Pense is a financial services and retirement advice company focused on supplying pension guidance. Founded by Richard Morrall, the business was created after he noticed that people struggled to access good retirement advice. Pense combines financial advice and technology with the aim of simplifying retirement planning. Based in Doncaster, Pense works across pension providers, helping customers understand annuities, pension drawdown and retirement income options. The company’s mission is to “democratise regulated financial advice” and make pension support available regardless of pension size.