About Putel Pension Guide

Why We Do This Differently

Most pension guidance comes bundled with product sales or fund management services. This creates inherent conflicts where advisors are incentivized to recommend solutions that benefit their commissions rather than your retirement.

We separated guidance from products entirely. Our business model is transparent: you pay for consultation time and expertise, nothing more. We don't earn commissions, manage funds, or have partnerships with pension providers.

This structure allows us to provide genuinely independent perspectives on your pension options, whether that means consolidating, leaving things as they are, or exploring alternatives you hadn't considered.

Our Core Principles

Clarity Over Jargon

The pension industry has created a language barrier that excludes the very people it's meant to serve. We translate complex regulations, scheme rules, and financial concepts into plain language. If something doesn't make sense after we explain it, that's on us to explain better.

Your Timeline, Your Priorities

Retirement planning isn't one-size-fits-all. Some clients want to retire at 55, others plan to work into their seventies by choice. Some prioritize leaving a legacy, others want to maximize their own lifestyle. We build guidance around what matters to you, not generic benchmarks.

Honest About Limitations

We don't have a crystal ball for market performance or future tax policy. When projections require assumptions, we make those assumptions explicit and show you multiple scenarios. Uncertainty is part of long-term planning, and we won't pretend otherwise.

Who We Are

Our team brings together backgrounds in pension administration, financial education, and retirement planning. We've worked on all sides of the pension industry, from scheme administration to regulatory compliance.

That experience showed us a gap in the market: people who needed help understanding their options without being sold products. We built Putel Pension Guide specifically to fill that gap.

Every consultant holds relevant qualifications in pension guidance and commits to ongoing professional development. More importantly, we're all genuinely interested in helping people navigate what can be an intimidating process.