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    About us

    With more than 1,750 people in ten offices, we work to deliver on our values and our promise, ensuring the highest levels of trust, integrity and quality.

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    About us - Spotlight

    Hold the front page: Glenn Thomas and Andrew Vaughan

    Corporate Adviser profiles BW and Howden’s role in reshaping employee benefits landscape.

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  • Expertise

    Expertise

    We are free from any external stakeholders, allowing us to take a long-term view with all our clients and giving us the freedom to bring fresh ideas to the table, unobstructed.

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    Risk technology

    • Risk Portal
    • Board evaluations (BoardClic)
    • Carbon emissions reporting (CARAT)
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    • Real-time decisions (Swarm AI)
    • Risk management software (Celestia Risk)
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    Risk - Spotlight

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    BW Risk Portal

    Access over 1,000 hours of risk management content, guidance and training, covering more than 20 risk management topics.

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    Pensions and benefits

    • Administration
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    Pensions and benefits tools

    Pensions and benefits technology

    • Benefits platform (4me)
    • DB technology (Illuminate)
    • DC technology (GEM)
    • LGPS guides (Enlighten)
    • LGPS technology (Online tools)
    • Pensions governance tool (BW CORE)
    • Pension self-service
    • Online trustee analytics (Insight)
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    Expertise - Spotlight

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    DB endgame planning

    We help trustees, employers and advisors buy into the same cohesive vision.

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    Technology for insurers

    Technology for insurers

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    • Capital modelling (validateR)
    • KIDs for PRIIPs
    • SCR calculator (SIIMPLIFY)
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    Insurance - Spotlight

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    Bulk annuity provider services

    We offer a comprehensive set of knowledge and services to the BPA provider market.

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    Investment

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    Investment - Spotlight

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    Our investment philosophy

    Discover how we build robust investment portfolios and how we help our clients to implement them.

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    Technology

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    Clarity from BW
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    Insurance sector

    • Insurance technology
    • Capital modelling (validateR)
    • KIDs for PRIIPs
    • SCR calculator (SIIMPLIFY)
    Insurance technology Capital modelling (validateR) KIDs for PRIIPs SCR calculator (SIIMPLIFY)
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    Pensions and benefits

    • Benefits platform (4me)
    • DB technology (Illuminate)
    • DC technology (GEM)
    • LGPS online tools
    • LGPS training hub (Enlighten)
    • Pensions governance tool (BW CORE)
    • Pension self-service
    • SIPPs Online
    • Trustee analytics dashboard (Insight)
    Benefits platform (4me) DB technology (Illuminate) DC technology (GEM) LGPS online tools LGPS training hub (Enlighten) Pensions governance tool (BW CORE) Pension self-service SIPPs Online Trustee analytics dashboard (Insight)
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    Risk management

    • Risk Portal
    • Board evaluations (BoardClic)
    • Carbon emissions reporting (CARAT)
    • Pay gap reporting
    • Real-time decisions (Swarm AI)
    • Risk management software (Celestia Risk)
    Risk Portal Board evaluations (BoardClic) Carbon emissions reporting (CARAT) Pay gap reporting Real-time decisions (Swarm AI) Risk management software (Celestia Risk)
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    Expertise - Spotlight

    Take control of risk with confidence

    Our simple, powerful and automated solution for managing risk effectively.

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    Expertise

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  • Insights

    Insights and events

    Access independent commentary, research and events at the forefront of risk, pensions, investment and insurance.

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    Expertise - Spotlight

    Redefining retirement: investing for to:morrow

    Evidence shows that retirement expectations and realities aren’t aligning across the UK - here's our solution.

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All insights

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  • Blog

    Targeted pensions support takes shape in FCA’s plans

    The FCA has unveiled plans to fund targeted pensions support as part of its 2025/26 strategy. Learn what this means for financial advisers and their clients.

  • Blog

    HMRC takes steps to fix pension tax overpayments

    HMRC will now update tax codes more quickly to reduce overpaid tax on DC pension withdrawals – but key issues remain unresolved.

  • Blog

    Implications of new inheritance tax and pensions proposals

    HMRC's new consultation on inheritance tax for pensions could impact unused pension funds and death benefits from 2027.

  • A man with gray hair gazes thoughtfully out a large window. In the background, iconic London landmarks, including Big Ben, are visible under a cloudy sky, suggesting a contemplative urban setting.

    Blog

    Will ‘Budget anxiety’ fuel non-advised pension withdrawals?

    As the Labour Budget approaches, concerns over potential pension tax changes could lead to a surge in non-advised pension withdrawals.

  • Blog

    A new era in UK pension policy

    The appointment of a new Pensions Minister is set to reshape the UK pensions landscape, helping to ensure more consistency.

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    Blog

    Pension priorities and potential reforms

    What are the potential impacts of Labour's election victory on UK pensions? From tax relief reforms to death benefits, discover the key challenges.

  • A woman with blonde hair rests her chin on her hand while holding a pen, appearing thoughtful. She sits in a bright room with bookshelves in the background.

    Blog

    The pension tax overpayment crisis: urgent fixes needed

    HMRC's pension income tax process has led to £1.2 billion in repayments. It's time to examine this broken system and push for reform.

  • A woman in a mustard-colored outfit sits smiling, holding a pencil and notebook. She's engaged in conversation with another woman in a casual, light-filled room with a sofa and plants.

    Blog

    Integrating SIPPs and annuities for success

    In spite of Pension Freedoms, annuities continue to be a significant option for SIPP-holders considering decumulation.

  • A person in a light jacket stands by a river, gazing at the skyline featuring Big Ben and the Houses of Parliament, illuminated by a warm sunset.

    Blog

    The Lifetime Allowance abolition: frustration for SIPP professionals

    James Jones-Tinsley delves deeper into the frustrating situation for SIPP Providers and Advisers regarding the Lifetime Allowance abolition.

  • A man, deep in thought with his hand on his chin, sits among two others in a modern, well-lit space, likely engaged in a serious discussion or meeting.

    Blog

    The urgent need for FSCS reform – “No, it’s still not fine!”

    Four years since we explained how FCA fines might reduce the impact of FSCS levies on advisers, the 'good guys’ still pay for the 'bad guys'' misdemeanours.

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