Broadstone independent UK consultancy delivering expert advice to employers is pleased to announce the appointment of Lindsay Kenny as SME Business Development Consultant With over 15 years of experience in employee benefits Lindsay will play a key role in driving Broadstone’s mission to deliver exceptional client outcomes and generate sustainable business growth.  Lindsay will deliver tailored employee benefits solutions that support SMEs by enhancing employee engagement and satisfaction She will collaborate with new and existing clients to understand their unique needs and ensure seamless implementation and ongoing support.  With a proven track record of exceeding sales and revenue targets Lindsay has an exceptional ability to forge strategic partnerships and manage client portfolios.  Lindsay joins Broadstone from Towergate where she gained significant experience in helping companies and individuals improve their employee health and wellbeing via her extensive expertise in health and risk benefits.  Head of Health and Protection at Broadstone said: “We are thrilled to have Lindsay join our team – her extensive experience and passion for employee wellbeing make her a valuable addition It is an exciting time to be at Broadstone as our Employee Benefits Consulting team is growing quickly in response to the growing demand from businesses of all sizes for innovative and effective employee benefits solutions.”  SME Business Development Consultant at Broadstone and experience to a company that is shaping the future of employee benefits Broadstone’s dedication to delivering exceptional client service and creating meaningful sustainable relationships is something I truly believe in I look forward to contributing to the company’s continued success and helping businesses develop employee benefits solutions that truly make a difference.”  Retirement Almost 9 million people in the UK remain significantly underpensioned compared to the broader population Insurance and Protection New research from Canada Life reveals1 that many UK adults are misguided in their knowledge about estate planning L&G’s Group Protection business today launches the latest instalment of the third edition of its Chief Medical Offic… Economy Sharp payroll job losses in March coupled with all-time low consumer confidence pose significant risks to the United Kin… Investments Rumours of Cash ISA allowance cuts sparked a rush to ISAs in March whilst savers poured in £4.2 billion to the accounts… Podcasts we dive into one of the most exciting developments in personalised advice: behaviour… 49% of over 50s recognise that annuities provide income certainty – up from 39% a year ago Scottish Widows is set to launch an open-architecture Long Term Asset Fund (LTAF) later this year Exclusives, Regulation and Compliance Let’s be honest—when someone says “regulation” Regulation and Compliance head of responsible investment at Quilter Cheviot comments on the FCA’s notice it will not apply SDR to… We are using cookies to give you the best experience on our website You can find out more about which cookies we are using or switch them off in settings Our website uses cookies to enhance your experience and to help us understand how you interact with our site. Read our full Cookie Policy for more information These cookies are essential for the basic operations of our website They ensure that the website functions correctly and securely we will not be able to save your preferences This means that every time you visit this website you will need to enable or disable cookies again These cookies are used to serve adverts and measure their effectiveness They help us provide relevant advertisements Tracking and analytics cookies gather information on how visitors use our website This data helps us understand user behavior While these cookies collect anonymous data they may also be used to identify patterns in user behavior Please enable Strictly Necessary Cookies first so that we can save your preferences More information about our Cookie Policy Recent leadership changes have been made at Xceedance, Broadstone and Brit Group has appointed Gavin Lillywhite as senior vice president and operating leader for the UKI and Europe regions Lillywhite brings over 30 years of experience in the London Lloyd’s and Company Insurance Market with expertise spanning technical underwriting distribution and client relationship management Lillywhite’s extensive career includes roles in cyber he will be responsible for helping clients navigate a challenging downward rate environment and managing market pressures has named Lindsay Kenny (pictured above) as SME business development consultant Kenny brings over 15 years of experience in employee benefits and business development In this role, she will work closely with both new and existing clients to create tailored employee benefits solutions for SMEs, focusing on improving employee engagement and satisfaction. Kenny’s background includes expertise in health and risk benefits, gained during her time at Towergate Her appointment aligns with Broadstone’s strategy to expand its employee benefits consulting team to meet growing demand Brit Group Holdings has appointed Jonathan Mudd as active underwriter for Syndicate 2988 will continue in his role as managing director for financial lines and cyber while taking on additional responsibilities for Syndicate 2988 specialises in following business written by Syndicate 2987 and third-party business the syndicate wrote £181 million in premiums Mudd’s appointment follows his previous role as deputy active underwriter South East Water Pension Scheme completes £120m buy-in with Just Group Savers increase contributions by 19% in 2024; gender gap widens Sole trustees ‘embrace’ General Code as an opportunity to innovate 'Robust' processes and protocols needed to mitigate against AI risks FCA concludes targeted support policy sprint Scoop: LGPS reappoints Equiniti Retirement Solutions as administration software supplier 'Improve or consolidate' if you can't protect savers from