From State Pension claims to private fund consolidation, our specialist advisers help individuals, expats and businesses across the UK build a retirement they can rely on.
About Pauras
Based at Empress Business Centre in Manchester, Pauras has been helping individuals, families and businesses navigate the complexities of the UK pension system since 2009. Our team of regulated specialists combines deep technical knowledge with plain-English communication.
Whether you are approaching retirement, recently arrived in the UK, or planning for the long term, we provide tailored, independent guidance that puts your financial future first.
What We Do
From initial consultation to long-term management, our six specialist services cover every dimension of UK pension planning.
A comprehensive review of your current pension position, projected income, and the strategic steps required to maximise your retirement outcome.
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We manage the entire State Pension claim process, from NI record review and gap-filling to submission and follow-up with the DWP.
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Expert guidance on selecting, establishing and managing private pensions and SIPPs tailored to your income, risk profile and retirement goals.
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We trace, assess and consolidate multiple pension pots, reducing charges and simplifying your retirement planning into one clear strategy.
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Specialist pension planning for UK nationals abroad and foreign nationals in the UK, including QROPS, overseas payment arrangements and tax treaties.
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Structured pension withdrawal strategies, PAYE code management, and inheritance tax planning to minimise tax on your retirement income.
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There are many pension services in the UK. Here is why thousands of clients trust Pauras with their most important financial decisions.
How We Work
From first contact to ongoing management, every client follows a clear, transparent process designed to deliver the best possible outcome.
We review your current pension position, employment history, and retirement goals — at no cost and with no obligation.
Our specialists produce a detailed analysis of your entitlements, options, and recommended strategy, clearly explained in plain English.
We handle all applications, transfers, and regulatory submissions. You provide the information — we do the work.
Pension legislation evolves. We provide annual reviews and proactive updates to ensure your strategy remains optimal as rules and your circumstances change.
Client Stories
Real experiences from real clients who trusted Pauras with their pension planning.
"Pauras recovered £4,200 per year that I was missing from my State Pension. I had no idea I could top up my NI record. The process was completely handled by their team — I just signed the forms."
"As a Romanian national who worked in the UK for nine years, I was unsure whether I had any pension entitlement. Pauras calculated my full State Pension entitlement and set up a SIPP for my private savings. Outstanding service."
"We had seven pension pots between us from previous jobs. Pauras consolidated them into two well-managed accounts, saving us over £1,800 in annual charges. We should have done this years ago."
"The team explained the pension annual allowance taper in a way I finally understood, and restructured my contributions to avoid a £12,000 tax charge. The fee paid for itself many times over."
"I am retiring to Spain next year and had complex questions about State Pension uprating and Spanish tax treaties. Pauras provided exactly the clarity I needed. I now have a complete retirement income plan."
"As self-employed, I had always put off dealing with my pension. One conversation with Pauras changed that. They set up my SIPP and made the whole thing straightforward. I wish I had called sooner."
Consult Our Latest
Expert articles on UK pension legislation, planning strategies, and regulatory changes — updated throughout 2026.
Pension Basics
A comprehensive guide to the three-pillar structure of the British pension system — State, workplace, and pr...
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State Pension
The UK State Pension pays up to £221.20 per week — for life, inflation-protected, from any country in the w...
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State Pension
The answer involves NI qualifying years — not simply employment years. This distinction can mean thousands o...
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Pension Management
£26.6 billion in UK pension savings sits in forgotten or unmonitored pots. Whether State Pension forecast, wo...
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Private Pensions
The State Pension provides £11,502 per year. A moderate retirement needs £31,300. The £19,800 gap must come...
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Workplace Pensions
Auto enrolment has enrolled over 22 million UK workers in workplace pensions. Understanding your entitlements,...
Read MoreSpeak with a qualified pension specialist today. Our initial consultation is completely free of charge and without obligation.
Common Questions
Answers to the questions we hear most often from clients across the UK.
Our team brings together technical depth and practical experience across every area of UK pension planning, legislation and regulation.
Regulated & Accredited
Pauras operates in full compliance with FCA regulations and adheres to the highest professional standards in pension advisory.
Authorised and regulated by the Financial Conduct Authority. Your advice is protected.
Our advisers hold Chartered Institute for Securities & Investment qualifications.
Your personal and financial data is handled with full compliance with UK GDPR legislation.