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    With more than 1,700 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

    Risk Evolves acquisition expands BW’s risk expertise

    Deepening our expertise in cyber security, data protection, governance and compliance.

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    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 - 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 tools

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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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    Bulk annuity provider services

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

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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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    • 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)
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    • 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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  • 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

    DC in focus: Large DC Schemes Analysis 2025

    In a rapidly evolving pension landscape, our latest analysis highlights scale as an emerging theme.

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  • A woman with glasses is thoughtfully engaging with her computer, showing concentration. She is in a bright, modern workspace surrounded by a soft blue background.

    Briefing

    Examining the state of the UK State Pension

    A review of the State Pension Age will analyse the operating costs and consider whether the rules around pensionable age are appropriate.

  • A man wearing outdoor gear looks up thoughtfully while hiking, with a backpack on his back. The background features blurred greenery, suggesting a natural environment.

    Blog

    Five things for pension holders to be aware of in 2022

    2021 was a volatile year for the nation’s finances, and there were some important changes made that will impact people’s pensions in the year ahead.

  • A woman with curly hair in a blue suit gestures while speaking. She appears engaged in a conversation, seated in a bright, modern office setting with soft blue tones.

    Blog

    The 'net pay anomaly' and workplace pension schemes

    If there’s one tin can that has been kicked down the road remorselessly by HM Treasury in recent years, it's the one with the 'net pay anomaly' label.

  • A woman with short, silver hair and glasses sits on a couch, holding a white cup. Behind her, framed artwork decorates a softly lit living room, creating a cozy atmosphere.

    Blog

    Does a state pension 'double lock' for 2022 offer intergenerational fairness?

    From next April, the state pension triple lock will be temporarily replaced with a ‘double lock’ of the highest of either inflation, or 2.5%. Is this a necessary bu…

  • A woman is focused on writing in a notebook while seated at a wooden desk. A computer monitor is visible, with a cozy living room in the background.

    News

    Consultation suffocation

    During this year to date, the financial regulators, certain government departments and parliamentary select committees have released numerous consultations and call…

  • A man in a brown shirt is writing on paper while leaning over a kitchen countertop. A coffee cup is nearby, and natural light illuminates the modern, tidy kitchen setting.

    Blog

    FCA's stronger nudge to pensions guidance

    FCA proposals to ’nudge’ more people into guidance before accessing retirement savings is raising eyebrows and questions among providers - find out why.

  • A man is painting a wall with a roller while smiling at a woman nearby. The environment appears bright and airy, with natural light coming through a window.

    Blog

    When three become one: MaPS’ MoneyHelper rebrand

    Does MaPS’ brand consolidation make sense? One could argue that "MoneyHelper" sounds like a pay-day lender. And for providers, this is a time-consuming and costly e…

  • Briefing

    "Walk this way?" What will Investment Pathways mean for consumers and advisers?

    We provide an initial overview of what Investment Pathways are and how they work and address their implications for both consumers and advisers.

  • A person holds a smartphone while dressed in business attire, standing outdoors with a blurred background. A blue logo featuring stylized letters is prominently displayed in the foreground.

    News

    Pensions industry shocked by deafening silence of the Government 'tax day'

    The Government has now published the much anticipated tax-related consultations document following the budget earlier this month. This is another policy with missed…

  • A man stands beside a tall stack of gold coins, looking upward with one hand raised in surprise or excitement. The background features a light blue gradient.

    Blog

    Proof of burden: rising costs for advisers

    What is the biggest burden that advisers are currently facing? During our workshop at ‘the recent Money Marketing Interactive we conducted a number of adviser polls…

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