
DB pension technology to guide you through your scheme's journey
Keeping track of a defined benefit pension scheme means balancing funding, investment, covenant and long-term objectives.
Illuminate brings everything together in one place, giving trustees and sponsors a clearer view of their scheme and helping them make confident decisions as circumstances change.
Developing an integrated DB strategy with Illuminate
Scheme funding
Develop a funding plan that integrates covenant strength and investment strategy
Endgame planning
Design an endgame journey plan suitable for your pension scheme and your employer
Member options
See how member options and liability management exercises can accelerate your journey
Investment strategy
Understand how much risk you are taking and optimise your strategy

Illuminate is outstanding and undoubtedly the best interactive funding and investment modelling tool I have seen. It allows trustees to understand and explore the complex relationships needed for effective and robust decision making.
DB analytics and tailored journey monitoring
Customisation
Customise your monitoring dashboard to your scheme’s circumstances
Endgame monitoring
Check whether you’re on-target to reach your planned objectives
Risk management
Monitor the funding, investment and covenant parts of your strategy
Alerts
Receive notifications and alerts to keep up to date with important events
Pensions technology that supports better decisions
Illuminate supports the advice we provide across funding, investment, endgame planning and liability management.
By bringing everything together in one place, it gives trustees and sponsors a clearer view of their pension scheme, helping them understand how different decisions could affect their long-term strategy.
Because every scheme is different, Illuminate supports advice that's tailored to your objectives, funding position and level of risk, giving you practical insights rather than a one-size-fits-all approach.
Where is your pension scheme heading?
Tailored precisely to your pension scheme, Illuminate helps you to see things more clearly – using real time data to give you an instant overview of your scheme and the key risks.
Using Illuminate we can help trustees and sponsors make informed decisions on their pension scheme strategy. Applying our DB endgame planning framework, our experts can help you analyse all of the risks facing your pension scheme, and implement effective funding and investment strategies designed to help you reach your endgame. Illuminate can then be used to track your progress over time and refine your strategy, as necessary.
For schemes spanning the UK and overseas
As a pension, finance or risk professional with responsibility for defined benefit pension arrangements, keeping a handle on the overall funding level can be a chore.
Many of your advisers will provide you with access to funding level tracking software for the plan they advise, but getting a real-time view across multiple plans or regions can be time consuming.
Our software, Illuminate – Global View, solves this challenge by providing a tracking single portal for all your defined benefit pension plans both in the UK and overseas.

Map the course of your DB pension scheme
A clear and simple decision-making framework is needed to ensure you identify the direction that’s right for you and keep you on a steadily moving course to achieve the desired outcome for your scheme.
Introducing DB Navigator – our holistic Actuarial, Investment and Administration approach that gives you the knowledge, structure and tools to optimise your strategy for tackling the journey towards your DB endgame.

A smarter, more responsive investment monitoring service
Move beyond reporting cycles to regular insights and informed decisions.
Powered by our Illuminate platform, Lighthouse provides dynamic DB investment monitoring that empowers trustees and institutional investors to make timely, informed decisions, with continuous oversight and actionable insights from your consulting team.

Let's connect
At Howden, we help create pension strategies tailored to your needs and member outcomes.
With experience, market scale and data-led insight at our core, we help ensure our retirement solutions are right for you.