climate risk PPF appoints firms to trustee services panel and RPIS framework Govt to separate pension and administering authority accounts in local audit 'overhaul' TPR looks to bolster expertise with senior appointments UK strikes deal with EU on post-Brexit financial services – report Paragon reveals expanded development finance portfolio Gunfire reported outside San Antonio police HQ FTSE chairman receives criticism after 3 of his companies fall into trouble ‘IHT gifting allowance update could cascade £82.6bn to lower generations’ - Old Mutual Wealth £500 employer-arranged pensions advice should be doubled – Aegon Budget confirms minimum investment for premium bonds to be reduced from £100 to £25 Chancellor likely to revert to ‘salami-slicing’ of pension tax relief WH Smith Group receives £75m cash refund following DB scheme buyout NI LGPS remains in good health; consideration needed on surplus guidance TPO upholds complaint against employer for failure to pay outstanding pension contributions Bell reiterates govt commitment to state pension triple lock for full parliament term UK pension savers choose stability over high returns Schroders and Cornell University publish framework on climate risk Updated: LGPS pools await further clarity from govt after receiving green light on future plans GP manager facing bankruptcy restrictions following pension failures Westerby Group acquires pension provider Redswan 2025 'key year' for pension schemes considering their endgame strategy Education | Posted on April 30th, 2025 | return to news Pupils at a Broadstone school have had a chance to show off some new skills At the completion of their latest ‘University of Broadstone Curriculum’ they held an ‘Outcome Day’ 7 and 8 of Broadstone Middle School choose an option to help them develop a new interest or life skill They then show off what they have learned or created and parents are invited in to see the results students at Broadstone Middle School chose from options including ‘Shoe Crew’ which involved decorating footwear and PomPom Club in which they made pompoms said: “The University of Broadstone Curriculum has been going for some years and the children love it “They take four options during a year and can’t do the same one twice so they get to experience a variety of courses across their time with us “Each teacher decides what they will offer and they take mixed groups from all the years “Some of the most unusual options include forensic science as well as gain an understanding of things beyond the National Curriculum “The children also meet and befriend those not from their year groups learn to work in teams and develop new social skills “This all goes to supporting their personal development and the sense of community at Broadstone Middle School “The latest Outcome Day saw parents come to look over what the children had been doing The Shoe Crew and PomPom club were particularly popular.” Subscribe to the online magazine news letter and website in this browser for the next time I comment Δdocument.getElementById( "ak_js_1" ).setAttribute( "value" DORSET VIEWDana HouseSpinneys LaneFerndownDorsetBH22 9BZ © Dorset View 2025 | Terms & Conditions  |  Copyright  |  Privacy Policy  |  Cookie Policy Phone: +44 (0) 1858 438800 Email: [email protected] You are currently accessing Professional Pensions via your Enterprise account If you already have an account please use the link below to sign in If you have any problems with your access or would like to request an individual access account please contact our customer service team Email: [email protected] Become a Professional Pensions Lite Member today Join now Login Smart expands partnership with Amazon Web Services to support development of Keystone Partner Insight: Risk settlement - Getting the best outcome in a growing and segmented market PP brings together all the appointments in the pensions industry over the past week © Incisive Business Media Limited, Published by Incisive Business Media Limited, New London House, 172 Drury Lane, London WC2B 5QR. Registered in England and Wales with company registration number 09178013. Part of Arc network, www.arc-network.com The course - initially called The Broadstone Links at The Dorset Golf Club - was originally laid out by Tom Dunn the professional at nearby Meyrick Park in Bournemouth who was the most prolific designer of his time when he was tasked with laying out new holes in the heathland from the present 5th tee to the 16th green thus cutting out the parkland holes to make the course entirely heathland Several photographers have taken many fine images of the course here The mid-length par-3 6th is one of the prettiest holes playing 166 yards uphill from the tips to a well-bunkered steep-fronted green with a stand of pines behind In the right light it is a real visual treat The 6th is a gorgeous uphill par 3 (Photo: Kevin Murray) Broadstone is an impressively varied heathland fan's dream that is ranked 97th in our Top 100 UK&I Course Rankings in association with Peter Millar Header Cell - Column 0 Header Cell - Column 1 Address broadstonegolfclub.com/ office@broadstonegolfclub.com No stated restrictions other than after 2pm only Fri-Sun A really fine example of heathland golf architecture across a diverse It should perhaps have more notoriety as one of Harry Colt’s most inspirational redesigns It is perhaps the par 3s throughout that steal the show with the long 15th arguably the most challenging your heart will sink with the realisation that your round is over Broadstone is a course you’ll be eager to return to again and again - It's a fine example of a Harry Colt classic playing over rolling heathland terrain - Some of Frank Pont’s dramatic bunkering on a number of holes has brought back more of the origjnal Colt flavour - Combining it with games at neighbouring Ferndown and Parkstone makes for a superb short break UK & Ireland Top 100 Golf Courses 2025/26 - 97 Every golfer will have his or her own view when it comes to a personal favourite among Bournemouth’s Big Three and my