Horizon

Running on can unlock value for defined benefit (DB) schemes. It can also create meaningful opportunities to improve member outcomes. Horizon gives you the clarity, confidence and structure to decide whether it is right for you, and how to deliver it well.

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Endgame planning is shifting. This creates opportunities to rethink your scheme’s strategy, unlock surplus, support stronger member outcomes and align with sponsor goals. The challenge is navigating new ground with confidence. We help you assess whether running on is viable and guide you through a pragmatic, value‑driven approach to implementation.

Delivering excellence in endgames

We help you see the full picture. We cut through complexity. We support confident and collaborative decision making that aligns everyone on the right path. Ultimately, your members’ outcomes are what matter most.

Run-on isn’t right for every DB scheme – but where it is, navigating this path demands clarity, confidence, and expert support to shape a strategy that delivers. Horizon provides that clarity by helping you understand where and when purposeful run-on could add value.

What is Horizon?

Horizon is our way to help you see the full picture. Using a structured (and proven) approach to delivery through our Align, Define, Deliver (ADD) framework, you can turn strategy into action with confidence.

What does Horizon give you?

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Robust triage:

clarity, confidence and structure to decide whether run-on is right for you before delving into time-consuming and costly detailed analysis.

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Value focus:

insight into how the value of members’ and sponsors’ outcomes can change under different strategies and surplus sharing approaches. This gives you a practical way to discuss trade offs, risk and timing with stakeholders.

Efficient, practical execution:

deliver value confidently, maintain control and keep all stakeholders informed as the strategy evolves.

Our approach

Horizon uses our ADD framework to provide tailored, unbiased advice, to help assess whether run-on is the right fit and guide your scheme through a pragmatic, value-driven implementation.

Our approach is grounded in collaboration. We help trustees and sponsors work together from the outset. This builds trust, avoids wasted effort and cost, and ensures everyone is pulling in the same direction.

Our Value Horizon analysis will help you quickly understand whether the economics make sense, whether running on could bring value to members and sponsor – and over what time period. You’ll have an early view of how the value for members could be improved, how this varies for different groups of members and what the risks are.

Horizon will show you the impact on member and sponsor value of different investment choices, different surplus distribution approaches and different contingency plans. Each of these will have differing value impacts for different generations of members, so we’ll help you understand that too. You’ll have an approach that’s right for your circumstances and your members.

Whether you’re beginning to explore run on or reassessing your strategy in light of recent developments, Horizon gives you the clarity and confidence to move forward.

To find out more about how Horizon can help your scheme, read our flyer.

Talk to us

If you’d like to talk about how Horizon could support your scheme, please get in touch with one of our team.

Get in touch

Meet our team

Click below to find out more about our team, or click 'See full team' to see all of our endgame specialists.

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Laura McLaren

Partner and Head of DB Scheme Actuary Services

Alan Garbarino

Partner and Actuary

Lisa Deas

Senior Actuarial Consultant

Sachin Patel

Head of Corporate DB

Aimee Leese

Senior Actuarial Consultant

Lauren Branney

Actuarial Consultant

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Related insights

Webinar

Excellence in Endgames: a 360° view

On 27 January, our panel of experts will be hosting a live webinar exploring the evolving landscape of pension scheme endgame strategies from multiple stakeholder perspectives.

Publication

The member perspective: Member views on run-on and surplus sharing

In our latest publication, we take a deeper dive into their views about schemes running on and approaches to sharing surplus.

Publication

From vision to valuation: why your endgame sets the course

With more schemes now in surplus, the focus is shifting from plugging deficits to planning endgame strategies, all under a fresh funding regime that demands clear long-term objectives.