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  • About us

    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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    About us

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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

    • Advisory and analytics
    • Data and decision-making
    • Governance
    • Pensions
    • People and wellbeing
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    • Risk technology
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    Pensions

    • Defined benefit (DB)
    • Defined contribution (DC)
    • Interim recruitment and project resourcing solutions
    • Investment consulting
    • Pension management and governance
    • Public sector
    Defined benefit (DB) Defined contribution (DC) Interim recruitment and project resourcing solutions Investment consulting Pension management and governance Public sector People and wellbeing Sustainability
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    Risk technology

    Risk technology

    • Risk Portal
    • Board evaluations (BoardClic)
    • Carbon emissions reporting (CARAT)
    • Pay gap reporting
    • Real-time decisions (Swarm AI)
    • Risk management software (Celestia Risk)
    • Schools analysis (Data Navigator)
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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
    • Benefits consulting
    • Communications
    • Defined benefit (DB)
    • Defined contribution (DC)
    • Investment
    • Pension management
    • Public sector
    • Self-invested pensions
    • Pensions and benefits tools
    Administration Benefits consulting Communications Defined benefit (DB) Defined contribution (DC) Investment Pension management Public sector Self-invested pensions
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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)
    • SIPPs Online
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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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    Insurance

    • Actuarial support for insurers
    • Interim recruitment and project resourcing solutions
    • Technology for insurers
    Actuarial support for insurers Interim recruitment and project resourcing solutions
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    Technology for insurers

    Technology for insurers

    • Insurance technology
    • 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

    • Charities and endowments
    • DB investment
    • DC investment
    • Family office
    • Insurer investment
    • Outsourced investment
    • Public sector investment
    • Streamlined DB investment
    • Sustainable investment
    Charities and endowments DB investment DC investment Family office Insurer investment Outsourced investment Public sector investment Streamlined DB investment Sustainable 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

    • Clarity from BW
    • Insurance sector
    • Pensions and benefits
    • Risk management
    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

    • Risk
    • Pensions and benefits
    • Insurance
    • Investment
    • Technology
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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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  • 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

    Government Budget 2020: Has Rishi Sunak gone far enough to 'get this done'?

    The Chancellor, Rishi Sunak, has today announced a significant change to the tapered annual allowance thresholds as it is raised to £90,000. This means that from 20…

  • A doctor in a white coat with a stethoscope holds a tablet while engaging in conversation with a man in business attire, set against a simple, muted purple background.

    Blog

    Opting out of the NHS Pension Scheme

    Now that the government has launched their consultation paper on increasing flexibility within the NHS Pension Scheme, some NHS trusts are taking action to shore up…

  • A person in white clothing lifts a heavy weight labeled "TAX" above their head, symbolizing struggle or effort, against a soft, muted gray background with curved shapes.

    Blog

    NHS pensions: new consultation offers more complications

    We understand the challenges facing senior NHS staff in managing the tax burdens imposed by the complex pensions taxation legislation. With our extensive knowledge,…

  • 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

    NHS Pensions: Treasury announcement fails to address broken tax system

    Following the government announcement of a new consultation to address the NHS pension scheme and the 'tax trap' of Tapered Annual Allowance, our experts have addre…

  • Blog

    £400,000 tax bill? Five ways you might lose a protected pension allowance

    Maintaining a protected pensions allowance is no easy task. With the LTA capping the amount of tax-relievable savings, we offer an in-depth look into the big pitfal…

  • A man and a woman are engaged in a serious conversation, focusing on a document or device, in a bright, modern office setting, with blurred colleagues visible in the background.

    Briefing

    Which pension scheme should your Executive Head join?

    Our Executive Pensions team have extensive experience of both TPS and LGPS and are ideally placed to assist schools and Head Teachers with the decision as to which …

  • Briefing

    Lifetime Allowances and Life Cover through Excepted Group Life Policy

    From 2019/20 the LTA will be £1,055,000 and there's been a continued increase in the use of EGLPs for employees who already have a high level of benefit in a regist…

  • Blog

    5 April looms - pensions and tax planning for high earners

    The 31 January deadline for paying tax for 2016/17 has now passed. Senior staff now have to think ahead to the end of the current tax year, ending on 5 April 2018.

  • Briefing

    Expected Group Life Policy - Lifetime Allowance & Life Cover

    Since the Lifetime Allowance (LTA) reduced again to £1 million at 6 April 2016, there has been an increase in the use of excepted group life policies (EGLPs) for em…

  • Blog

    All change for the Autumn Budget 2017…

    In this blog, we consider some of the options open to the Chancellor, the loose ends still to be tied up and some of the steps that individuals might consider in ad…

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