As the retirement landscape continues to evolve, we help clients centre the wants and needs of defined contribution savers looking for a sustainable retirement income.
Contact the teamScheme members no longer just have one choice to make when they retire – instead, they have to make a series of decisions throughout retirement based on how they want to use their pension savings.
However, many defined contribution (DC) savers don’t really understand their retirement needs. They lack confidence when it comes to navigating the market and making good choices. This, coupled with the fact that a high proportion of DC savers are currently under-saving, means there’s an increasing risk of pensioner poverty and retirement regret.  
We are helping clients tackle this by working with them to introduce a range of support services and decumulation solutions, making it easier for them and their members to access the pension freedoms and improve their outcomes in retirement.
We kick start this conversation by working with employers and trustees answer some searching questions:
There are a broad range of solutions, ranging from partnering with a post-retirement master trust or another specialist third party provider, to delivering a member support and engagement strategy, and/or design decumulation solutions.
We also work directly with the pension providers to help them deliver better solutions for their members, whether that be through effective to and through retirement strategies, consideration of the benefits of CDC and longevity pooling, or the incorporation of longevity data from Club Vita in their retirement propositions.
As a leading independent adviser, we give employers and trustees strategic advice to help support their DC scheme members and help them build better, more sustainable, futures. 
Our team has helped build better futures for over 10million UK pension scheme members.
Helping pensioners
Our research shows that 75% of DC savers aged 55 or over would find it helpful for their savings to automatically start paying them an income when they reached the point of retirement. Our research also shows members aren't sure hwo to use their pension.
Member confidence
According to our research, 41% of people aged 40-60 are not confident they’ll achieve their retirement plans.
This paper looks at the design considerations that might shape a member centric default decumulation solution, something that can be a safety net for any member that does not actively engage with their retirement choices.
Opens in new window View researchIn this episode of PITstop, Rona Train is joined by Samantha Pitt to discuss DC decumulation.
Partner and Head of At-Retirement Services
Head of DC Markets
Head of Workplace Distribution, Personal Wealth
Partner and Head of DC Trustee Consulting
DC Platform Solutions Specialist
Partner, Head of DC Investment
Many DC savers have little or no knowledge of their own retirement needs. They often lack the confidence to navigate the market or to know they are making good choices.