thoughts have certainly switched between the protagonists at times over the past couple of decades The original course was created in 1898 by Tom Dunn before a Harry Colt redesign in 1914 which introduced a number of new holes to take fuller advantage of its stunning location on expansive heathland architect Frank Pont has been entrusted to take the course back closer to its Colt days with some eye-catchingly dramatic bunkering Having twice traversed the same stream on the 1st (if all has gone well) with the course playing up to a very steep-fronted green before coming back down immediately on the 3rd Pont’s work is in evidence on the gorgeous par-3 6th - a personal favourite of mine - that plays up to another steep-fronted green with a copse of pines beyond and again on the 8th just after the excellent In between lies the fearsome long par-4 7th, and just as the jury is out as to which is the finest of the three neighbouring courses all vying for best golf course in Dorset honours so too is it for this ‘Marmite’ hole while I know many others who would disagree vociferously it is undoubtedly a strategically challenging par 4 thoroughly deserving of its SI 1 status where the semi-blind drive is followed by a daunting or thrilling second (depending on your point of view!) across shallow valleys Subscribe to the Golf Monthly newsletter to stay up to date with all the latest tour news head-to-heads and buyer’s guides from our team of experienced experts The short par-4 14th provides yet another visual treat playing from a highly elevated tee down and then up to a fairway surrounded by bunkers but it is perhaps the par 3s throughout that steal the show Tim GormanGolf Monthly Top 100 panellistThe immediate impression on arrival is of a lovely course upon which to spend a pleasant day’s golf under the layer of silk lies an iron fist of a golf course In my top tier of tough courses in England my handicap would surely be two to three shots higher were I to be a member here John WinterGolf Monthly Top 100 panellistBroadstone’s strength lies in its course design on adventurous land that provides some really dramatic and varied golf holes The opening three are more parkland in nature and cover the same land as the final two the course presents some dramatic elevation changes some fun run-offs and undulations on the greens as well as a sense of grandeur it had that 'getting away from it all' feeling As you look out across the course from its highest point you feel that you could easily build another 18 holes in the land that went untouched by Dunn and Colt Contact the club via the golf bookings email address With pine trees and firs also lining many of the holes Percy Alliss was professional at Ferndown and son Peter counted the club as his spiritual home Parkstone is one of many UK courses that has been striving to rediscover its heathland roots in recent years such as the 3rd where you play from a causeway crossing water Heatherdene House offers good accommodation with free WiFi various breakfast options and a garden in which you are more than welcome to relax the Highcliff Marriott Hotel enjoys a dramatic clifftop location just a ten-minute walk from the centre of Bournemouth Guests enjoy free WiFi in all public areas The hotel boasts a striking terrace overlooking Bournemouth Bay and lies ten miles from Broadstone Golf Club He is now a freelance journalist writing mainly for Golf Monthly He is an expert on the Rules of Golf having qualified through an R&A course to become a golf referee He is a senior panelist for Golf Monthly's Top 100 UK & Ireland Course Rankings and has played all of the Top 100 plus 91 of the Next 100 making him well-qualified when it comes to assessing and comparing our premier golf courses He has now played 1,000 golf courses worldwide in 35 countries from the humblest of nine-holers in the Scottish Highlands to the very grandest of international golf resorts He reached the 1,000 mark on his 60th birthday in October 2023 on Vale do Lobo's Ocean course Put him on a links course anywhere and he will be blissfully content Jezz can be contacted via Twitter - @JezzEllwoodGolf Driver: Ping G425 LST 10.5˚ (draw setting) Mitsubishi Tensei CK Pro Orange 80 S shaft Wedges: Ping Glide 4.0 50˚ and 54˚ Ball: Any premium ball I can find in a charity shop or similar (or out on the course!) you will then be prompted to enter your display name Email: [email protected] You are currently accessing Cover Magazine via your Enterprise account If you already have an account please use the link below to sign in Email: [email protected] Join now Login Delivering employee benefits support for SMEs Momentum46.74Growth33.56Quality-Value56.33Price TrendShortMediumLongOverviewIn the preceding three months 4 analysts have released ratings for Broadstone Net Lease BNL presenting a wide array of perspectives from bullish to bearish The following table encapsulates their recent ratings offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months The 12-month price targets assessed by analysts reveal further insights This current average reflects an increase of 1.25% from the previous average price target of $20.00 An in-depth analysis of recent analyst actions unveils how financial experts perceive Broadstone Net Lease The following summary outlines key analysts and adjustments to ratings and price targets For valuable insights into Broadstone Net Lease's market performance consider these analyst evaluations alongside crucial financial indicators Stay well-informed and make prudent decisions using our Ratings Table Stay up to date on Broadstone Net Lease analyst ratings. Broadstone Net Lease Inc is an internally managed real estate investment trust that invests in and manages single-tenant commercial real estate properties that are net leased on a long-term basis to a diversified group of tenants The company has selectively invested in net leased assets in the industrial The company focuses on investing in real estate that is operated by creditworthy single tenants in industries characterized