Understand every pension you own.Plan. Secure.
Way2Pension is being built as an intelligence layer for UK retirement — bringing scattered pots, retirement gap modelling, fee transparency and safeguard alerts into a single, clear picture, with a regulated adviser handover when advice is needed.
- £31.1bn
- Unclaimed UK pension pots
- 4.8m
- Lost or forgotten pots
- 11+
- Jobs in an average career
Retirement Readiness
Illustrative concept view
Projected annual income
£18,400
62% of a £29,500 target — a £11,100 modelled gap
Aviva — Workplace
0.45% fee
£42,180
Legal & General — Auto-enrol
0.60% fee
£16,940
Possible lost pot (2011–2014)
Unmatched
Trace needed
Safeguard check: transfer request flagged for review before any action.
UK retirement planning is fragmented by design
Savers are asked to make lifetime decisions using scattered data, jargon and annual paper statements.
Pots scattered across jobs
A typical UK worker changes employer 11+ times, leaving pensions spread across providers with no single view.
£31.1bn sitting unclaimed
Around 4.8 million pots are lost or forgotten because addresses change and paperwork disappears.
No idea if you're on track
Statements show balances, not outcomes. Very few savers can answer what their retirement income will actually be.
Fees erode outcomes silently
Small percentage differences compound into tens of thousands of pounds over a working life.
Scams and poor transfers
Savers make irreversible decisions with no safeguard layer to flag unusual or high-risk activity.
Advice feels out of reach
Regulated advice is perceived as expensive or intimidating, so most people simply do nothing.
Built in the UK, for UK savers
Way2Pension is an early-stage UK fintech founded by Nirmit Pokhriyal. Our mission is simple: make retirement understandable. We are building an intelligence layer that consolidates pension data, models the retirement gap, exposes hidden fees and hands over to regulated advisers when real advice is required.
The platform is currently at TRL 4 — validated in a controlled environment — with pilot partnerships opening to employers, providers and advisers ahead of launch.
Founder
Nirmit Pokhriyal
Status
TRL 4 — prototype
Focus
United Kingdom
WAY2PENSION
PLAN | SECURE
Clarity first
Plain-English pension insight instead of jargon and paperwork.
Safeguard by design
Alerts for unusual transfers and high-risk activity.
Advice when it matters
A clean handover to FCA-regulated advisers, never unlicensed advice.
Pension intelligence, not another calculator
Six capability areas planned for the Way2Pension MVP, built to turn scattered pension data into decisions.
Pension discovery & tracing
Guided tracing designed to help savers locate historic and forgotten workplace pots, with a structured record of every provider found.
Retirement gap modelling
Model projected income against target lifestyle, with contribution, retirement-age and inflation scenarios shown side by side.
Fee & performance transparency
Compare charges and long-run drag across pots so savers can see the lifetime cost of small percentage differences.
Safeguard & scam alerts
Rules-based checks intended to flag unusual transfers, high-risk destinations and pressure-driven decisions before they happen.
Regulated adviser handover
When a decision needs regulated advice, a clean structured handover pack moves the saver to an FCA-regulated adviser.
Privacy-first architecture
Designed around data minimisation, explicit consent and clear audit trails, aligned with UK GDPR expectations.
From scattered paperwork to a plan in seven steps
- STEP 01
Create a profile
Age, employment history, retirement goals and target lifestyle.
- STEP 02
Discover pensions
Guided tracing to surface current and historic workplace pots.
- STEP 03
Consolidate the view
Every pot, balance, provider and charge presented in one dashboard.
- STEP 04
Model the gap
Projected income vs target, with clear scenario levers.
- STEP 05
Optimise
Compare fees, contributions and retirement age against outcomes.
- STEP 06
Safeguard
Continuous checks flag risky transfers and unusual activity.
- STEP 07
Adviser handover
A structured pack passes to an FCA-regulated adviser when needed.
Savers
One clear view of every pot, a plain-English retirement gap, and safeguards before irreversible decisions.
Providers & employers
Higher member engagement, fewer lost members and better data quality across scheme populations.
Financial advisers
Pre-qualified, well-documented clients arriving with structured pension data instead of shoeboxes of paper.
Indicative pricing under validation
Pricing is part of the MVP validation programme. Figures below are indicative business-plan assumptions, not a live commercial offer.
Free
Understand where you stand.
£0forever
- Pension discovery basics
- Single consolidated view
- Simple gap indicator
Phase 2 features and final pricing TBD.
Plan
Model and improve your outcome.
£7.99per month
- Full gap modelling & scenarios
- Fee and performance comparison
- Safeguard alerts
- Progress tracking
Phase 2 features and final pricing TBD.
Secure
Full intelligence and adviser access.
£9.99per month
- Everything in Plan
- Advanced safeguard monitoring
- Regulated adviser handover pack
- Priority support
Phase 2 features and final pricing TBD.
B2B2C partnerships
Indicative £0.75–£1.50 per member per month for providers and employers embedding Way2Pension at scale.
Adviser referrals
Indicative 10–15% referral share on qualified handovers to FCA-regulated advice firms.
Market opportunity
£31.1bn unclaimed pension wealth and a mass-market engagement gap the UK pensions dashboard alone will not close.
Where Way2Pension is today
Way2Pension is in active development. Nothing on this site is a live financial service.
Concept & design
Product definition, design system and market research complete.
MVP validation
Pilot cohorts test discovery, gap modelling and safeguard workflows.
Partnership pilots
Employer and provider integrations trialled at member scale.
Adviser network
Structured handover to FCA-regulated advice firms at volume.
Questions people ask first
Help shape UK pension intelligence
Savers, employers, providers and advisers are invited to register interest in early Way2Pension pilots as the platform moves toward MVP validation.