Lost track of an old pension? You are far from alone, and we can help you find it.
Start with our Lost Pension Finder workbook. In plain English, it walks you through tracking down the old workplace pensions you have lost sight of and getting everything in one place, so Stephen and his team can do the legwork of finding and organising them for you.
Download Your PDF Workbook The workbook is yours to keep. No obligation, and no pressure to go further.
You have had a few jobs. A pension was probably left behind with each one.
"I have got pensions all over the place and I do not really know what I have got."
That is what most people tell us, and it makes sense. Most of us change jobs several times, and a workplace pension often gets left behind with each move. Years later there is a nagging sense of something out there, but no real idea how much, where, or what to do about it. Old pots end up scattered across different providers, and if you have run your own company too, the picture gets harder still to see.
It is one of the most common money worries in the country. It is also one of the most fixable, especially with a hand to do the legwork. The money is very likely still there. You just need someone to help you find it and tell you, in plain English, what it means for you.
What the workbook does for you
- Find your old pensions. The workbook walks you through tracking down the personal and workplace pensions you have lost sight of, in plain English and at your own pace.
- Turn up prepared. You gather everything in one place, so when you speak with Stephen nothing gets missed and the whole process is quicker for you.
- Then Stephen's team does the legwork. Once you are ready, they contact each provider, chase the details and organise it all for you.
- An optional, no-obligation conversation. When the picture is clear, talk it through with Stephen if you would like. No pressure to change anything.
Prefer not to wrestle with the paperwork? Let us carry it.
Once you have the workbook and Stephen is in touch, you do not have to wrestle with the forms or the phone calls. His team does that part for you. Here is how simple the rest is.
Tell us where you worked
List your former employers. If you are not sure who the pension was with, that is fine. We will trace it for you using the Government's Pension Tracing Service plus other specialist adviser techniques.
Sign a simple Letter of Authority
A Letter of Authority is a short form that lets us ask each provider for information on your behalf. It requests information only. It is not advice, and it is never an instruction to move or transfer anything.
We do the chasing, you get the picture
Our team contacts each provider, gathers the details, and records the values as they come back. You get a clear summary of what you have, with no obligation to do anything next.
Lost pensions are a national problem. Yours does not have to be.
National figures: Pensions Policy Institute, 2024 (approximately £31.1 billion across 3.3 million pots). The range shown reflects what Stephen has typically traced for clients matching this profile, from around £9,000 to £100,000. It is not a prediction of what you will personally find; individual results vary and depend on your own pension history. All figures shown must be accurate, current and approved by St. James's Place before publishing.
Four decades of doing this properly
Stephen Pitcher is a Senior Partner at St. James's Place Wealth Management, one of the UK's largest and most established wealth management firms. He holds an MSc in Finance, an honours degree, and the professional qualifications required to give regulated advice.
He is also the host of the YouTube channel Retirement Ready with Stephen Pitcher, where he answers the real questions people have about pensions and retirement.
Perhaps the most telling proof is this: most of Stephen's new clients come to him through referrals from the people his existing clients care about. People do not refer their friends and family to an adviser they do not trust. For clients who match the profile on this page, Stephen has typically traced between £9,000 and £100,000 in forgotten pensions.
On Anne Dawson's channel
Stephen was recently invited onto the channel of Anne Dawson, QVC's longest-serving presenter, to talk through exactly how people track down and organise the pensions they have lost sight of. It is the same plain-English approach he brings to every conversation.
Figures describe Stephen's own track record and typical experience with clients matching this profile. Individual results vary and depend entirely on your own pension history. This is not a prediction of what you personally will find, and the value of investments can fall as well as rise.
In their own words
A few of the people Stephen has helped, telling it in their own words.
Who this is really for
This is for you if
- You are roughly 45 to 65, and retirement has gone from a someday idea to something you actually think about.
- You have changed jobs over the years, or run your own company, and you have lost track of one or more old pensions.
- You are a business owner or company director who has been so busy building the business that your own pension planning slipped down the list.
- You want straight answers in plain English, not a sales pitch and not a 200-page report you will never read.
This is not for you if
- You are in your twenties or thirties with a single pension you can already see in an app. You probably do not need this yet.
- You have only ever had one job and you know exactly where your pension is and what it is worth.
- You want an online tool that spits out a number and leaves you to work out the rest. This is a personal, advice-led service, which means real time with a real adviser.
If you are in the first group, downloading the workbook is the easiest worthwhile thing you will do this year.
Get the Lost Pension Workbook/Guide
Pop in your details below and we will send you the workbook, and Stephen will be in touch to help you find and organise your old pensions. It is a no-obligation service and we will never pass your details on.
No obligation · Your details are used only to find your pensions · We never pass them on · You can stop at any time
We will explain the Letter of Authority step before anything is sent to a provider. A Letter of Authority requests information only. It is not advice and not a transfer instruction.
The things people usually ask
Is there any obligation to go further?
How are you paid, and what will this cost me?
Will you pressure me to move my money?
I have pensions in a few different places. Should I bring them together?
I have a final salary (defined benefit) pension. Should I move it?
Can I trust you with my pension details?
With all the pension scams in the news, how do I know you are legitimate?
What is a Letter of Authority, and is it safe?
What if I do not have much, or I am not on track?
Do I have to come to an office in Essex?
I have been meaning to do this for years. Is it too late?
Stop wondering. Start knowing.
Your old pensions are very likely still out there. Download your Lost Pension Finder workbook today and take the first easy step. Stephen's team will then do the legwork: tracing each scheme, contacting the providers, and bringing it all together. No jargon, no pressure, and no obligation to do anything next.