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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

    Five new partners appointed to support business growth

    Continuing our investment in talent and driving business growth across our core markets.

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    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

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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

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    Pensions and benefits tools

    Pensions and benefits technology

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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

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    • Capital modelling (validateR)
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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 - 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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  1. Home
  2. Insights
  3. Insight
  • A couple leans close together, with the woman resting her head on the man's shoulder. They appear relaxed and affectionate, against a backdrop of softly blurred trees and greenery.

    Blog

    SSAS and SIPP members should review their expression of wishes

    Changes to lump sum death benefits expected on 6 April 2024 mean it's important for SSAS and SIPP members to review their expression of wishes forms.

  • An older man in a sweater engages in conversation, looking attentively. The setting appears bright and modern, with soft colors and blurred background elements suggesting a comfortable indoor space.

    Case Study

    How a Pension Sharing Order could affect your SSAS (part 2)

    How the SSAS assets between members could change where there is insufficient cash to meet the Pension Sharing Order obligations.

  • A woman with gray hair and glasses rests her chin on her hand, gazing thoughtfully. She is seated on a light-colored sofa, with bright natural light coming through large windows nearby.

    Case Study

    How a Pension Sharing Order could affect your SSAS

    We consider how the members of a SSAS’s shares of the scheme assets could change following the implementation of a Pension Sharing Order.

  • A senior woman with short gray hair gazes thoughtfully into the distance, wearing a bright yellow sweater. The background features an abstract blur of soft blue and green tones, suggesting a serene outdoor setting.

    Blog

    Why now could be a good time to increase your pension contributions

    Set your New Year’s Resolutions? Lisa White explains why ''The Power of One'' will be hers. It could now be a good time to increase pension contributions.

  • A woman in a suit gestures while talking, holding a folder. A man in a suit walks beside her. They are outdoors in a professional setting with modern buildings and greenery.

    Case Study

    Tax charges for holding residential property in a SSAS or SIPP

    Holding residential property in a SSAS or a SIPP is generally not a tax efficient investment for this type of pension scheme. Tax charges for getting things wrong, …

  • Four people interact with large puzzle pieces in a light green space. One person is on a ladder working on a piece, while another holds a megaphone. Two others are arranging pieces together.

    Blog

    Changes to the planning laws: the implications for SIPP and SSAS

    Under new planning rules, existing commercial properties may be able to be converted into residential property more easily. But what are the tax implications for SI…

  • A hand holds a pen, signing a document labeled “HMRC,” while eyeglasses rest nearby. The background features smooth, muted colors, suggesting an office environment focused on paperwork.

    Blog

    SSAS pensions: our role as a professional trustee

    Our role as a professional trustee to SSAS clients is to support the member trustees as they carry out their duties, whilst making pensions legislation as clear and…

  • Blog

    How can I hold student property in my SSAS or SIPP?

    There are a number of factors to consider when deciding whether to bring hall of residence into your pension scheme. Not all properties will meet HMRC’s criteria as…

  • Blog

    Holding residential property in SSAS or SIPP – what you need to know

    When it comes to buying property in your SSAS or SIPP, you need both knowledge and wisdom, especially where there is the possibility that the property could be deem…

  • Blog

    Divorce and the SIPP

    If you are going through a divorce the last thing on your mind may well be your, or your spouse’s, pension savings. However, as pension savings can be a valuable pe…

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