We are experts in UK public sector pension schemes
We piece together pensions and financial wellbeing
Making pensions fun and unpacking the mystery
For most of us, our pension is our biggest asset and yet we rarely give this the focus it needs. When we do try to understand our pensions it can often lead to information overload and disengagement instead of engagement and understanding.
In 2018 we created Pen-gage to piece it all together, unpack the mystery and make it fun.
We talk about retirement as the ’25 year holiday’ and use data to help people to understand the level of income they will need in retirement. We then explain how they can get there and enjoy it. Without trying to sell them anything. Get in touch to discuss how.
How we can help you
As well as free Webinars, we can help you on a one-to-one basis if you need:
- A 25-minute discussion about your pension benefits
- A 45-minute discussion about your McCloud options pack (Remediable Service Statement – RSS)
- Support and guidance completing the form/paperwork necessary to apply for your pension benefits
- Detailed calculation support on pensions tax issues, particularly the Annual Allowance
- Modelling of your pension benefits, incorporating the impact of McCloud
- Our new subscription MemberZone for NHS Pensions information – lots of scheme information presented in a user-friendly way to help you understand what you have and how you can make better-informed decisions about your pension
- Help with updating HMRC with your Remedial Pension Savings Statements (RPSS)
- Help with unpicking a decision you’d have made differently because of the McCloud age discrimination – Contingent Decision
How does it work?
We’ll agree your objectives at the outset and ask you for some background information.
When we’re discussing your situation and helping you complete forms, we’ll work with you online, using video calls and screen sharing.
For work involving calculations, we’ll carry out some of this work offline and prepare a detailed, personalised report. We’ll then arrange an online meeting with you to discuss it.
What will it cost?
We’ll agree a fee with you at the outset. Typical costs, will be:
- 25-minute discussion – £165 + VAT (£198)
- Support and guidance completing paperwork – £125 + VAT (£150)
- Pensions tax support – £700 – £1,000 + VAT
- Benefit modelling, incorporating McCloud – £450 – £2,000 + VAT
- McCloud options discussion – £250 + VAT (£300)
- McCloud Rollback HMRC RPSS service – £825 + VAT (£990 – cost claim back support also given)
- McCloud Contingent Decision service – £1250 + VAT (£1,500 – cost claim back may be possible)
The ranges quoted are a guide. They reflect that there are varying levels of complexity and a range of ‘what if?’ scenarios possible. We’ll help you decide what would work best for you based on what has worked well for other people.
What our clients say
I stumbled across the Pengage Facebook group by complete accident, and it has to be the best accident I’ve ever had! From there I found the Pengage website and the Pengage member zone. In the 15 months leading up to my partial retirement from the NHS the advice and guidance was invaluable. I was able to understand what I needed to do and what I could expect to receive. Laura’s no nonsense way of explaining the system was so clear and easy to understand.
I also paid for some personal advice from Gilly and again this was so helpful.
As I have learnt your pension is one of, if not your greatest assets and so you need to know what you need to know!
Pengage arms you with that knowledge. Thank you so much to all of the team.
I also paid for some personal advice from Gilly and again this was so helpful.
As I have learnt your pension is one of, if not your greatest assets and so you need to know what you need to know!
Pengage arms you with that knowledge. Thank you so much to all of the team.
I stumbled across the Pengage Facebook group by complete accident, and it has to be the best accident I’ve ever had! From there I found the Pengage website and the Pengage member zone. In the 15 months leading up to my partial retirement from the NHS the advice and guidance was invaluable. I was able to understand what I needed to do and what I could expect to receive. Laura’s no nonsense way of explaining the system was so clear and easy to understand.
I also paid for some personal advice from Gilly and again this was so helpful.
As I have learnt your pension is one of, if not your greatest assets and so you need to know what you need to know!
Pengage arms you with that knowledge. Thank you so much to all of the team.
I also paid for some personal advice from Gilly and again this was so helpful.
As I have learnt your pension is one of, if not your greatest assets and so you need to know what you need to know!
Pengage arms you with that knowledge. Thank you so much to all of the team.
I’m going through the process of applying for my pension and with all the changes in the scheme it left me a little confused and worried. Gilly at Pengage was excellent. She wrote a detailed report, breaking down my options with clear explanations and the follow up meeting was invaluable. It really is worth paying for a 1:1 to help you decide what options are best for you. There were many things I wasn’t aware of or considered and I had already done a fair bit of research myself. Excellent advice and a great service. Thank you Gilly.
