What you get with Thrive (and how Smart Pension fits in)

What you get with Thrive, and how Smart Pension fits in

When you join Thrive, you get more than just a pension.

You get one place to see the bigger picture. And real support when you need it.

Here’s what’s included in your membership, how it helps, and where Smart Pension fits in.

Everything in one place

Your Thrive membership gives you:

• One simple app for your pension, benefits and financial support.
• A clear view of your pension, including contributions, balance and how it’s growing.
• Financial coaches you can speak to when you’ve got questions or feel stuck.
• Tools, tips and short lessons to help you build confidence with money.
• Helpful features that make managing your finances feel doable, not overwhelming.

It’s designed to give you clarity. So you can make decisions with confidence.

So, who’s Smart Pension?

Smart Pension is the provider behind your workplace pension.

They hold and manage the money you and your employer pay in. They also take care of important admin, like:

• Managing your investments.
• Processing contributions.
• Handling retirement claims and transfers.
• Keeping your pension compliant with regulations.

In short, they look after the pension itself.

Thrive is the app that brings everything together in a way that’s easier to understand and use day to day.

Why isn’t everything inside the Thrive app?

It’s a fair question.

Your pension is a regulated financial product. That means certain actions, like changing investments or starting a retirement claim, need to sit directly with the pension provider.

Smart Pension holds the pension assets and is responsible for key regulatory processes. So some changes have to be made in their system.

We’ve partnered with Smart Pension to make this feel seamless. You can move between Thrive and Smart without extra logins directly from your Thrive app.

You get Smart’s pension expertise, with Thrive’s clear support and coaching around it. Two strengths, working together.

Who do I contact if I need help?

Start with Thrive.

If your question is about:

• Understanding your pension.
• Deciding how much to contribute.
• Making sense of investments.
• Planning for retirement.

You can use the app or book time with a Thrive financial coach.

If it’s about something specific to the pension itself, like:

• Updating investments.
• Starting a claim.
• Technical account queries.

We’ll point you to Smart Pension, or loop them in where needed.

You won’t need to figure it out alone. We’ll help you get to the right place.

The bottom line

Smart Pension looks after your pension.

Thrive helps you understand it, manage it, and feel confident about it.

One pension provider. One joined up experience.