly and efficiently and was easy to reach when I needed questions answered...an easy 5/5 from me.
Andrew Gordon - July 2021
Dealing with Andrew Murphy, very professional with a lovely friendly manner that immediately puts you at ease. Would recommend Pension Works and particularly Andrew for any advice etc needed. 5/5 on all counts. Thank you Andrew
Michael Kelly - September 2021
The service from all team members from start to finish was excellent. Alistair Milner was professional, informative and clearly explained the process and all options at each stage. I would recommend without reservation Pension Works.
Lynn Stapleton - January 2022
I have received excellent service from the team at Pension Works. They have always been very friendly on the phone and quick to respond. The IFA dealing with my transfer, Paul Chester, explained everything in simple but informative terms making sure I understood the implications of the transfer in respect of my overall retirement as well as the costs incurred so there were no surprises.
Wendy Wilson - March 2021
Excellent service from James at pension works,direct and clear cut ,every detail wether it was plus or a negative explained in a manner that you can understand clearly, would certainly recommend them to handle your financial investment.
Stephen Barber - February 2021
About us
ISO 9001 accredited – meeting the international standard for quality management
5 Star Trustpilot rating – consistent positive customer feedback
Independent & transparent – we are not tied to a single pension provider
Authorised and regulated by the Financial Conduct Authority – for your
peace of mind
