HUB Pension Consulting (a HUB Group company)

What HUB Pension Consulting (a HUB Group company) does

HUB Pension Consulting is a UK-regulated financial advisory firm specialising in defined benefit (final salary) pension transfer advice and corporate pension scheme de-risking projects. It operates as a trading name of HUB Financial Solutions Limited, itself part of HUB Group and ultimately owned by FTSE-listed Just Group plc. The firm serves three primary customer segments: (i) employers and pension scheme trustees seeking to reduce DB scheme liabilities through bulk transfer exercises ranging from 1 to 8,200 members, (ii) individual scheme members aged 55+ exploring transfer options on pots ranging from under £1,000 to £2.9 million, and (iii) financial advisers who refer clients unable to support specialist DB transfer advice in-house due to Professional Indemnity Insurance constraints or capability gaps.

The firm's service architecture is a three-tier model: a free Triage stage using Money Alive educational videos, a free Abridged Advice stage, and a paid Full Advice stage delivered by qualified Pension Transfer Specialists holding Level 4 diplomas and G60, AF3 or AF7 qualifications. Supporting tools include a Longevity Calculator, a Member Area self-service portal with countdown-to-retirement guides, and the Recite Me accessibility toolbar. Corporate offerings extend to guaranteed income for life (GIFL) solutions and later life lending advisory as part of integrated de-risking mandates.

Revenue is generated through transaction fees on full advice calculated as a percentage of pension transfer value, regardless of whether the transfer proceeds, supplemented by project-based fees for corporate de-risking work. Go-to-market combines enterprise field sales for trustees, a structured financial adviser introducer referral model, and direct-to-consumer telephone and email helpdesk channels (0800 and 0208 numbers). The firm operates from a Reigate, Surrey headquarters with a Northern Ireland office in Belfast, and is supported by the institutional scale of its Just Group plc parent, which manages almost £30 billion of pension savings across more than 700,000 customers.

Name

HUB Pension Consulting (a HUB Group company)

Legal name

HUB Financial Solutions Limited

Website

https://hubpensionconsulting.co.uk

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

HUB Pension Consulting is a UK-regulated advisory firm specialising in defined benefit pension transfers and corporate scheme de-risking, serving individual scheme members, employer/trustee clients, and financial adviser partners under FTSE-listed Just Group plc.

Ownership category

akta.pro rank

Product category

Pension Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Pension transfer advice
• Defined benefit de-risking
• Retirement financial planning
• Bulk scheme exercises
• Regulated financial advisory

Headquarters

HQ city

Reigate

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Full Pension Transfer Advice Fees: Charges clients a fee calculated as a percentage of the pension transfer value for full advice services, regardless of whether a transfer is recommended or undertaken. Triage and abridged advice stages are provided free of charge.
2. Corporate Scheme Advice Services: Provides bulk scheme exercises and defined benefit de-risking projects to employers and trustees, with fees based on project scope and member count.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

HUB Pension Consulting is a regulated UK financial advisory firm specialising in defined benefit (final salary) pension transfer advice. The firm provides a staged advice journey (Triage, Abridged Advice, Full Advice) for individual scheme members and delivers defined benefit de-risking projects (bulk scheme exercises) for employers, trustees, and financial advisers on a referral basis.

Product overview

HUB Pension Consulting operates as a pension specialist advisory firm offering a multi-tiered advice service for defined benefit pension transfers. The core offerings comprise Final Salary Pension Advice and a Financial Planning Service for retirement planning. These are supported by a structured advice journey including Triage (educational video-based guidance via Money Alive), Abridged Advice, and Full Advice services. Additional tools include a Longevity Calculator and a Member Area self-service portal. For corporate clients, the firm provides de-risking solutions for pension schemes, GIFL solutions, and later life lending advisory services. The product architecture follows a modular service model where clients progress through triage, abridged, and full advice stages, with the Money Alive partnership providing educational content and the Recite Me toolbar enhancing website accessibility.

Differentiator

Problem solved

Functional benefit

Products and services

• Final Salary Pension Advice

Quantifiable outcome

• Over 17,000 members advised on pension transfers
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Money AlivecoreStrategic or Co-development PartnerPartnership with Money Alive to provide educational video content for the triage service. Money Alive is independent and impartial, providing a suite of educational videos that are neither scheme nor member specific, allowing members to develop understanding of final salary schemes and alternatives before seeking regulated advice.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/hub-pension-consulting

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HUB Pension Consulting (a HUB Group company)