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Nigel Heaton

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Pensive Senior Woman Counting Taxes
Budget /Chancellor's statements
Nigel Heaton

Lifetime Allowance

One of the biggest talking points from the March 2023 budget was the removal of the Lifetime Allowance. The Lifetime Allowance had been in place

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April 26, 2023 No Comments
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Technical Updates
Nigel Heaton

Technical Update

This is the first of a regular series of technical updates. These will typically focus on those schemes we work with most frequently. This includes

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February 21, 2023 No Comments

Customer Reviews

Pengage
5.0
Based on 74 reviews
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Lisa McFall
18:43 01 Oct 25
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.
Lisa McFall
18:43 01 Oct 25
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.
Lee Hyett-Powell
05:03 12 Sep 25
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.
Lee Hyett-Powell
05:03 12 Sep 25
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.
Michael
16:09 29 Aug 25
Clear and understandable advice. Thank you
Michael
16:09 29 Aug 25
Clear and understandable advice. Thank you
Michael Delaney
07:55 22 Aug 25
Excellent work with Laura and team.
Michael Delaney
07:55 22 Aug 25
Excellent work with Laura and team.
Wendy A
09:50 23 Jul 25
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
Wendy A
09:50 23 Jul 25
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
Sue B
12:05 17 Jul 25
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.
Sue B
12:05 17 Jul 25
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.
karen Dodson
12:01 16 Jul 25
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👍
karen Dodson
12:01 16 Jul 25
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👍
Susan
12:24 14 Jul 25
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!
Susan
12:24 14 Jul 25
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!
jay Lowe
07:25 10 Jul 25
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
jay Lowe
07:25 10 Jul 25
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
Joanne Fanning
12:27 02 Jul 25
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.
Joanne Fanning
12:27 02 Jul 25
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.
Christina Macleod
10:52 01 Apr 25
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
Christina Macleod
10:52 01 Apr 25
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
Mandy Gibson
20:06 20 Dec 23
Expert advice and information on a complicated subject delivered in a friendly, concise and straight forward way. Fabulous service!
Mandy Gibson
20:06 20 Dec 23
Expert advice and information on a complicated subject delivered in a friendly, concise and straight forward way. Fabulous service!
Marie Magee
09:43 20 Dec 23
fantastic service, so helpful . cannot thank you enough
Marie Magee
09:43 20 Dec 23
fantastic service, so helpful . cannot thank you enough
Helen Leonard
15:33 10 Dec 23
Clear report, prompt replies and non-patronising advice about understanding the complexities of public sector pensions and recent changes
Helen Leonard
15:33 10 Dec 23
Clear report, prompt replies and non-patronising advice about understanding the complexities of public sector pensions and recent changes
P CROWE
11:15 07 Dec 23
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
P CROWE
11:15 07 Dec 23
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
Velo Club Newport Secretary
19:21 26 Nov 23
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
Velo Club Newport Secretary
19:21 26 Nov 23
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
Kerry White
12:04 23 Nov 23
Kerry White
12:04 23 Nov 23
Teresa Creighton
06:56 16 Nov 23
Very professional service. The reports are detailed are informative.
Teresa Creighton
06:56 16 Nov 23
Very professional service. The reports are detailed are informative.
Julie Howson
20:12 01 Nov 23
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 .
Julie Howson
20:12 01 Nov 23
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 .
Graham Hill
12:42 26 Oct 23
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
Graham Hill
12:42 26 Oct 23
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
Joanne Dee
08:22 24 Oct 23
Can't recommend Laura Bowler and Pengage enough. Clear, practical and personable help with navigating a challenging combination of pension and tax issues.
Joanne Dee
08:22 24 Oct 23
Can't recommend Laura Bowler and Pengage enough. Clear, practical and personable help with navigating a challenging combination of pension and tax issues.
Morag Wright
11:09 20 Oct 23
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.
Morag Wright
11:09 20 Oct 23
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.
Siji John
10:37 03 Oct 23
Very happy with my consultation with Lauren yesterday. The process from start to finish was easy and the report was detailed. Thank you.
Siji John
10:37 03 Oct 23
Very happy with my consultation with Lauren yesterday. The process from start to finish was easy and the report was detailed. Thank you.
Steve Thomas
16:12 22 Aug 23
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.
Steve Thomas
16:12 22 Aug 23
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.

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