by positive business drivers and trends The company targets properties that are an integral part of the tenants' businesses and are therefore opportunities to secure long-term net leases Market Capitalization: Positioned above industry average the company's market capitalization underscores its superiority in size Revenue Growth: Broadstone Net Lease displayed positive results in 3M the company achieved a solid revenue growth rate of approximately 3.15% This indicates a notable increase in the company's top-line earnings the revenue growth lags behind its industry peers The company achieved a growth rate lower than the average among peers in Real Estate sector Net Margin: Broadstone Net Lease's financial strength is reflected in its exceptional net margin the company showcases strong profitability and effective cost management Return on Equity (ROE): Broadstone Net Lease's ROE stands out the company demonstrates effective use of equity capital and strong financial performance Return on Assets (ROA): Broadstone Net Lease's financial strength is reflected in its exceptional ROA the company showcases efficient use of assets and strong financial health Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms analysts specialize in reporting for specific stocks or defined sectors Their comprehensive research involves attending company conference calls and meetings and engaging with insiders to generate what are known as analyst ratings for stocks analysts assess and rate each stock once per quarter Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates delivering additional guidance to investors analysts are human and express their opinions when providing insights Breaking: Wall Street's Next Big Mover Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. Click here for urgent details. This article was generated by Benzinga's automated content engine and reviewed by an editor. Stock Score Locked: Want to See it?Benzinga Rankings give you vital metrics on any stock – anytime Momentum46.74Growth33.56Quality-Value56.33Price TrendShortMediumLongOverviewMarket News and Data brought to you by Benzinga APIs© 2025 Benzinga.com Benzinga does not provide investment advice date▲▼ticker▲▼name▲▼Price Target▲▼Upside/Downside▲▼Recommendation▲▼Firm▲▼Click to see more Analyst Ratings updatesAnalyst CalendarJoin Benzinga Edge and unlock all the major upgrades and changes to the market's most accurate analysts Click to JoinPosted In: Analyst RatingsBZI-AARBenzinga simplifies the market for smarter investingTrade confidently with insights and alerts from analyst ratings free reports and breaking news that affects the stocks you care about and trade ideas delivered to your inbox every weekday before and after the market closes Email: [email protected] Email: [email protected] The firm's DB Redress Tracker – which provides an indicator of the level of compensation due to those who were previously ill-advised to transfer out of their DB scheme – showed compensation for a .. Less than six weeks to go until Professional Pensions Live Consultancy says Transfer Value Index remained below £150,000 throughout Q1 2025 Health & Lifestyle | Posted on April 29th, 2025 | return to news A 103-year-old Broadstone care home resident has some good advice for anyone who wants to live a long and healthy life who lives at Care UK’s The Potteries on York Road advocates eating plenty of fish and vegetables To commemorate Dotty’s milestone birthday on Tuesday 22 April team members arranged for her to enjoy a special day out at Sandbanks Beach where true to her advice she enjoyed a lunch of fish – and chips Dotty worked in a bakery for many years before enjoying a career in the catering industry Dotty met her childhood sweetheart Clarence Cattle when she was just 12 years old The pair were married in 1942 and spent more than seven decades together with Dotty now cherishing three grandchildren and five great-grandchildren Dotty has always had a love for the beach – spending long summers in her caravan down in Cornwall in her younger years She has always enjoyed knitting and baking Dotty loves taking part in group exercise classes including seated stretching The centenarian was thrilled to be surrounded by friends and team members as they ventured out to the seaside to celebrate her momentous birthday before returning to the care home for a party with balloons surrounded by fellow residents and team members I’m so thankful I am still able to visit the beach at my age.” home manager said: “It was lovely to celebrate Dotty’s birthday with a grand day out to the beach She is a beloved resident at The Potteries and we all had a memorable time celebrating this tremendous milestone.” Email: [email protected] Email: [email protected] The latest data from the consultancy's Sirius Index which monitors how various scheme strategies are performing on their journeys to self-sufficiency revealed the 50% hedged scheme saw an increas.. L&G achieves Living Pension employer accreditation Professional Pensions: Stories of the week Email: [email protected] Email: [email protected] Analysis of pension pots from the consultancy through the ‘Wealth and assets survey' found a smaller proportion of women contribute to their DC pots compared to men across all age groups Bond market volatility sees DB surpluses rise by £12.8bn in January Illiquids set to play 'increasingly important' role in DC investment strategies Senior Correspondent at Professional Pensions Firm says volatility could affect master trusts which allocate high levels of equity overseas Join Jonathan Stapleton and Scottish Widows' Eva Cairns at 2pm on Wednesday Email: [email protected] Email: [email protected] The agreement with the financial and business services firm will enable Broadstone to expand its client offerings with the existing management team continuing to "own a significant stake in the bu.. How we won the PP Investment Awards 2024.. Just Group partners with Beyond Encryption to improve member security Mercer said acquisition expands the investment capabilities for