The Trace.

Read the latest pension news and retirement planning tips.

Latest.

Best Pension Consolidation UK 2026: How to Choose

Best pension consolidation UK 2026 — what to look for in a service, what to avoid, fees to compare, and the practical free route most UK savers actually use.

Money Matters

Pension Consolidation: What Martin Lewis Says (UK 2026)

What Martin Lewis and MoneySavingExpert say about pension consolidation — the warnings, the practical steps, and what UK savers should consider.

Retirement Planning

Pension Consolidation Advice: Do You Need It? (UK 2026)

Pension consolidation advice UK — when you legally need it, when it just makes sense, and how regulated pension consolidation services work.

Pension Tips

Find and Combine Pensions UK: How the Process Works (2026)

Find and combine pensions UK — what the term means, how the gov.uk Pensions Dashboard fits in, and what tracing services actually do today.

Pension Tips

How to Combine Pensions UK: Step-by-Step (2026)

How to combine pensions UK — the step-by-step guide. Find your pots, check transfer rules, choose a destination plan, and consolidate cleanly.

Pension Tips

Should I Combine My Pensions? Pros, Cons & How to Decide

Should I combine my pensions? When it's a good idea, when it isn't, the pros and cons of consolidating UK pension pots, and how to make the call.

Money Matters

Lost Pension Search UK: Find Unclaimed Pensions (2026)

Lost pension search UK — find lost or unclaimed pensions in your name. £31.1bn in 3.3m forgotten UK pots. Free Government tools and tracing routes.

Pension Tips

Pensions Search UK: How to Search for Your Pensions

Pensions search UK — search for lost, old and forgotten UK pensions. Free Government tools, NI number searches, and how to find every pension.

Pension Tips

Track Your Pension UK: Find Lost & Old Pensions (2026)

Track your pension UK — find lost, old and forgotten pensions. Free Government tools, your NI number, and what a pension tracker actually does.

Retirement Planning

SERPS Pension Inheritance & Death Benefits (UK Guide)

What happens to a SERPS pension when you die? Inherited SERPS rules, surviving spouse entitlements, and how contracted-out SERPS pots pass to beneficiaries.

Money Matters

SERPS Mis-Selling, Compensation & Refunds (UK 2026)

Were you mis-sold a SERPS pension? 1988–1994 thousands of UK workers were wrongly opted out into personal pensions. What you may be owed.

Retirement Planning

Can You Take SERPS Pension as a Lump Sum or Cash It In?

Can you take SERPS as a lump sum? It depends. State SERPS is paid as income; contracted-out SERPS in a private pension can be cashed in age 55+.

Retirement Planning

Contracted Out of SERPS: What It Means for Your Pension

What does 'contracted out of SERPS' mean? Plain-English UK guide — how it affects your State Pension, and where contracted-out money sits today.

Pension Tips

How to Find Your SERPS Pension: A UK Guide (2026)

How to find your SERPS pension — what HMRC holds, how contracted-out records work, and how to track down a SERPS pot in a private or workplace pension scheme.

Retirement Planning

SERPS Pension Check: How to Check Yours Online (2026)

How to check your SERPS pension — the free Government tools, what HMRC holds, and what to do if you were contracted out. The complete UK SERPS check guide.

Retirement Planning

SERPS Pension Calculator: What Your SERPS Is Worth

How to calculate your SERPS pension. The numbers HMRC uses, how to check your entitlement, and the only free UK SERPS calculator that exists.

Pension Tips

Pension Search by Name: Can You Find a UK Pension?

Can you search for a UK pension by name? No central name-indexed database exists. What works instead, and how to find every pension in your name.

Money Matters

Lost Pension Pots: UK Stats and How to Find Yours (2026)

£31.1bn sits in 3.3 million lost UK pension pots — ~£9,500 each. The latest UK lost-pension stats and how to check for ones in your name.

PTS News

Pension Tracing Day: UK Awareness Day Guide (2026)

Pension Tracing Day is the UK's annual lost-pensions awareness day. When it falls, why it exists, and how to find lost pension pots in your name.