I’m going through the process of applying for my pension and with all the changes in the scheme it left me a little confused and worried. Gilly at Pengage was excellent. She wrote a detailed report, breaking down my options with clear explanations and the follow up meeting was invaluable. It really is worth paying for a 1:1 to help you decide what options are best for you. There were many things I wasn’t aware of or considered and I had already done a fair bit of research myself. Excellent advice and a great service. Thank you Gilly.
Absolutely brilliant! Laura was so helpful and turned what seemed to be quite a daunting and confusing situation, into one that I now feel more in control of!! So glad we have people like Laura and the team at Pengage! Thank you x
Absolutely brilliant! Laura was so helpful and turned what seemed to be quite a daunting and confusing situation, into one that I now feel more in control of!! So glad we have people like Laura and the team at Pengage! Thank you x
I can't recommend Pengage enough. The appointment I had with Laura was brilliant, she made everything about my pension make sense. Nothing was too much trouble, very professional and helpful. A fantastic service.
I can't recommend Pengage enough. The appointment I had with Laura was brilliant, she made everything about my pension make sense. Nothing was too much trouble, very professional and helpful. A fantastic service.
I was following the Facebook page and was getting totally lost and confused. Decided to go for one to one. Best decision ever. 25 mins with Laura and all sorted. What I thought was so confusing turned out to be so simple. Worth every penny👍
I was following the Facebook page and was getting totally lost and confused. Decided to go for one to one. Best decision ever. 25 mins with Laura and all sorted. What I thought was so confusing turned out to be so simple. Worth every penny👍
I booked a meeting with Laura to verify the information I had received about my pension and lump sum. She carefully reviewed everything and reassured me that the forecast was accurate. Her expertise and ability to explain complex details in a clear, understandable way are outstanding. I highly recommend her services!
I booked a meeting with Laura to verify the information I had received about my pension and lump sum. She carefully reviewed everything and reassured me that the forecast was accurate. Her expertise and ability to explain complex details in a clear, understandable way are outstanding. I highly recommend her services!
This company offer and deliver exactly what they say. Prompt responses and clear advice. Used for NHS pension. Worth every penny for 25 min consultation. Totally recommend
This company offer and deliver exactly what they say. Prompt responses and clear advice. Used for NHS pension. Worth every penny for 25 min consultation. Totally recommend
I cannot recommend Laura and her team highly enough. I used them to give me a Pension forecast and it was definitely worth every penny. I received a detailed report followed up with a Teams meeting to go over its contents. Thank you again Laura and your Team.
I cannot recommend Laura and her team highly enough. I used them to give me a Pension forecast and it was definitely worth every penny. I received a detailed report followed up with a Teams meeting to go over its contents. Thank you again Laura and your Team.
Excellent meeting with Jilly. She was exceptionally knowledgeable, kind, and compassionate about my situation; She gave me time to ask questions and went over things until I understood them properly. My understanding of my pension has more than doubled.
An invaluable meeting I'd recommend to others without any hesitation
An invaluable meeting I'd recommend to others without any hesitation
Excellent meeting with Jilly. She was exceptionally knowledgeable, kind, and compassionate about my situation; She gave me time to ask questions and went over things until I understood them properly. My understanding of my pension has more than doubled.
An invaluable meeting I'd recommend to others without any hesitation
An invaluable meeting I'd recommend to others without any hesitation
Expert advice and information on a complicated subject delivered in a friendly, concise and straight forward way. Fabulous service!
Expert advice and information on a complicated subject delivered in a friendly, concise and straight forward way. Fabulous service!
Clear report, prompt replies and non-patronising advice about understanding the complexities of public sector pensions and recent changes
Clear report, prompt replies and non-patronising advice about understanding the complexities of public sector pensions and recent changes
Highly professional and knowledgeable, discussion with Laura was insightful providing the answers I had struggled to find through an IFA. I have booked a follow up to future proof provision as family circumstances change. Thank you
Highly professional and knowledgeable, discussion with Laura was insightful providing the answers I had struggled to find through an IFA. I have booked a follow up to future proof provision as family circumstances change. Thank you
Having seen Laura on the medics money podcast I recently used Pegage,s services .
Laura was very helpful & quick to respond by email & the pensions review was thorough & gave me the information I needed to guide me through my pensions questions to help future decision making .
Definitely recommend
Laura was very helpful & quick to respond by email & the pensions review was thorough & gave me the information I needed to guide me through my pensions questions to help future decision making .
Definitely recommend
Having seen Laura on the medics money podcast I recently used Pegage,s services .
