Antonia Balaam
Fleur Innazzo
Kirsty Moffat
Will Sandbrook
Kate Smith
Sarah Steel
Richard Turner
Antonia is a qualified Actuary with 28 years pensions experience. Her background is in consultancy, working initially as an Actuary to large defined benefit schemes at Aon and Willis Towers Watson, before switching to focus on DC schemes 13 years ago.
As part of the senior leadership team at Aegon, Antonia is responsible for the DC clients and relationship teams across Aegon’s workplace business, as well as personally managing a select portfolio of Aegon’s largest clients.
More recently Antonia was appointed as Head of Master Trust, bringing together Aegon, the Master Trust trustees and employers in delivering the innovation and collaboration needed to drive excellent member outcomes.
Closing pensions gaps and inequalities through smarter policies and inclusive design Thursday @ 10:10 AM
Closing pensions gaps and inequalities through smarter policies and inclusive design Thursday @ 2:15 PM
Hannah is head of DC Corporate Consulting services. She has extensive experience defined contribution pension schemes and is responsible for the management and advising on the strategic direction of numerous high profile corporate clients. In particular, Hannah specialises in DC pension scheme design, change and implementation.
Hannah joined Hymans Robertson in September 2013, qualified as an actuary in 2018. This has enabled her to consider joined up DB and DC pension strategies.
Closing the pension adequacy gap through smarter strategy and support Thursday @ 10:10 AM
Closing the pension adequacy gap through smarter strategy and support Thursday @ 2:15 PM
Maisie has been working with corporate clients at HL since 2020, spending 12 months in the Client Support team before moving to specialise in pensions in 2021. For the last two years, Maisie has been delivering financial education sessions to the full breadth of HL Workplace members. Maisie is passionate about engaging younger employees with their personal finances, specifically addressing the challenges of saving for their first property and helping develop their confidence with money management decisions.
Rethinking pensions and workplace savings for tomorrow’s workforce Thursday @ 10:10 AM
Rethinking pensions and workplace savings for tomorrow’s workforce Thursday @ 2:15 PM
Embedding financial wellbeing within pension provision for a more flexible future Thursday @ 10:10 AM
Embedding financial wellbeing within pension provision for a more flexible future Thursday @ 2:15 PM
David is Cushon’s Master Trust Lead and has worked in the DC pensions market for over 25 years. During that time, he has worked on both “sides of the fence” at Consultants and Insurers and has built up a really good understanding of what both companies and members look for and value when it comes to pension provision.
Have your cake and eat it: Improving pension outcomes without adding employer cost Thursday @ 10:10 AM
Have your cake and eat it: Improving pension outcomes without adding employer cost Thursday @ 2:15 PM
Mark has many years of experience in financial services, including delivering service innovation and pension scheme member services for major FTSE companies.
He leads the team responsible for developing and implementing a range of financial education and guidance services for our existing clients and for companies and Trustee boards across the UK.
Mark also actively manages partnerships with major institutes for retirement savings professionals including the Pensions Management Institute and Pensions Policy Institute and leads the development of our at-retirement services for workplace pension schemes and pension scheme members.
Dealing with decumulation: challenges, opportunities and strategies for a new era of retirement Thursday @ 10:10 AM
Dealing with decumulation: challenges, opportunities and strategies for a new era of retirement Thursday @ 2:15 PM
Fleur Iannazzo has been in financial services for 15 years, working in Melbourne, Hong Kong and London. Most recently Fleur set up a financial coaching business, in which she provided one-to-one behaviour-focused financial coaching to high-net-worth individuals. She is an award-winning author, with her book ‘The Money Pizza’ winning Best Book UK at the Money Awareness and Inclusion Awards 2025.
Fleur holds a Masters in Coaching and Behavioural Change from the Henley Business School, is a CFA Charterholder and is accredited as a Professional Certified Coach with the International Coaching Federation.
Embedding financial wellbeing within pension provision for a more flexible future Thursday @ 10:10 AM
Embedding financial wellbeing within pension provision for a more flexible future Thursday @ 2:15 PM
Will Sandbrook is Managing Director of Nest Insight – the public benefit research and innovation centre focused on financial security for low and moderate income households. He has spent 20 years working in strategy, public policy, research and communications roles relating to personal finance and pensions, including working for the UK government on financial inclusion policy and the design and implementation of their landmark automatic enrolment programme.
He has worked at Nest since 2008 in a number of roles including leading the strategy, policy, research and data teams. In 2016 he oversaw the launch of Nest Insight, which he has led ever since.
In his role at Nest, Will has published papers on pensions policy, workplace emergency saving and financial wellbeing in the AARP International Journal, the International Journal of Pensions Management and with the World Bank, among others, as well as authoring and contributing to a number of Nest Insight reports. He has spoken on these topics at conferences and events in the UK, Europe, Asia and North America. Will is also a visiting fellow in the school of Psychology and Behavioural Science at the London School of Economics.
Spotlight 2: Creating flexible pensions strategies that support the need for both financial stability now and adequacy later Thursday @ 11:35 AM
Kate is Head of Head of Public Affairs at Aegon, with over 35 years of experience in the pensions industry. She’s been at Aegon since 2006, and previously worked at PWC, Mercers and Friends’ Provident. Kate is a Fellow of the Pensions Management Institute.
Kate’s focus is on the ever-changing pension environment and the evolving shape of the workplace pensions market. Kate led the Trustees’ submission for the authorisation of the Aegon Master Trust with the Pensions Regulator.
Kate’s mission is to seek to achieve good outcomes for savers, promote the value of saving and highlight the importance of regulated professional advice to help people achieve a lifetime of financial security Kate is a frequent commentator in the financial and consumer press.
She’s a founding member of the Pensions Equity Group (PEG) and co-chair of its policy workstream. She’s also a corporate trustee of a defined benefit pension scheme.
She’s twice winner of the Woman in Financial Advice awards (2018 and 2019). In 2021 Kate was recognised as a role model for Women in Banking & Finance (WIBF) for her work in highlighting the gender pension gap and was shortlisted for Professional Pensions Lifetime Achievement Award in 2022 and 2025.
Closing pensions gaps and inequalities through smarter policies and inclusive design Thursday @ 10:10 AM
Closing pensions gaps and inequalities through smarter policies and inclusive design Thursday @ 2:15 PM
Sarah Steel is a Fellow of the Pension Management Insitute and the Director of Corporate Relationships at NatWest Cushon. She plays a key role in building trusted relationships with corporate clients, employee benefit consultants, trustees, and internal stakeholders to deliver strategic growth and drive innovation in the pensions and financial wellbeing sectors.
Sarah is also a Director of Better with Money, the specialist financial wellbeing company, acquired by NatWest Cushon is 2022 and before that spent over 25 years in pension consultancy and strategic relationship roles at Aon, Hymans Robertson, Bluefin and Gissings (both now part of the Capita Group).
Have your cake and eat it: Improving pension outcomes without adding employer cost Thursday @ 10:10 AM
Have your cake and eat it: Improving pension outcomes without adding employer cost Thursday @ 2:15 PM
Rethinking pensions and workplace savings for tomorrow’s workforce Thursday @ 10:10 AM
Rethinking pensions and workplace savings for tomorrow’s workforce Thursday @ 2:15 PM