its client base TPR annual DB funding statement and WPC report on DB market PP survey finds no consensus on whether new compact will be a step forward for DC sector Broadstone is expected to enhance its offerings to existing and prospective clients International law firm Debevoise & Plimpton announced yesterday (8 January) its role in advising private equity firm Lovell Minnick Partners (LMP) on its definitive agreement to make a strategic growth investment in UK financial services consultancy Broadstone financial technology companies and financial services investments and its most recent investment in Broadstone will aid the consultancy in both broadening and deepening its services to current and future clients Broadstone’s management team will continue to lead the company and maintain its significant stake in the business CEO of Broadstone Tony Gusmao said: “For more than four decades Broadstone has upheld an intense focus on our clients ensuring that we have the best team and technology in place to deliver best-in-class services across the UK LMP’s investment coupled with the firm’s deep experience helping professional services firms scale will allow us to accelerate growth and expansion of our offerings – particularly in our newly-formed insurance regulatory and risk unit – that will assert our position as a leader in the insurance actuarial consultancy space.” LMP principal Roumi Zlateva added: “LMP was drawn to Broadstone for a multitude of reasons ranging from its client-centric approach to its track record of organic growth our strategic alignment and excitement for the next chapter of its development Broadstone has built a differentiated position in the market enabled by a highly capable and talented team guidance and resources to continue that effort of scaling the business and positioning it for future success.” commented: “Broadstone’s capable management team and deep bench of actuaries consultants and administrators exude a culture of excellence We’re looking forward to collaborating with this strong team to continue expanding its offerings to meet the evolving needs of customers” The transaction is set to close in the second quarter of 2025 reliant on customary regulatory approvals and reviews Financial terms of the transaction remain undisclosed The acquisition will create a streamlined platform for card and expense management Prosperity Life Group has sold its company The global life insurance group sold 100% of its shares for USD 10.6 billion The International Comparative Legal Guides and the International Business Reports are published by: Global Legal Group succinct advice in answer to a number of standard questions when seeking more detailed advice from lawyers in a particular country I was referred back to The International Comparative Legal Guide to: Pharmaceutical Advertising as the best advice I could get in their uncertain world It is a great format and an excellent handy reference on a complex subject.Brian Cahill Legal Operations Europe - GLAXOSMITHKLINE PLC © 2002-2025 Copyright: ICLG.com | Privacy policy | Cookie policy | Terms of Use | Conditions of Sale Your registration was successful and a confirmation email has been sent to you.Please check your junk mail or spam folder as this email may have gone there Autumn Budget fever has started earlier than ever this year and a number of potentially significant changes are rumoured to be under consideration by the Chancellor of the Exchequer With the Government looking for revenue-raising measures while ruling out taxes on workers it means that pensions and pensioners are once more under the microscope following the intense debate around the means-testing of Winter Fuel Payments just how far is the Government likely to go in search of extra money from retirees?   With nearly one month to go until the Chancellor stands at the despatch box runs the rule over any potential pension announcements and assesses the likelihood of them making it into the famous red box This is the main rumour doing the rounds and would have the biggest impact on people saving for a pension but is likely to be the hardest the proposal is to change giving tax relief off the top rate of marginal tax someone is paying This could be either a new standalone rate This would likely be bad news for some higher rate tax payers but better for basic rate tax payers who would see a greater benefit in pension savings It would also have challenges around salary sacrifice and net pay arrangements and could be very tricky to implement in Defined Benefit schemes so would have potentially major ramifications for public sector workers.  Albeit any changes are unlikely to be implemented in the next tax year.   It has long been seen as overly generous that since 2015 a death before the age of 75 results in virtually no tax on Defined Contribution pension withdrawals while deaths after age 75 see pension benefits paid inheritance tax free.  Changing one or both of these rules would be a relatively easy move and potentially lucrative This could risk devaluing the benefit of pensions as a savings method and from a technical point of view there could be complications around trust laws.  A reversal of the unusually generous 2015 rules for deaths before 75 is most likely.   limits the maximum amount of tax-free payments that can be paid during an individual’s lifetime to £268,275  It is estimated that reducing the LSA to £100,000 would impact one in five retirees and raise around £2bn a year in the long run It isn’t clear if the modelling on this has considered the rights of those members with protection and the additional assumption that there would be another round of protection for those with lump sum rights of more than £100,000 at the date of the reduction.  There could also be technical challenges for members with cash in addition and also funding if income is higher in pensions.  A change that would likely bring complaints about decreasing confidence in pensions as a saving concept as tax-free cash is in one of its most recognised benefits.  