Pense Avis 

James Allott provided a comprehensive review of all my options for retirement. On subsequently choosing an annuity he then found the best rate for me. Despite Pense's best efforts there were unexcusible delays from both the investment company and the chosen annuity provider. This lead to expiry of the original annuity quote. However James moved quickly and obtained an even higher quote. Then the hard work started from both Amber and Harriet to fast track the transfer of funds for the annuity. They dealt with the two companies in such an efficient and persistent manner that I nicknamed them the Rottweilers! They never let go until not only was the annuity in place but they even acquired compensation from both companies for their tardiness!
You are in good hands with Pense.

The team at Pence kept me informed all the way through the process, from advice to setting up my pension .

I am retired and wanted security for my wife also, who is just a few months from retirement. With my pension I didn't want any investment risk with the markets anymore. I cannot fault Pense, after a couple of telephone appointments lasting about one hour per call, our financial adviser built a portfolio of my wife and my situation. The financial adviser could then confidently recommend what we should do with my retirement pension, the financial adviser said the best thing for us is a lifetime annuity pension. Transferring and moving my pension from where it was, our financial adviser told us which company was offering the best lifetime annuity pension. Our financial adviser filled in all the forms which we signed to apply for a lifetime annuity. All details of the lifetime annuity pension, were explained to us in detail and how it works. From start to completion of our lifetime annuity pension, we were allocated a lady from Pense to manage our application. This lady was also excellent, keeping us informed with how our pension transfer from one business to the lifetime annuity pension business application was progressing. Every Friday the lady at Pense emailed me, explaining how every stage has been completed. From start to completion it took about 4 weeks, all went through very smoothly.

I decided, having reached 55 years of age, that I would like to access my private pension pot, with a view to using it to fill the 12 year gap until I'm eligible for the state pension (assuming the pension age goalposts aren't moved between now and then!) Having requested some information from a third party Pense reached out to me, and I can honestly say that my experience of dealing with them has been smooth & efficient from start to finish. Although technically I went for an "unadvised" service, the guidance they provided at every step of the process was excellent.
All of the staff are professional & efficient. During the early stages of advising my options, Richard and Ross were particularly helpful, then Russell guided me through the initial application process. Once the application was in progress, I was kept updated at every stage by Amber, Chloe & Lauren. Emails were answered promptly, and any telephone calls were friendly & reassuring. It's been a pleasure to deal with each and every one of them.
Overall, as someone who isn't a financial expert by any means, I am very glad to have discovered Pense and wouldn't hesitate to recommend them and their services.

I would thoroughly recommend Pense.
James was very informative at explaining everything to me and I was kept in the loop with regular updates from Amber, Harriet and all the team- thank you

I cant thank these good people enough.
Pensions i find confusing and these lovely people sorted everything for me with no problems.
Investigating an ancient pension for me.
I really am so pleased.

I was having problems with my pension. I contacted Pense, and spoke to Kirk who was most helpful. He contacted my pension provider with my permission to obtain a copy of my pension forecast and then advised me on how to proceed. All this was done with no cost to me. I would recommend Pense, they were most helpful and kept me informed every step of the way.

Our initial consultation was with Ross Taylor, who was very helpful, explaining the process and answering all our queries. Our second consultation was with Kirk Yeoman's who gave us an updated quote due to changes in circumstances, again being very helpful. We were guided throughout the process, including help where we needed it, and received regular updates until it's conclusion, from Amber, Chloe, Katie and Harriet - thank you all.

I engaged with a number of well known established annuity companies who all guaranteed the highest annuity rate and also some lesser known companies. Pence were by far the easiest to deal with, Russell gave excellent advice during the quote process and thanks to him I got the best quote of all the companies I was dealing with, which I am delighted with. Once the quote was accepted Amber kept me informed on a weekly basis right up to receiving my first annuity payment. To sum Pence up they got me the best deal and gave me a great service in every step of the process and a big thank you to Russell and Amber.

Excellent company to deal with
Kept me informed about my pension all through the process
Katie /Amber etc were all very good at there rolls in sorting everything out
Would use again if I needed and information and help with any financial issues

Great service from start to finish. Amber went above & beyond to make sure I was kept updated at all times. She provided regular feedback on what turned out to be a nightmare case, albeit nothing to do with Pense. I could highly recommend them and Amber to any prospective customers and will refer any friends or family to their service.

Good service and communication throughout my dealings with Pense.
Good financial advice without trying to oversell their services

Excellent service from start to finish. I had been pondering on what to do with my small Sipp pension pot and a small works pension for a while, after contacting a few advisors I opted for Pense and I am so glad I did. The advice and service I received was excellent. From the initial appointment meetings through to the advice meetings and the ongoing communications flow throughout everything was top notch. All questions were answered clearly and options were explained simply. No hard sell anywhere along the line. Perfect. A big mention to all the team, Nick, Amber, Chloe, Katie, Harriet & Steve and all others in the background. Keep up the good work.

Pense, helped me to understand my pension options with clear and helpful guidance.
Great administration team who keep you updated through the whole process.
Thank you
Vincenzo

Excellent service great advice that left me confident in moving my pension.

From my initial contact with Pense I was pleased with their handling and clarity. Thoroughly professional and attention to detail faultess. My contact, Harriet Lyall, was very much hands-on and answered any queries I had promptly and clearly. Would definitely recommend to anyone lost in the mire of Pensions.

The first adviser firm I started to engaged with was pushy to the extreme and with high fee tag to go with it. So thank you Pense for restoring my faith in IFA's. The communications from them were few, but gave updates on the progress of my Annuity at each stage. Their fee was fixed for this service and was very competitive.

Pense did very little for me … but what they did do was excellent, and that’s the point. The best option for me, in my unusual circumstances, was not to purchase any financial product and Pense told me that in plain terms. So, Pense made nothing out of me but I got very good advice. If I need further pension advice, I shall surely turn to Pense.

What a relief to deal with Pense. I didn't realise the nature of questions one is asked when taking advice on pensions and my first experience from a large company was dreadful; aggressive,rude and no concept of service. James at Pense did a super job and brought a balance of humanity and professionalism. Once I decided to proceed, the administration team of Heather and Chloe and manager Harriett were again very personable and professional, both essential qualities. It is very rare for me to give 5 stars for anything, but in this instance totally deserved. I wish more providers were like Pense.

Very efficient follow-up process and customer service.