If you work for the NHS, a UK school, the armed forces, or another public body, Sonuswealth is one plan at £5/month after a free 30-day trial, and a public-sector discount is planned for launch year, verified in one click with your work email. Your DB pension natively understood. Your full UK financial picture, every Budget.
Verified at signup using your work email. No paperwork, no proof letters, no manual review. If you can log into your work mailbox, you qualify.
Trusts, primary care, GP practices, dental, ambulance, mental-health, NHS BSA. Every band, every contract type.
State schools, FE colleges, universities, academies. TPS members and USS members both. Teaching assistants and support staff included.
Regular, reserve, and veterans within two years of leaving service. Army, Navy, RAF, Marines. AFPS 75, 05, 15 all natively modelled.
Civil service, local authorities, LGPS members, fire and rescue, police staff, public bodies. Anyone on a Whitehall or council payroll.
Public-sector workers consistently underestimate the value of their DB pension by a factor of 10 or more. Index-linked, guaranteed-for-life pensions are worth a fortune in DC equivalent terms. Sonuswealth's first job for an NHS / TPS / AFPS / LGPS member: show you the real number.
Niamh's NHS Band 7 pension at age 60 comes to £30,000 a year, index-linked for life — 36 years at the 2015 CARE 1/54 accrual on £45,000 average pensionable pay, which is exactly 36/54 of her pay. To hold the same income in a DC pot you would need about £522,394: the present value of £30,000 a year for 25 years, discounted at 3% above inflation. That is the same calculation the product runs on your own figures, so the number here and the number on your screen are the same number. It is an estimate, not a transfer value — a real CETV comes from your scheme and will differ. Sonuswealth does this maths for every NHS, TPS, AFPS and LGPS member from day one.
Unlike Defined Contribution (DC) schemes, public sector pensions grow through annual guaranteed slices. Each year's slice is locked in and revalued annually with inflation plus an active service premium until you retire.
Sonuswealth revealed Niamh's projected NHS DB pension at 60 is the equivalent of ~£522k DC — index-linked, guaranteed for life. She redirects SIPP money to her children's Junior ISAs. One plan at £5/month after the free trial, paid back many times over by the maths.
Tom thought his pension was a number on a confusing TPS letter. Sonuswealth translates it. With 20 more years of contributions, his retirement income at 60 hits £31k/yr index-linked - equivalent to a DC pot of nearly £880k. Frees up his SIPP for early-retirement bridge.
Resettlement guides are dense. Sonuswealth models Sam's AFPS deferred pension, EDP, and post-service career income together - flags the income-tax band implications of stacking AFPS income with civilian salary in his first three years out. He keeps the EDP lump sum in an ISA; redirects the rest.
NHS staff, teachers, the armed forces, public-sector workers - you've been asked to absorb 14 years of pay restraint, real-terms cuts, and post-2022 inflation that wiped out the last of the slack. The financial-services industry has had little to offer you. We thought we could do a small thing about it.
The planned discount isn't charity. We genuinely want public-sector workers using Sonuswealth - not just because of the discount but because your DB pensions are some of the most complex DB pensions in the world, and we built the engine to handle them. NHS, TPS, USS, LGPS, AFPS, Police and Civil Service - all natively modelled. Most consumer tools don't even try. Fire and rescue is not modelled yet - you can still use everything else, and we would rather say so than have you find out from a wrong number.
From a free 30-day trial, then one plan at £5 a month, Sonuswealth models your DB benefits so you can understand your numbers, keep your plans up to date, and have more productive conversations with your adviser. The exact public-sector discount will be announced when it ships.
Once the discount ships, it will stay for the rest of your current billing period if you leave the public sector. After that, you move onto standard pricing - but your data, your plan, your history all stay with you. No re-onboarding.
If you're a GP partner billing through an NHS contract and you receive an NHS Pension Scheme contribution, you qualify. If you've completely opted out, email us and we'll handle it case-by-case.
NHS Pension Scheme (1995, 2008, 2015 sections), Teachers' Pension Scheme (final-salary + 2015 career-average), Universities Superannuation Scheme (USS), Local Government Pension Scheme (LGPS), Armed Forces Pension Schemes (AFPS 75, 05, 15), Police 1987/2006/2015, Civil Service Alpha/Premium/Classic/Nuvos. The Firefighters' schemes (1992, 2006, 2015) are not modelled yet - they were listed here before they were built. If yours isn't listed, ask.
Yes - that's one of the first things Sonuswealth does for every DB member. We translate index-linked DB income into the DC pot you'd need to replicate it at a sustainable withdrawal rate. The number is often startling - see the worked examples above.
The exact discount hasn't been announced yet - it's planned for launch year. Once it ships, it will apply for as long as your work email verifies and you're a member. We may add new public-sector categories over time - never remove existing ones.
No. Sonuswealth is not FCA-authorised and we don't give regulated financial advice. We provide information and guidance — we model your pension, explain your tax position, project your retirement, and answer questions in plain English. We never recommend specific products or transactions. For a personal recommendation, speak to an FCA-authorised IFA. See Trust & Security for the long version.
No. Never. Even if your employer eventually offers Sonuswealth as a benefit (separate B2B product), the consumer subscription you've taken out is yours - your data is yours and your employer cannot see it.
Sonuswealth's full UK financial picture, with your DB pension natively modelled, for the cohort who's been doing the work no one else will.