Regulatory boundary

This page is maintained by Pensia to explain what the service does and does not do.

What the service helps you do

• Discover pensions you may have from previous employment.
• Organise pension information and documents in one place.
• Track requests to pension schemes and their responses.
• Build an illustrative picture of your retirement position.
• Record your State Pension forecast from GOV.UK.

What the service does not do

• Provide financial advice.
• Recommend that you transfer, consolidate or change pensions.
• Recommend investments or financial products.
• Execute pension transfers on your behalf.

Important benefits

Some pensions contain safeguarded or guaranteed benefits (for example Defined Benefit rights, guaranteed annuity rates, protected pension ages or protected tax-free cash). These benefits could be lost if a pension were transferred. Where we identify such features, we highlight them and suggest you consider regulated financial advice before making changes.

Illustrations

Retirement projections are illustrations only. They are not predictions or advice, and are based on assumptions you provide. Actual outcomes depend on charges, investment performance, contributions and other factors.