About Us

Pensions UK was established over 25 years ago by Phillip Masters, Managing Director of the practice.

Always innovative, Phillip created the Wealth Improvement Programme™ in 2003 – an online fund management system which improves fund performance at a lower cost and with greater diversification of asset allocation.

Our Story

About What We Do & How We Got Here

At Pensions UK, we are able to hold funds and cash – it is your choice. This gives us an ethical trading stance and an advantage over many pension providers, as we do not have to keep money in funds, if cash is a better proposition.

We are not only about investing your pension money well. We can help with your ongoing investments, ISAs, Unit Trusts, Investment Trusts, Exchange Traded Funds, Stocks and Shares as well as any old PEPs. Our aim is to help you get the most from your hard-earned money by identifying your financial goals and providing you with the best solutions. As independent financial advisers, we have access to the whole of the financial market, so you can be assured we will find the right financial products for you.

Our Company Mission & Client Vision



To help you get the most from your hard-earned money by identifying your financial goals and providing you with the best solutions.


To enhance the value of our clients’ portfolios and making them grow above inflation without taking undue risk** and making them wealthier so that they are able to retire without worrying about their financial position.


We are on a journey to invest in more sustainable funds that would improve the world that we live in for our children, grandchildren and thereafter. As the world changes economically and politically, we are prepared to make changes for our clients’ portfolios and reduce the risk** and enhance the clients’ returns.


** The value of investments can fall as well as rise. You may not get back what you invest.

Disillusioned Investors

In this period of low inflation and low growth, we understand that people are worried that their portfolio of investments will not generate enough income to fund their retirement.

Use of Current Investments

Are you sitting on a collection of old pension policies that are languishing in dud or underperforming investment funds? Maybe you do not even know how they are performing?

Where to Invest?

You have the choice of a huge number of funds to choose from covering every type of investment but only a small percentage is worth considering. You want to invest in funds which have funds.

Want a consultation?

Feel Free to Get In Touch

Fill in the brief form below and let us know what you’re interested in and one of the team will get in touch.

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Pensions UK.

At Pensions UK, you will always get open, honest financial advice, a professional service and the highest level of customer care.


Get In Touch

+44 (0) 20 8369 5100
+44 (0) 7735 896938

Monday – Thursday (except Public Holidays):
Office Closed Friday

Pensions UK
2nd Floor, The Brentano Suite
Prospect House
2 Athenaeum Road
London, N20 9AE

PensionsUK is the trading name of Phillip Masters Independent Financial Advisers Limited. Authorised and Regulated by the Financial Conduct Authority. No. 466062. Registered in England. No. 6086917.

The value of investments and the income derived from them can fall as well as rise. You may not get back what you invest. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.