Reforming the National Insurance system  A few ideas are doing the rounds here such as changing the NI break on pension contributions for employers charging NI on pension incomes or charging NI on earned income over State Pension.  Given the flexible nature of the percentages and bands used there are a wide range of outcomes available IFS estimates a complete change to NI on employer contributions could raise £17bn This passes the tax burden on to employers and might result in lower pension contributions Applying NI to pension incomes also seems hard to implement as people would be paying NI twice.  The most likely option seems to be charging NI on earned income over age 65.   Increases to mandatory auto-enrolment contributions  Pension adequacy is clearly highly relevant to the Government given it is the focus of the second phase of its Pension Review – which we are yet to see light of.  Mandating larger contributions from employees and employers is seen as key to ensuring people are building up enough savings to ensure a good standard of living in retirement as Defined Contribution pensions take centre stage With the long-term affordability of the State Pension still a matter of debate this is an issue that is likely to become increasingly pressing for governments of all colours.  Any changes to auto-enrolment will surely be contained within the second phase of the Pensions Review focused on adequacy.  Always on the hunt for a rabbit the Chancellor could pull out the hat a tax on investment returns targeted at wealthier pensioners may be an option Exempting certain assets such as UK equities or UK private equity may be a way for the Treasury to stimulate its productive investment regime while raising money from a) those not of working age and b) those with the broadest shoulders.  Would create a lot of disquiet after means-testing winter fuel payments.   Welcome to Pensions Expert. 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Read our policy Fiduciary duty and climate change – where we stand By Nick Reeve2025-02-11T00:00:00+00:00 The gender pension gap in defined contribution (DC) pension schemes is growing and will continue to grow without action Consultancy group Broadstone’s latest Wealth & Assets Survey found that there was a “notably smaller proportion of women” who were paying into a workplace DC pension fund It means that the gender pension gap – the difference in median pension savings between men and women – persists and may grow due to “structural issues” Roughly a quarter (23%) of men aged over 16 surveyed by Broadstone said they were actively contributing to a workplace DC pension 19% of women aged over 16 were saving into a workplace DC pension and the median pot size was just £5,000.  This gap was most pronounced in the 35-44 age group A quarter (25%) of women in this age group contribute to a DC pension The median pension pot size was £12,000 for men and just £6,700 for women.  Rosa Wright and Bethel Kyeza from the Pensions Policy Institute explored the many barriers and issues affecting women’s ability to save for retirement in this article for Pensions Expert published in August. Read more Separate research by Interactive Investor has found that the gender pension gap has risen from 25% in 2016 to 46% in 2022 for those aged 45-54 based on data from the Office for National Statistics (ONS).  women on average have a pension pot that is £89,000 less than men While automatic enrolment has brought millions of people into pension saving for the first time ONS pension wealth data shows that 8.7 million women still have no pension savings senior manager at Interactive Investor, said the ONS data showed that “auto-enrolment alone isn’t enough to bridge the gap”.  “Women still face multiple and systemic hurdles when it comes to building pension wealth,” she said adding that efforts to close the gender pay gap had “fallen short” in relation to pension savings.  “The wealth divide is even larger than the income gap because wealth compounds over decades,” Esmund said “Even a small income gap early in a career can translate into a massive wealth gap by retirement.”  it “accelerates rapidly” so that men aged 55-64 have almost three times as much in their DC savings than women.  The consultancy cited research from the Pensions Policy Institute (PPI) that found that career breaks due to childcare were a “key driver” of the gender pension gap women are more likely to take lower paid or part-time roles which reduces the amount they can save for a pension This can also damage their ability to progress to higher paid roles in the future.  “It’s also vital that women have access to tailored financial advice and planning tools to navigate career gaps and understand the importance of early saving in improving retirement outcomes.” The PPI estimated that such career patterns can cut women’s pension wealth by 47% and Broadstone’s data reflected this finding.  The company acknowledged that its survey focused on workplace DC pension schemes so did not reflect savings in personal pensions or defined benefit arrangements.  Broadstone maintained that the survey still showed “broader structural issues that are contributing to pension inequality in the workplace”.  workplace engagement consultant at Broadstone said: “Employers can play an important role by offering greater flexibility around pension contributions during career breaks while policymakers should explore solutions such as enhanced parental leave policies and better support for returners to the workforce.   “It’s also vital that women have access to tailored financial advice and planning tools to navigate career gaps and understand the importance of early saving in improving retirement outcomes.  “Employers can support this by offering financial education that helps female employees plan for any career breaks and take proactive steps to close any savings gaps.” Site powered by Webvision Cloud Broadstone has outlined four main actions for insurers in response to the Prudential Regulation Authority’s (PRA) upcoming changes to solvent exit planning as detailed in the recent consultation CP2/24 clarifying new expectations for insurers on solvent exit planning The proposed changes aim to support insurers in identifying early exit requirements and communication throughout the exit process Insurers will be expected to undertake a Solvent Exit Analysis (SEA) which must be reported on and updated regularly This new requirement is expected to support orderly exits with minimal market disruption and without reliance on insolvency or resolution processes The consultation period concluded in April 2024 and the final PRA Policy Statement is anticipated in H2 2024 This timeline leaves insurers under 15 months to prepare for compliance with the new requirements including recommended preparatory actions termed “no regrets” activities Broadstone advises insurers to focus on four key areas to align with the PRA’s proposed changes insurers should evaluate the effectiveness of current risk frameworks and recovery and resolution mechanisms This includes examining whether existing trigger points for management actions are sufficient for detecting when a solvent exit might be necessary or whether additional indicators are needed The SEA will likely require dedicated resources to ensure its accuracy and ongoing management potentially impacting other routine activities Broadstone also notes that effective SEAs require clear governance structures including a senior manager responsible for SEA preparation Stakeholders across the business must be informed about solvent exit planning ensuring alignment and understanding of solvent exit indicators and monitoring protocols These governance frameworks are expected to support the development and implementation of a Solvent Exit Execution Plan (SEEP) Read More: PRA to lower supervisory interaction with Lloyd’s managing agents Insurers should also account for both financial and non-financial resources needed for a solvent exit This includes strategies for communication with customers as well as evaluating potential operational impacts on suppliers and other third parties Financial considerations should cover key metrics such as solvency coverage and liquidity positions The PRA also expects firms to validate their SEAs through internal audit or external assurance processes A senior manager will oversee the SEA’s preparation with board-level approval required to ensure the SEA is rigorously challenged within the company’s governance framework emphasised that the impending Q4 2025 implementation leaves less than 15 months for firms to prepare for compliance including reviewing their existing suite of recovery and resolution plans and producing a suitable Solvent Exit Analysis to satisfy internal governance processes and ultimately the regulator,” Tweedie said Tweedie said firms can take proactive measures including “reviewing their existing suite of recovery and resolution plans and producing a suitable Solvent Exit Analysis to satisfy internal governance processes.” Please feel free to share your comments below Broadstone Net Lease (BNL) demonstrated robust financial health by reporting adjusted funds from operations (AFFO) of $71.8 million This performance underscores the company's strategic focus on expanding its portfolio through targeted acquisitions and developments A notable highlight is the $78.2 million collaboration with Prologis aimed at strengthening future revenue streams particularly in the industrial property sector Furthermore, based on assessments from 10 brokerage firms, Broadstone Net Lease Inc (BNL, Financial) holds an average brokerage recommendation of 2.4 placing it in the "Outperform" category This rating operates on a scale from 1 to 5 with 1 indicating a Strong Buy and 5 a Sell Investors should interpret this as a positive sentiment from the brokerage community towards BNL's growth prospects By leveraging strategic partnerships and focusing on high-yield assets Broadstone Net Lease is poised to maintain its growth trajectory The company's strategic investments and favorable analyst evaluations present a compelling case for investors considering BNL as a valuable addition to their portfolios Events & Entertainment, Ringwood, Spotlight On | Posted on December 6th, 2024 | return to news Christmas events across the region due to take place this weekend have been cancelled over stormy weather risks has been cancelled due to weather concerns The Furlong shopping centre in Ringwood has cancelled its Christmas shopping weekend event as many of the activities planned were due to take place outside Storm Darragh is due to hit the UK this weekend with the MET office issuing a red weather warning for parts of the country indicating a high likelihood of damage and disruption indicating a chance of damage to buildings and a likelihood of roads and bridges being forced to close the organisers of the parade announced on Friday the decision to cancel the planned festive event organisers said: “Given the forecast for Saturday we have had to make the difficult decision to cancel this year’s Broadstone Christmas Parade “There is a yellow weather warning with winds gusting at over 60mph throughout the entire period that the parade would be on A yellow warning for wind would also almost certainly invalidate our insurance and that is not a risk we can afford to take where people’s safety is concerned.” which was also planned to feature several market stalls “Thank you for all of your help and support as always Bad UK weather has already disrupted some Christmas events the planned Christchurch Christmas Lights Switch On event in late November was forced to cancel at late notice Events & Entertainment | Posted on March 4th, 2025 | return to news and ahead of this a care home in Broadstone is to host a T-shirt making session for residents will open its doors for the unique event on Friday 14 March where participants can create their very own ‘hug T-shirts’ using paint and their own bodies to transfer the imprinted embrace of a loved one onto their garment those taking part