Laura was very helpful & quick to respond by email & the pensions review was thorough & gave me the information I needed to guide me through my pensions questions to help future decision making .
Definitely recommend
Laura was very helpful & quick to respond by email & the pensions review was thorough & gave me the information I needed to guide me through my pensions questions to help future decision making .
Definitely recommend
Would highly recommend Pengage! From start to finish friendly, knowledgeable staff. Laura explained everything in a way I could understand
The process of gathering information for checks was self explanatory and relatively easy.
Laura always replied to email queries quickly!
This was a service well worth the fee for peace of mind and has made it easier to plan retirement .
The process of gathering information for checks was self explanatory and relatively easy.
Laura always replied to email queries quickly!
This was a service well worth the fee for peace of mind and has made it easier to plan retirement .
Would highly recommend Pengage! From start to finish friendly, knowledgeable staff. Laura explained everything in a way I could understand
The process of gathering information for checks was self explanatory and relatively easy.
Laura always replied to email queries quickly!
This was a service well worth the fee for peace of mind and has made it easier to plan retirement .
The process of gathering information for checks was self explanatory and relatively easy.
Laura always replied to email queries quickly!
This was a service well worth the fee for peace of mind and has made it easier to plan retirement .
Offered an NHS pensions review at a cost well less than many other providers. Prompt report followed by an MS teams review. Laura is very engageable and helpful, answers explained clearly. Would recommend to other professionals who need similar reviews
Offered an NHS pensions review at a cost well less than many other providers. Prompt report followed by an MS teams review. Laura is very engageable and helpful, answers explained clearly. Would recommend to other professionals who need similar reviews
Can't recommend Laura Bowler and Pengage enough. Clear, practical and personable help with navigating a challenging combination of pension and tax issues.
Can't recommend Laura Bowler and Pengage enough. Clear, practical and personable help with navigating a challenging combination of pension and tax issues.
Highly recommend Pen-gage. Laura made everything easy to understand. The report sent out explained everything and the opportunity to discuss it all in full on a 121 basis made it even better. Laura explained what further action I needed to take and helped me draft an email to send to my pension provider. Its what you don't know and it is so important to have someone who does know explain it all clearly and guide you to the best outcome for you. It is worth every penny. It has taken away all my worries and made me able to plan for my future with confidence. Thank you Laura.
Highly recommend Pen-gage. Laura made everything easy to understand. The report sent out explained everything and the opportunity to discuss it all in full on a 121 basis made it even better. Laura explained what further action I needed to take and helped me draft an email to send to my pension provider. Its what you don't know and it is so important to have someone who does know explain it all clearly and guide you to the best outcome for you. It is worth every penny. It has taken away all my worries and made me able to plan for my future with confidence. Thank you Laura.
Very happy with my consultation with Lauren yesterday. The process from start to finish was easy and the report was detailed. Thank you.
Very happy with my consultation with Lauren yesterday. The process from start to finish was easy and the report was detailed. Thank you.
Highly recommended. The process was very easy, with smooth on-line booking and document submission processes, and I am very pleased with the report and advice that Laura and the team provided. I have been happily recommending Pengage to my friends and colleagues in the NHS Pension Schemes.
Highly recommended. The process was very easy, with smooth on-line booking and document submission processes, and I am very pleased with the report and advice that Laura and the team provided. I have been happily recommending Pengage to my friends and colleagues in the NHS Pension Schemes.
Who we are
About Pen-gage
The pensions industry has been trying to improve engagement for years. This has often led to a focus on compliance and detail, which has actually disengaged people.
In 2018 we created Pen-gage to do it differently. And it’s not as hard as it seems. Our focus is to get people to take action, not to sell them anything.
We are successful because we make a difference. This led to our small firm being Highly Commended in the category of Financial Education Provider of the Year at the 2021 Workplace Savings & Benefit Awards.
Making pensions fun and unpacking the mystery
From the blog
Latest News and Advice
Pension Savings Statements: What They Mean and What You Need to Do
If you’ve recently received a letter in the post titled Pension Savings Statement (PSS), it’s important to understand what it means — and what action you may need to take.
October 7, 2025
MemberZone – What’s New in April 2025
We know you’ve been wanting these – we’re finally ready to release BETA version of our Future Pension Income Calculators
April 19, 2025
MemberZone – What’s New in November 2024
Welcome to the first “What’s New” update from Pengage – thanks for joining our MemberZone. We hope you’re finding the content useful, however near
November 14, 2024
Get in touch
Ask Us Anything
Please get in touch if you would like to know more about our services for individuals