What Pension Trail is, and who it is for

Pension Trail is an independent UK service for people who think they may have a workplace pension they have lost track of. It does two things. First, it helps you build a complete list of the employers you have worked for and the schemes those employers ran — including the ones that have since closed, been bought out, or moved to an insurer. Second, it writes the letters that actually get answers: a short, precise enquiry to each scheme administrator, and a request to HMRC for your full employment history when you cannot remember where you worked.

It is built for people between roughly 45 and 65 who are trying to work out what they have before they decide anything, and for people sorting out the affairs of a parent or partner. No account is needed, and your employer list, notes and letters are stored on your own device. Your case is only sent to us when you ask for a letter pack to be built.

Pension Trail is built and maintained by a small independent team in the United Kingdom. We are not a pension provider, an adviser, a consolidator or a lead-generation business. No pension provider, consolidator, adviser or introducer pays for placement here, and nothing on the site is sold onward. We do not make recommendations about transfers, or about what you should do with a pension. We give you the facts, the free routes, and the letters.

You can read more about what we will never do, or see where to do most of this for free.