We are experts in UK public sector pension schemes
We piece together pensions and financial wellbeing

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.
Making pensions fun and unpacking the mystery
How we can help you
- 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
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)
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

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
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 .
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

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

MemberZone – What’s New in November 2024
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Launching the Pengage MemberZone
We are so excited to launch our MemberZone for people who want to understand more about their NHS Pension(s), in response to the overwhelming need
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Ask Us Anything
Please get in touch if you would like to know more about our services for individuals