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Andrew Phipps

Principal and Head of SIPP Proposition & Supplier Management
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Andrew is responsible for the strategic direction and ongoing management of BW’s SIPP propositions and supporting third-party supplier relationships.

A former Chair of the Association of Member-Directed Pension Schemes (AMPS) committee with over 20 years’ experience in the bespoke SIPP market, he has a deep understanding of where propositions can be improved and the practical solutions required to meet those needs.

He ensures propositions remain competitive, compliant and aligned with Consumer Duty outcomes. His main responsibilities include managing discretionary fund manager (DFM) relationships, identifying and delivering propositional enhancements, monitoring risks and KPIs, and implementing changes required by legislation and regulation.

Andrew has previously implemented joint propositions for several household-name insurance firms and other strategic partners, providing self-invested services for these organisations. This included managing the operational function, including designing processes, recruiting and training staff, and developing KPIs/MI to evidence performance.

At BW, he leads and develops a specialist team that oversees proposition materials and communications, and maintains strong external relationships to support good customer outcomes and effective governance.

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Photograph of Andrew Phipps

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Career

Began his career at Garvins as a trainee actuary in 1998, before joining Suffolk Life to manage a portfolio of SSAS clients, where he became team leader. Following the sale of the SSAS book to Mattioli Woods in 2005/06, he stayed with Suffolk Life through its acquisitions by L&G (2008) and Curtis Banks (2016), progressing to Director of Operations for the eSIPPs business and later Head of Product and Proposition. He moved to Embark Group in 2019 as Product Owner for their SIPP and SSAS business. He joined BW in 2025.

Interests

Andrew’s life outside work is mostly spent with his wife and three teenage children. He is keen on running, walking and cycling, and has recently taken up learning to play the guitar.