The Pension Tracing Service® is a UK pension finder. We help people locate the pensions they've lost track of — old workplace pensions, contracted-out SERPS contributions, personal pensions, public sector schemes — and decide what to do with them once they're found.
We've been doing this since 2012. We're authorised and regulated by the Financial Conduct Authority (FCA number 914746), trading as Millennial Wealth Ltd. We've been featured on BBC Watchdog for our work helping people reunite with lost pension pots.
This page explains who we are, exactly what we do, what we charge, and how to get started.
The Pension Tracing Service® is a registered trademark of Millennial Wealth Ltd, a UK company that has been trading since 2012. We're regulated by the Financial Conduct Authority (FCA number 914746) and authorised to provide regulated activities including pension transfer advice.
We are not affiliated with the UK Government. The Government runs its own free pension tracing tool (launched in 2016) at gov.uk/find-pension-contact-details — that's a separate service that returns scheme contact details. We are a private firm offering a full end-to-end pension finding service. The two are sometimes confused because of the similar names; we cover the difference in detail in our Gov.UK vs PTS comparison guide.
We help you with three things:
You give us a few details — name, date of birth, NI number, rough work history. We contact:
HMRC for your contracted-out SERPS records
The DWP for your State Pension record
Pension providers in your work history (Aviva, Standard Life, Scottish Widows, Aegon, Royal London, Nest, The People's Pension, Now Pensions, and many more)
Scheme trustees for older occupational pensions
Your previous employers, where the pension was a workplace scheme
You don't have to make a single phone call yourself. We do all the chasing.
For every pot we locate, our regulated advisers check:
The current value (cash value for DC pensions; annual income for DB / final-salary pensions)
The annual management charges and any other fees
Performance versus comparable funds
Any guarantees the scheme carries (e.g. guaranteed annuity rates) that you'd lose by transferring out
Whether consolidating the pot into a new plan would be in your interests, or whether you should leave it where it is
You get a single, plain-English report covering every pension in your name.
If consolidating is the right move, we can transfer your pots into a new personalised pension plan tailored to your goals — choosing funds from the whole of the market. If staying put is better for you, we'll say so.
This is regulated pension transfer advice. It's why we're FCA-authorised and not just a directory tool.
The pricing is intentionally transparent.
Finding your pensions: free. No charge to locate them.
Reviewing them: free. No charge for our advisers to value, compare and recommend.
Combining them into a new plan: a one-off 1% fee on transfer, taken from the pension itself (not your bank account).
Ongoing management: 0.82–0.86% annually, depending on the plan chosen for you.
If we don't find a pension, or if our advisers can't improve on what you've already got — you pay nothing.
For comparison, many legacy workplace pensions still charge 1.5–2% per year. Even before considering the convenience, the maths often works out in your favour. We'll always show you the numbers before anything moves.
Most of our customers fall into one of these situations:
They've worked at multiple employers over decades and don't have time to phone each scheme administrator individually
They have paperwork lost or moved in house moves and can't remember which providers they had pensions with
They've moved house and stopped getting statements — pensions can quietly drift out of view in 5–10 years
They've changed names (often after marriage or divorce) and providers' records are out of sync
They were contracted out of SERPS at some point and want to recover those records from HMRC
They want a single, current picture of every pension in their name and clear advice on what to do next
The hardest part is starting. The rest is just process.
There are several routes to finding lost pensions in the UK. Here's where we sit relative to the alternatives.
Vs the Gov.UK Find Pension Contact Details tool — Gov.UK gives you the phone number to call. We do the calling. They don't return valuations or advice; we do both.
Vs MoneyHelper — MoneyHelper provides free guidance about pensions in general but doesn't trace pensions or offer regulated advice on what to do with them.
Vs DIY — you can absolutely do all of this yourself with the Gov.UK tool, your work history and a lot of phone calls. The trade-off is time and the risk of giving up halfway through. We do the same searches in parallel and chase every provider for you.
What you get from us specifically: regulated advisers, contracted-out SERPS recovery from HMRC, a single consolidated report, and the option (if you want it) of bringing all your pensions together into one modern plan.
A few facts that matter when you're choosing who to trust with your pension records:
FCA-authorised under firm reference number 914746 — verifiable on the FCA Register
Trading since 2012 — over a decade of helping UK customers find lost pensions
As seen on BBC Watchdog — featured in their reporting on pension tracing
Trading style of Millennial Wealth Ltd, a UK limited company
Not affiliated with any government body — clearly disclosed throughout our site
The fastest way to get started is to sign up online. The form takes a few minutes and is the most efficient way to begin a trace, because it captures the data we need to start contacting providers immediately.
If you'd prefer to read more before starting:
Pension Finder UK guide — the wider context for UK pension finder services
How to find my pensions — the underlying process explained step by step
Gov.UK vs PTS comparison — the difference between the Government tool and us
Pension Tracing Service Reviews — what customers say about working with us
Yes. The Pension Tracing Service® is the trading name of Millennial Wealth Ltd, a UK company FCA-authorised under firm reference number 914746. We've been trading since 2012 and have been featured on BBC Watchdog.
No. The Pension Tracing Service® is a private, FCA-authorised firm. The UK Government runs a separate free tool at gov.uk/find-pension-contact-details. The two services are sometimes confused due to the similar names — they are not affiliated.
Tracing your pensions is free. Reviewing them with our advisers is free. The only fee is a one-off 1% if you choose to consolidate them into a new plan, with 0.82–0.86% annual management thereafter. If we can't find anything or can't improve on what you've got, you pay nothing.
The fastest route is the sign-up form on our website. The form captures the basic details we need to start contacting providers on your behalf. We're a digital-first service — there's no call centre to wait on hold for, and the online form gets your trace moving the same day.
Typically a few weeks for a single straightforward pot, up to a few months for a complex work history with multiple schemes. We chase providers for you and keep you updated as findings come in.
Yes — by the Financial Conduct Authority under firm reference number 914746. You can verify this on the FCA Register. Regulation matters for pension transfer advice; non-regulated services can locate a pension but legally cannot advise you on what to do with it.
No — we don't trace pensions on behalf of deceased relatives. Our service is for living pension members tracing their own pensions only. We do publish a free guide on tracing a deceased relative's pension which walks through the steps and points to the providers' bereavement teams and Government services that can help.
Yes — we cover all of the UK. Some of the underlying schemes vary by region (the Scottish Public Pensions Agency runs separate teacher and NHS schemes, for example) but the tracing process is the same. See our Scotland-specific guide for more.
Yes. UK pensions don't expire — even pensions from 30+ year-old jobs are still findable. We routinely trace pensions through provider mergers, scheme buyouts, and employer insolvencies. See our years-ago guide for more.
There isn't one. We earn money only when customers choose to consolidate, because that's where regulated advice and ongoing management add real value. If consolidation isn't right for you, we don't push it — and you pay nothing.
If you've ever wondered whether you've left money behind in an old workplace pension, this is the moment. Tracing is free, takes a few minutes to start, and gives you a clear answer rather than a nagging "I should look into that one day" feeling.
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.
See how we handle your data.
