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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)
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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

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    Pensions and benefits tools

    Pensions and benefits technology

    • Benefits platform (4me)
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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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    • 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)
    Back

    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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    Insights and events

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All insights

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  3. Insight
  • Briefing

    Member options in focus: 2025 edition

    Explore our briefing on DB pension scheme member options in 2025. Understand how market changes, buyout strategies, and member outcomes are shaping trustee decision…

  • Blog

    Setting equity return assumptions for DB pension schemes

    A comparison of the ‘gilts plus’ and discounted dividend model approaches to setting equity return assumptions for defined benefit pension schemes.

  • Blog

    Wish list for the UK occupational pensions industry in 2025

    A wish list for the UK occupational pensions industry in 2025, including Section 37 resolution, PPF levy reform, improving DC value, and more.

  • Blog

    A guide to setting expense reserves under the new Funding Code

    This blog unpacks the key changes and offers practical strategies to help you adapt effectively to the introduction of the new Funding Code.

  • A middle-aged man is writing notes while seated at a desk with a laptop. He is focused, surrounded by a modern workspace, and a blue coffee cup is nearby. Graphical data overlays are visible.

    Briefing

    Transfer value experience - Q2 2024

    The pension transfer landscape continues to evolve, with notable shifts in CETVs.

  • Two hikers are ascending a scenic mountain trail, smiling and holding trekking poles. Lush greenery surrounds them, and a valley is visible below, with clouds and mountains in the distance.

    Briefing

    Defined Benefit Funding Code of Practice

    The Pensions Regulator (TPR) has published a new Code of Practice for funding DB pension schemes. We examine the possible impacts and the considerations for trustee…

  • A woman in a blue blouse gestures while speaking to another person during a conversation at a desk. The setting features plants and soft lighting, suggesting a professional yet comfortable environment.

    Blog

    New Funding Code: initial reaction

    The Pensions Regulator has published its long-awaited Code of Practice for funding defined benefit (DB) schemes. We reflect on the implications.

  • A woman holds a tablet and smiles confidently while standing in a modern office environment with soft lighting, elegant furniture, and greenery in the background, creating a professional atmosphere.

    Briefing

    Transfer value experience - Q1 2024

    Get an in-depth analysis of defined benefit (DB) cash equivalent transfer values (CETVs) over the twelve months to 31 March 2024.

  • A woman with blonde hair, wearing round glasses and a yellow top, smiles while seated on a gray couch, surrounded by shelves filled with books in a bright room.

    Briefing

    Transfer value experience – Q4 2023

    Get an in-depth analysis of defined benefit (DB) cash equivalent transfer values (CETVs) over the twelve months to 31 December 2023.

  • A man in a gray sweater and colorful scarf stands beside a bicycle, looking around in an urban setting with modern skyscrapers and pedestrians in the background.

    Blog

    Funding and Investment Regulations: five reactions

    Mark Tinsley shares five initial thoughts on the DWP's response to its 2022 consultation on the draft Funding and Investment Regulations.

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