DC Pension​​s & Financial Wellbeing

Our governance framework helps ensure your pension provider is not just meeting your goals, but exceeding them. We keep a close eye on contribution levels, provider competitiveness and more. We’re not about ticking boxes; we’re focused on making sure your DC pension is the best it can be.

With our analytics, we provide transparent dashboards, benchmarking and year-on-year trends so you can track value for money, investment performance and member outcomes with confidence.

We’re not afraid to ask the difficult questions. Is your provider performing well? Is your plan truly competitive and meeting your employees’ needs? We keep you ahead of the curve.

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Choosing the right DC pension provider is key. When it is time to reassess, whether it has been a while since your last review, the market has shifted or service quality has dipped, we’re here to help you consider your options.

We take an independent, data and insight led approach to finding the right provider for your business. We will get to know your goals and timelines, dive deep into the market and lead you through every step of the selection process. We apply transparent scoring and benchmarking, so decisions are evidence based and auditable. We make it simple, supporting a smooth transition and ongoing success. 

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We know that empowering your employees to engage with their DC plans is key to their financial success. Whether they’re just starting out or nearing retirement, we offer everything from educational workshops to one-to-one guidance, so they have support at every step.

We understand pensions can feel complicated, but they don’t have to. Our goal is to turn pensions from a chore into a source of confidence. Through clear communications, we help employees take charge of their financial future. Whatever stage they’re at, they feel supported, informed and motivated to act. 

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Financial wellbeing is about more than saving for retirement. It is about making sure your employees feel secure and in control of their money today, as well as preparing for tomorrow.

Our financial wellbeing service can help your employees manage their daily expenses, plan for the unexpected and take charge of their financial future with confidence.

We will work with you to create personalised solutions that meet your workforce’s needs, offering everything from budgeting advice to investment planning. We can provide support with:

• Savings
• Debt management
• Mortgages and financial planning

By integrating financial wellbeing into your pensions and benefits strategy, we create joined-up solutions that improve engagement and long-term outcomes for your people and your business. 

Setting up a DC pension scheme for the first time can feel overwhelming. With our expert guidance, you can navigate the entire process with confidence. We help you design a pension plan that fits your business, select the right provider and ensure compliance with all regulations.

Whatever your company’s size, we tailor the solution to meet your needs. With ongoing support and updates, we help you establish a DC pension scheme that works for both your business and your employees, supporting their financial future. From design to delivery, our independent, outcomes focused approach helps keep your scheme on track.

A well-structured DC investment approach should balance sophistication with simplicity, giving members a clear path to follow and adapting as their needs change over time.

We help employers make the most of the investment tools available, combining independence, market access and insight led solutions to support the outcomes members are working towards.

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Led by our experienced DC pension consultants and supported by detailed data analysis, our scheme audits are tailored to your needs, from high level strategic checks to in depth reviews of specific areas of concern.

Common DC audit focus areas include pensionable pay definitions, taxation of employee contributions, salary exchange arrangements, employer contributions during parental leave, and automatic enrolment (and re-enrolment) compliance. 

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Employers can offer a pension salary sacrifice, also known as salary exchange, to help their people save more efficiently. It reduces National Insurance costs for both the business and its employees, and removes the need for higher-rate taxpayers to claim extra tax relief.

We can help you understand salary sacrifice in practice, how recent changes to the cap will affect your long-term costs, and how to position this benefit so your people and organisation get the most out of it.

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Value for money (VFM) assessments are a regulatory requirement, but they’re also a powerful governance tool.  

Our approach helps turn a compliance task into clear, practical insight, giving trustees a regular view of scheme suitability and the actions needed to deliver better outcomes for members.

Trustees must report on their conclusions through the annual governance (chair’s) statement, in online disclosures and via the annual scheme return. We make this process clear, straightforward and easy to manage. 

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