Illuminate®

Greater clarity and focus for your DB pension scheme

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

Financial presentation in board room with staff watching around the table
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.
Financial presentation in board room with staff watching around the table
Robin Diamonte, Chief Investment Officer, Advisory Committee Member, UTC, The Pension Benefit Guaranty Corporation

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.  

Book a demo

Our team are ready to show you how it works.

Hiker walking down steps through valley and mountain landscape

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.

Coastal path leading to lighthouse

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.

Three friends drinking coffee and smiling

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.