Insights
News and Commentary
17 April 2026
Don't Settle for the Default: Why Your Master Trust Pension Requires an Urgent Review
Recent IORP II regulations have swept tens of thousands of stand-alone pension schemes into default Master Trusts. Remaining in an unoptimised default arrangement is a choice that could be severely impacting your financial future.
Garfield Spollen
19 March 2026
Taking Control of Your Retirement: Why You Should Consider a Buy Out Bond
Throughout your career it is normal to accumulate scattered pension benefits. With IORP II making single-member schemes increasingly costly, a Buy Out Bond may be the right solution to maintain control of your retirement savings.
Garfield Spollen
6 March 2026
Navigating the IORP II Pension Changes: Why You Need a Financial Advisor in Your Corner
22 April 2026 deadline: if you hold a One Member Arrangement such as an Executive Pension or Small Self-Administered Scheme established before April 2021, the IORP II directive is bringing strict new regulations.
Garfield Spollen
19 January 2026
Why Hiring a Personal Financial Advisor Can Transform Your Finances
Managing your finances effectively is crucial for long-term security. Working with a personal financial advisor gives you clarity, confidence, and a tailored strategy that evolves with your needs.
Garfield Spollen