Pensions in 10

Inspired by Talk Money Week and this year's theme, 'It all counts', this special episode looks at the small, manageable actions people can take to improve their financial wellbeing. David Brooks, Head of Policy, Adam Bexson, Senior Consultant, and Kelly Parsons, Head of DC Proposition, at Broadstone share their practical tips on:

• Planning for the different financial transitions that can happen throughout retirement
• The importance of financial independence and awareness for women
• Preparing for the unexpected and making sure your affairs are in order
• Taking a holistic approach to financial planning, from managing debt to building long-term savings

With National Pension Tracing Day on 25 October, this week's episode focuses on how to find lost pension pots and make sure they're working towards the retirement you want. Broadstone's David Brooks, Kelly Parsons and Adam Bexson share practical guidance on:

• How to trace pensions from previous employers
• How to spot pension scams and protect your savings
• What to consider when deciding whether to combine pension pots or leave them separate

They also explain why finding your pensions is only the first step, and why it's important to review your arrangements to make sure you're on track for retirement.

David Brooks looks back at the biggest takeaways from the Pensions UK Annual Conference, including the key messages from headline speeches by MPs Torsten Bell and Helen Whately. Also, with just over a week to go until the Autumn Budget... what could be in store for pensions?

David Brooks, Head of Policy at Broadstone, is joined by colleague Kelly Parsons, Head of DC Proposition, to discuss the The Pensions Regulator's latest speeches and what they mean for the future of defined contribution pensions. This week, they discuss:

• The drive to improve value for money in DC pensions, shifting the focus from low charges to investment performance, contribution levels and better outcomes for members
• The Pensions Regulator's wider role in the industry, including why keeping member outcomes at the centre of its approach is essential
• The risks of pension scheme consolidation, exploring whether having fewer, larger providers could increase concentration risk as the pensions market continues to grow

David Brooks is joined by Andy Knight-Stephens and this week they discuss:

• The latest Triple Lock announcement and what it means for pensions
• The ups and downs of gilt yields and what to watch out for in DB and DC pensions ahead of the Budget

David Brooks, Head of Policy at Broadstone, explores the latest developments in retirement income and how people are using their pension savings. This week, he discusses:

• The latest retirement income market data, including the sharp rise in withdrawals from DC pensions and what this could mean for retirement income sustainability
• Whether rising withdrawals reflect changing retirement behaviour, including the impact of the shift away from DB pensions and recent changes to inheritance tax rules
• The future of decumulation, including the four options being considered for guided retirement pathways: drawdown, annuities, flex and fix, and retirement CDC

David Brooks, Head of Policy at Broadstone, is joined by colleague Christopher Rice, Head of Trustee Services at Broadstone. This week, they discuss:

• The Pensions Regulator's latest DB funding analysis, including why smaller schemes have seen some of the biggest funding improvements and what the final Tranche 19 report means under the new tunding code
• A roundup of key industry developments, from DC small pots and pension scams to the latest debate around retirement adequacy
• What they're seeing in the buy-out market, including increasing insurer activity and what that could mean for schemes planning their next steps

It's Pension Awareness Day – and there's no better time to think about maximising your pension, closing the gender pension gap and planning beyond retirement in our Pension Awareness Week Pensions in 10 special. David Brooks, Head of Policy at Broadstone, is joined by colleagues Adam Bexson, Senior Consultant, and Kelly Parsons, Head of DC Proposition, to share practical tips on making the most of your pension at every stage of your career.

This week, David Brooks, our Head of Policy runs you through:

• Pension tax relief – the different arrangements and what HMRC is doing in this area
• Pension Attention – David shares his views on the campaign’s new angle and looks ahead to Pension Awareness Week
• GMP conversion – the latest developments from the DWP consultation

David Brooks and Adam Bexson explore new research from the Association of Member Nominated Trustees (AMNT) on how the member voice can be heard across Defined Contribution (and potentially Collective Defined Contribution) arrangements. The team also discuss research from Skipton Building Society finding that Gen Z workers are three times more likely than the wider population to want to retire before the age of 55, amid growing online interest in the Financial Independence, Retire Early (FIRE) movement.