Making individual girl's pension complex area to access (13)

I believe the answer is:

personalising

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'making individual girl's pension complex area to access' is the definition.
I can't judge whether this defines the answer.

'girl's pension complex area to access' is the wordplay.
'complex' is an anagram indicator.
'area' becomes 'a' (maths abbreviation).
'to access' means one lot of letters goes inside another (inserted letters gain access to the word).
'girls'+'pension'='girlspension'
'girlspension' is an anagram of 'personlising'.
'personlising' enclosing 'a' is 'PERSONALISING'.

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I've seen this clue in The Telegraph.

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