Pension Tips

Pension Tracing Scotland: A Guide for Scottish Workers

Pension tracing for Scottish workers — SPPA schemes, Scottish public sector pensions, and how UK-wide private pensions work for anyone living in Scotland.

Pension Tips

How to Trace a Pension After Bereavement: A UK Guide (2026)

Tracing a deceased relative's UK pensions — records to gather, who to contact, providers' bereavement teams, and the free Government tools.

PTS News

Pension Tracing Service Reviews: Real UK Experiences

Pension Tracing Service reviews — what UK customers say, BBC Watchdog feature, FCA authorisation, and how to verify a pension finder is genuine.

Pension Tips

Find Pension by Provider: UK Workplace Pension Directory

Find your pension by provider — Aviva, Nest, Royal London, NHS, LGPS, Teachers' & dozens more. Where to start, who to contact, what you'll need.

Pension Tips

Gov.UK Pension Tracing vs The Pension Tracing Service®

Gov.UK runs a free pension tracing tool; The Pension Tracing Service® is a separate FCA-authorised firm. What each does — and which to use when.

Money Matters

Find My Pensions Free: Every Free UK Service Compared

Find my pensions UK free? Yes — several genuinely free services exist. Here's an honest comparison of every option, from Gov.UK to the Pension Tracing Service®.

Pension Tips

Find Pensions From Years Ago: Track Down Old Pots (2026)

Old workplace pensions don't expire — they're still yours. How to find pensions from years ago, even if the original employer has gone bust.

Pension Tips

Find My Pensions With My NI Number: What It Unlocks

Can you find pensions with your NI number alone? Honest answer — only State Pension and SERPS records. Here's what your NI number actually unlocks.

Pension Tips

Can HMRC Find My Pensions? What HMRC Actually Knows

Can HMRC find my pensions? Not really — only contracted-out SERPS records. What HMRC does and doesn't know about your UK pension history.

Retirement Planning

What is a Personal Pension? UK Guide (2026)

What is a personal pension UK? How private pensions work, tax relief, contribution limits, vs SIPP vs workplace, and how to start one in 2026.

Retirement Planning

What is the State Pension? UK Guide (2026)

What is the State Pension UK? How it works in 2026, how much you get, when you can claim, NI contribution rules, and how to check your forecast.

Retirement Planning

Is It Too Late to Start a Pension? (UK 2026)

Is it too late to start a pension? Even at 40, 50 or 60 — UK auto-enrolment, tax relief and salary sacrifice still work. Here's the catch-up plan.

Money Matters

How to Avoid Pension Scams: UK Guide (2026)

Thousands of UK savers lose £30m+ to pension scams a year. How to spot fake callers, check FCA-authorised firms, and protect your UK pots.

Contact us

You can also request contact details from the Pension Tracing Service by phone or by post.

The Pension Tracing Service

Telephone: 0800 1223 170

From outside the UK: +44 (0) 1782 389134

Monday to Friday, 9:30 am to 5:00 pm

Address

The Pension Tracing Service

The Lantern

High Street

Ilfracombe

EX34 9QB

Copyright 2026 by Pension Tracing Service®

The Pension Tracing Service® is a trading style of Millennial Wealth Ltd. We are authorised and regulated by the Financial Conduct Authority (FCA number 914746). Pinnacle House, 34 Newark Road, Peterborough, PE1 5YD. Registered company number 11557299.

Profile Pensions is a trading name of Profile Financial Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FCA number 596398). Registered office: Norwest Court, Guildhall Street, Preston, PR1 3NU.

This service is not affiliated with the Department for Work and Pensions or any government body. When you click to get started, you'll be taken to Profile Pensions to complete your sign-up and begin the Find, Check & Transfer service. Capital at risk: the value of investments can go down as well as up and you may get back less than you put in. Past performance is not a guide to future performance. Tax treatment depends on your individual circumstances and may change.
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¹ Unbiased, "Advice worth nearly £5k a year over a decade", December 2022. 3.3 million lost pots / £31.1bn / £9,470 average / +60% since 2018: Pensions Policy Institute (PPI) research.