Future of Pensions Summit 2024

Aon plc (NYSE:AON) is a leading global professional services firm providing a broad range of risk, retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients by using proprietary data and analytics to deliver insights that reduce volatility and improve performance.

Howden Employee Benefits 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.

Powered by bright and passionate people, we help clients navigate complexity to make the decisions that matter. With market-leading capabilities across pensions and financial services, energy, health and analytics, we create and uncover new possibilities to help shape a more positive future. 

Legal & General Investment Management (LGIM) is one of Europe’s largest asset managers, offering investment solutions to a broad range of clients globally. Established in June 2024, L&G’s asset management division combines deep expertise in asset management and origination with global distribution capabilities to deliver positive outcomes for our clients, which include individual savers, pension scheme members and global institutions, investing alongside L&G’s own balance sheet. As a global investor, we are present where our clients need us – from Hong Kong and Singapore, to major European financial hubs, to Chicago – operating under the Legal & General and LGIM brands. We provide investment solutions across the full spectrum of asset classes, ranging from index-tracking and active funds to liquidity and liability-based risk management strategies. Through our private markets platform, we utilise our rich heritage and extensive network of partners to offer access to a wide range of purposeful alternative investment opportunities, including specialist real estate, clean energy, infrastructure, venture capital, unlisted equities and private credit. Our division is underpinned by our enduring commitment to responsible investment, dedicated to creating long-term, sustainable value for our clients and partners.

NatWest 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.

NatWest 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, NatWest 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.

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.

SEI: Technology and Investment Solutions are 5,000 employee entrepreneurs working with their clients and communities to solve problems that matter. SEI is on a mission to build brave futures℠ through the power of connection.

Vidett is the UK’s largest professional trustee and pension governance firm by number of clients. With unrivalled knowledge and expertise, we currently help our clients look after well over 475 pension schemes covering over 2,500,000 members. Our extensive experience of pensions management and scheme governance means we can help employers identify all their pension governance requirements and suggest practical measures to meet them efficiently. We create a framework for monitoring and managing governance to make sure pension committees or trustee boards are focused and effective, that committee members are well trained and that, together, they have the skills and knowledge needed to properly manage valued pension schemes for the benefit of employees, members and the employer.

WEALTH at work is a leading financial wellbeing and retirement specialist - helping employees and pension scheme members to improve their financial future.

This is achieved by providing support in the workplace on a range of financial matters from financial wellbeing issues such as debt and money management through to pensions and preparing for retirement.

Established in 2005, we provide financial education and one to one guidance on a bespoke basis which can be delivered globally. As part of the Wealth at Work group, we deliver these services for hundreds of organisations, reaching millions of the workforce.

Employee engagement is driven by designing campaigns to create awareness of upcoming programmes and then digital nudge technology is used to encourage participation to maximise take-up.

For those wishing to understand their personal financial situation, support is provided through our helpline. At this point, we can offer access to investment advice which provides specific recommendations on, for example, retirement planning and can adapt in line with changing needs.