Investment and financial choices made, before, at, and after retirement, can make a huge difference in determining whether a pension scheme succeeds in providing members with an adequate level of income in retirement.

Investment strategy

We can work with trustees to agree an investment strategy aimed at meeting the needs of members and where appropriate, define a default strategy. We can also work with the trustee/pensions advisory committee to ensure that the range of fund choices available and the risks associated with each are clearly communicated to members.

Options at retirements

We produce a personal and comprehensive guide for members approximately six months before their target retirement date to illustrate the impact of the various options available. If they choose to buy an annuity, we ask the member to provide a range of personal information and for them to express a preference regarding the type of annuity that they would prefer. The information provided enables us to review the annuity market and to recommend an annuity that reflects their health, financial security and annuity preferences.

Where the member selects the adapt option, the member receives an updated guide every year to enable them to continue to make informed decisions based on their circumstances and financial conditions at that time.

The adapt option incorporates an investment strategy that is designed to provide good levels of ongoing investment return whilst providing some level of protection against adverse market conditions.

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Other areas of expertise:

• adapt
• Communication
• DC scheme administration
• Investment for DC schemes