PFS - Pen*ston Financial Services

PFS - Pen*ston Financial Services We offer lifetime financial advice for you and your family that you can trust.

Many people use the words “saving” and “investing” interchangeably, but they serve very different purposes.Saving is oft...
16/07/2026

Many people use the words “saving” and “investing” interchangeably, but they serve very different purposes.

Saving is often associated with:
• Short-term goals
• Emergency funds
• Easy access to money

Investing is typically linked to:
• Long-term growth
• Retirement planning
• Building wealth over time

Both can play an important role depending on financial goals and timeframes.


The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

PFS is a trade name of Pen*ston Financial Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 08/07/2026

Many people accumulate multiple workplace pensions throughout their career.Over time this can lead to:• Different provid...
13/07/2026

Many people accumulate multiple workplace pensions throughout their career.

Over time this can lead to:
• Different providers • Different investment approaches • Different fees and paperwork

Reviewing pension arrangements periodically can help people better understand their retirement position.


The value of investments and any income from them can fall as well as rise and you may not get back the amount you invested.
Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

PFS is a trade name of Pen*ston Financial Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 09/07/2026

July marks Independent Retailer Month, recognising the contribution independent businesses make to local communities acr...
11/07/2026

July marks Independent Retailer Month, recognising the contribution independent businesses make to local communities across the UK.

From high streets to market towns, independent retailers help create local jobs, provide personalised service and support the local economy.
If you have a favourite local business, why not show them some support this month?

Our consideration of the week.
09/07/2026

Our consideration of the week.

Investments are not static. Over time:• Markets fluctuate• Financial goals may change• Personal circumstances evolveRegu...
06/07/2026

Investments are not static. Over time:
• Markets fluctuate
• Financial goals may change
• Personal circumstances evolve
Regular reviews can help ensure that investments remain aligned with current objectives and risk tolerance.
Ongoing monitoring is an important part of maintaining a structured approach to investing.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

PFS is a trade name of Pen*ston Financial Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/06/2026

Today marks the 77th anniversary of the National Health Service, founded on 5 July 1948.The NHS continues to provide hea...
05/07/2026

Today marks the 77th anniversary of the National Health Service, founded on 5 July 1948.

The NHS continues to provide healthcare to millions of people across the UK every year, supported by dedicated doctors, nurses, paramedics, healthcare assistants, administrative teams and countless other professionals.

Today is an opportunity to recognise everyone who helps keep the NHS running.
Thank you for everything you do.

July is Talk To Us Month, organised by Samaritans to encourage open conversations about mental health and wellbeing.The ...
03/07/2026

July is Talk To Us Month, organised by Samaritans to encourage open conversations about mental health and wellbeing.

The idea of talking things through can apply to many aspects of life. Whether it's discussing your wellbeing, your career, or your finances, having conversations early can help people feel more informed and confident about the decisions they make.

Many important financial decisions begin with a conversation. Taking time to ask questions, understand your options and seek appropriate information early can help avoid uncertainty later on.

Strong relationships are built on trust, communication and listening. Whatever the topic, creating space for open and honest conversations can make a positive difference.
Sometimes, simply asking, "How are you?" or "Can we talk about it?" is the most important place to start.
If someone you know is struggling with their mental health, encourage them to seek support from friends, family or appropriate professional services.

29/06/2026

Starting your career is exciting but it’s also the perfect time to start building your financial future.

Every decision you make today shapes your tomorrow. From saving for your first home to planning for long-term goals, smart financial choices early on can make all the difference.

We are here to help you:
✅ Create a personalised financial plan
✅ Make the most of your income
✅ Put solid foundations in place early on

Contact us to start shaping your future today.



PFS is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 06/05/2026

A common financial planning consideration is how ISAs and pensions differ.Both serve different purposes:• Pensions are t...
29/06/2026

A common financial planning consideration is how ISAs and pensions differ.
Both serve different purposes:
• Pensions are typically designed for long-term retirement planning
• ISAs offer flexibility and access to funds
Understanding how these options complement each other can support a more balanced financial approach.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

PFS is a trade name of Pen*ston Financial Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/06/2026

Address

24 BIRCHWOOD VIEW
View
DN211WA

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+441427800658

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