will paint their arms with a swirl of colours before hugging their chosen partner The creative session will also encourage cognitive engagement and emotional wellbeing giving residents and community members the chance to build relationships with one another in a fun – and delightfully messy – environment home manager said: “Our wonderful T-shirt making workshop will truly fill the home with love while having many extra benefits for everyone involved “Crafts and other physical activities often utilise repetitive and tactile actions which can be particularly calming and accessible for those living with dementia “It will be fantastic to welcome members of the Poole community to share in our workshop and create special keepsakes to remind them they are loved Participants are asked to book in advance and bring their own white T-shirts to the session To book a spot at the event, please contact customer relations manager Caroline Hearne on 01202 069 835, email caroline.hearne@careuk.com or visit careuk.com/the-potteries an independent financial services consultancy announces the appointment of Dalbir Singh as an actuarial director With nearly 20 years of experience in the pensions industry Dalbir brings a wealth of expertise and a proven track record of delivering strategic advice to trustee and corporate clients Singh provides a holistic perspective and a broad range of experience advising schemes ranging from £15m to £15 bn with a variety of governance structures at different stages of their journey He joins Broadstone from WTW and in his new role will manage a portfolio of Scheme Actuary clients Singh will be based across both Broadstone’s newly opened central Birmingham office and the established Redditch office where he will play a vital role in the continued development and expansion of Broadstone’s services said: “It’s an exciting time to join the expanding Broadstone team especially with the recent opening of our Birmingham office The continued growth in the Consulting and Actuarial division is a testament to the value of the Broadstone proposition and the strength of our local team “Broadstone’s commitment to delivering expert advice and innovative solutions aligns perfectly with my professional values and goals I’m confident that my experience in the sector will add value to our clients as they navigate the ever-evolving regulatory pensions landscape and the wide range of scheme end-games available.” Birmingham-headquartered ITG has announced two new managing partner appointments have appointed industry veterans Rachel Johnson and Kate Regan as managing partners to drive their focus on content delivery for leading brands and retailers around the world The move sees Johnson promoted from business unit director and Regan join the company from ARIAN GmbH said: “Having worked with major brands throughout their careers Rachel and Kate both have a real understanding of the current challenges faced by businesses around content production at scale Adding their unique skillsets to our senior team means we can support even more clients to deliver the engaging agile content they need to not only meet demand on every channel but to grow their business and reduce marketing costs.” Johnson has worked with brands including LEGO helping them to simplify their marketing processes embrace collaboration and deliver more relevant New hire Kate Regan has worked in the marketing communications industry for over 20 years with experience in client services across Europe and the US Consistently at the forefront of day-to-day client and business requirements as managing partner at ITG she will be firmly focused on simplifying brands’ complex marketing operations to drive meaningful efficiencies Swinand added: “ITG’s four pillars unite technology production and creativity in a way that’s unique in this industry enabling us to translate our clients’ hero concepts into engaging halo content at scale Rachel and Kate are both inspirational leaders that will be key in delivering our halo content proposition to a wider array of global brands while helping our existing clients to maximise their benefits.” Strategic advisory and investment specialists Heligan Group has appointed Ramesh Jassal as lead strategic partner in Healthcare Jassal has joined Heligan Group from Clearwater International where he was a senior director and spent 15 years setting up and developing its UK and International Healthcare sector platform Ramesh is a M&A professional and has overseen 50+ domestic and international transactions with an aggregate value of £3.5bn He is focused on driving business development and developing client relationships with owner managed businesses specialising in supporting on a range of domestic and cross-border transactions including acquisitions private equity investment and the sale of non-core divisions Jassal said: “I’m really excited to be joining as a Partner to lead the Healthcare coverage for an established motivated and growing business like Heligan Group This is a significant milestone in my career to be given the opportunity to build a healthcare platform especially in an anti-cyclical healthcare sector that is experiencing a sustained growth period I look forward to working with Heligan Group’s clients to achieve excellent results through best-in-class sector advice.” With over two decades of experience in the healthcare industry Ramesh Jassal began his career as a senior research scientist at a leading life sciences company After gaining substantial expertise in research he transitioned into the commercial sector working for a major private equity firm for five years he shifted his focus to healthcare M&A by joining a corporate finance firm where he honed his skills and established a robust network within the healthcare sector working with small to medium-sized enterprises as well as multinational corporations and financial investors Email: [email protected] Email: [email protected] Smart Pension forms partnership with Mobius Life Triennial valuations occurring against backdrop of change