Future of Pensions Summit 2024

Cushon helps employers best support employee financial wellbeing at their current life stage and for their future by providing a simple and convenient way to manage their workplace pensions and savings. Through our intuitive app members get high visibility and control of all their short-, medium- and long-term savings and our sustainable investment strategy helps members to save fairly.

Cushon offers a holistic product range with a Master Trust pension scheme alongside ISA, Lifetime ISA, Junior ISA and General Investment Accounts. With a solution that fully integrates with payroll and benefit platforms, Cushon's products are delivered via employers to reach as many savers as possible.

In a big move, NatWest Group acquired a majority stake in Cushon in June 2023. Becoming part of one of the UK's largest and well-known banking groups gives us the reach and firepower to accelerate our plans for technology-led innovation to improve UK's financial wellbeing.

Howden Employee Benefits & Wellbeing is a leading employee benefits consultancy, advising across the spectrum of small to multinational employers, helping them maximise their investment in benefits and wellbeing, through consultancy, broking, technology and communications services. We have won many industry awards for our work and are widely recognised for our innovative and creative people-first approach to benefits design.

In the pensions arena, we believe in the value of independent, expert advice both for the employer and the employee, in helping drive better retirement outcomes through deeper insights and better financial wellbeing and pensions education.

Hymans Robertson has over 100 years of experience delivering pension and financial wellbeing services, partnering with the UK’s most prestigious organisations. We’re passionate about delivering improved outcomes for your employees – starting today. Our clients, who span all major sectors and industries, benefit from:

• Our breadth of services and experience – we have deep expertise of pension management, investment, and employee engagement.
• Our innovation to deliver better member outcomes – illustrated by our Guided Outcomes® (GO™) framework, which guides DC pension schemes and members towards a comfortable retirement.
• Our ownership structure – as in independent partnership owned by the partners working in the firm, we have the autonomy to invest and take decisions that benefit the long-term success of our clients and the firm.

Legal & General Investment Management (LGIM) is one of Europe’s largest asset managers, offering investment solutions to a broad range of clients globally.

Scottish Widows enjoys a proud history of helping people plan for their financial futures for over 200 years. Today, as one of the most recognised and trusted brands in its sector*, they have over 6 million customers and offer a wide product range as well as workplace pensions, including annuities, mortgages, savings and investments, life insurance and critical illness cover.

Since 1986, the brand has become synonymous with its iconic ‘living logo’, the Scottish Widow, who has featured in advertising and communications. ‘Taking on the Future Together’ is their current message and this commitment underpins everything the company does – from delivering expertise, guidance and insight, to providing products to help people plan for their futures.

Scottish Widows provides customers with the tools and information they need to make informed decisions. This is a result of their longstanding research program that focuses on UK financial planning attitudes, their involvement in the industry wide Pension Engagement Season initiative and their Expert Sessions films and scheme member webinars, where their experts answer common pension questions.

The organisation has a focus on sustainability and have launched a number of publications about their approach. This includes their Responsible Investment Framework and Stewardship Policy and their Climate Action Plan, which includes a key target of decarbonising all investments by 2050.

For more information, visit www.scottishwidows.co.uk/employer

* Spontaneous Awareness rank: 2, Trust (Character) rank: 3, Trust (Competence): 3. IPSOS, December 2023.