--- title: "Find Lost Pensions and Pension Advice | Pensions Advice UK" url: https://pensionsadviceuk.com/ description: "Find lost pensions from old jobs, or speak to an FCA-authorised pension adviser. We are an introducer: tell us what you need. Free to enquire." last_updated: 2026-10-08 publisher: "Pensions Advice UK (a trading name of GAP-GNX Ltd)" language: en-GB --- Pension help for UK residents # Find a lost pension, or speak to a pension adviser. Pensions Advice UK is an introducer for people across the UK. Tell us what you need and we’ll put you in touch with an FCA-authorised adviser or a pension tracing service. It’s free to enquire. Start your enquiry - FCA-authorised advisers - Free to enquire - We call back within the hour, 9am to 5pm on weekdays - Introductions to FCA-authorised advisers - Free to enquire - We call back within the hour, 9am to 5pm weekdays - Details passed on only with your consent How we can help ## Lost a pension, retiring soon, or want advice? Start with whichever is closest to your situation. ### Find lost pensions Lost track of an old workplace pension? See the two ways to have it found, and what each costs. - [Pension tracing service](https://pensionsadviceuk.com/pension-tracing-service/) - [How tracing works and costs](https://pensionsadviceuk.com/why-pay-for-pension-tracing/) - [Find your SERPS pension](https://pensionsadviceuk.com/serps-state-earnings-related-pension-scheme/) ### Retirement options Approaching retirement? Compare annuities, drawdown and lump sums. - [Annuity quotes and rates](https://pensionsadviceuk.com/annuity-quotes/) - [Pension drawdown](https://pensionsadviceuk.com/pension-drawdown/) - [How to take your pension](https://pensionsadviceuk.com/how-to-take-your-pension/) ### Advice Regulated advice on consolidation, final salary schemes, wealth and inheritance tax. - [Pension advice](https://pensionsadviceuk.com/pension-advice/) - [Pension consolidation](https://pensionsadviceuk.com/pension-consolidation/) - [Inheritance tax planning](https://pensionsadviceuk.com/inheritance-tax-planning/) ### Help Straight answers to the things people ask us most. - [Questions](https://pensionsadviceuk.com/questions-about-pension-advice/) - [Guides](https://pensionsadviceuk.com/guides/) - [About us](https://pensionsadviceuk.com/about-us/) Lost pensions ## Two ways to find a lost pension What it costs depends on which you choose. **£31.1 billion**The estimated value of lost pension pots in the UK. Source: Pensions Policy Institute, 2024. Route 1 ### Through an FCA-authorised adviser - **Who it suits:** people who want advice on what to do with their pensions once they are found. - **Cost:** free to enquire. The adviser firm explains any fees before you proceed. - **Tracing:** the firm may trace your pensions as part of its advice service, typically where they total £75,000 or more. [Apply to trace my pensions](https://pensionsadviceuk.com/pension-tracing-application/) Route 2 ### Tracing only, with Pension Pie - **Who it suits:** people who simply want their old pensions found, whatever their size. - **Cost:** a paid service. Pension Pie currently charges £249 to trace up to five pensions. - **Advice:** none. Pension Pie tells you what you have and where it is held. [How tracing works and what it costs](https://pensionsadviceuk.com/why-pay-for-pension-tracing/) You can also trace pensions yourself, for free The government’s Pension Tracing Service gives you the contact details for a workplace or personal pension scheme. You then contact each scheme yourself. Find it at [gov.uk/find-pension-contact-details](https://www.gov.uk/find-pension-contact-details). How it works ## What happens after you enquire Nothing is passed on without your permission. 1. Tell us what you need Answer a few short questions online, or call us. It takes about two minutes. You 2. We check the details A member of our UK team calls to confirm what you’re looking for. Pensions Advice UK 3. We make the introduction With your permission, we pass your details to an FCA-authorised adviser who specialises in your situation. Pensions Advice UK 4. The adviser gets in touch They discuss your circumstances, explain their charges up front and give regulated advice. Your adviser Who we are ## We introduce you. We don’t advise. Pensions are too important for a sales pitch. Our job is to understand what you need, then put you in touch with a regulated adviser who can give you proper advice. - **We do**listen to what you need and check your details with you. - **We do**introduce you to an FCA-authorised firm that specialises in it. - **We don’t**give financial or tax advice, or tell you what to do with your pension. - **We don’t**manage money or hold your pension. Do you need advice? ## Questions people ask us If any of these sound familiar, an FCA-authorised adviser can help you answer them. - How much is my pension worth? - What are my options when I retire? - Should I combine my pensions? - Is an annuity still right for me? - Should I take all my money out? - What are the tax implications? - What happens to my pension when I die? - Is a flexible pension the answer? Tick any that sound like you. Ask a qualified adviser Reviews ## What customers have said Feedback published on pensionsadviceuk.com. Questions ## Common questions The things people most often ask before they enquire. [See all questions](https://pensionsadviceuk.com/questions-about-pension-advice/) ### Do you give pension advice? No. Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not FCA-authorised and we don’t give financial or tax advice. We act solely as an introducer: we pass your details, with your permission, to an FCA-authorised firm that does. ### Does it cost anything to enquire? There’s no charge for making an enquiry with us. Regulated advice does have a cost, and the adviser must explain their charges clearly before you agree to anything. ### How do I know the adviser is properly authorised? Every firm we introduce you to is authorised by the Financial Conduct Authority. You can check any firm yourself on the FCA Register at register.fca.org.uk. ### Can you find a pension I’ve lost? An adviser can help trace old pensions and look at them alongside the rest. You can also use the government’s free Pension Tracing Service to find a scheme’s contact details yourself. ### What will I need to have ready? Anything you have helps: old statements, the names of past employers and roughly when you worked there. Don’t worry if you have very little. That’s common. Guides ## Recent guides Advice & tax6 min read ### Pensions and inheritance tax: what changes in April 2027 Plan & retire8 min read ### How to take your pension: your options explained Advice & tax7 min read ### Final salary pensions: what to know before you transfer ## Want to talk it through? Start online, or call us. We call back within the hour between 9am and 5pm on weekdays, or the next working day. Start your enquiry[020 3778 0939](tel:+442037780939) ### Important information Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not authorised by the Financial Conduct Authority and we do not provide financial, investment, pension or tax advice. We act solely as an introducer. The information on this page is general information only. It is not a personal recommendation and should not be relied upon when making decisions about your pension. Whether any course of action is right for you depends on your individual circumstances. When you make an enquiry, we may introduce you to an FCA-authorised financial adviser. Any advice, recommendation or regulated service will be provided by that authorised firm, not by Pensions Advice UK. The authorised firm will explain its services and any fees to you directly before you decide to proceed. FCA-authorised firms may have their own criteria for accepting clients, over which we have no control. The value of pensions and investments can fall as well as rise, and you may get back less than you put in. Past performance is not a guide to future returns. Transferring or combining pensions is not right for everyone and may mean giving up valuable benefits or guarantees. Free and impartial guidance about your pension options is available from the government’s MoneyHelper service, and if you are aged 50 or over from Pension Wise, at moneyhelper.org.uk. [Call us](tel:+442037780939) Enquire --- Pensions Advice UK (a trading name of GAP-GNX Ltd) connects UK residents with FCA-authorised pension advisers and pension tracing services. It is not FCA-authorised and does not give financial or tax advice. It acts solely as an introducer to FCA-authorised firms, who provide any advice and explain any fees before you proceed. This is the text version of https://pensionsadviceuk.com/. More pages: https://pensionsadviceuk.com/llms.txt