The DC retirement income trade-off: security vs flexibility

This breakfast event runs from 9am to 10.30am.

Speakers:

• Rhys Williams, Director at Quietroom
• Esther Hawley, Head of Retirement Proposition at Standard Life
• Garry Latimer, Investment Director at Standard Life

Our speakers will share the latest thinking on how the industry can better support members as they approach retirement, and how more targeted solutions could improve outcomes. We’ll also look at what changes in the regulatory landscape – including Guided Retirement and Targeted Support – might mean in practice.

We’ll cover:

• the main trade-offs members face when turning DC savings into income
• what “good” support looks like for members approaching retirement
• how Guided Retirement and Targeted Support could shape decisions and communications
• how targeted investment solutions can lead to better outcomes
• what trustees can do now to prepare for what’s next

Esther Hawley
Esther is an actuary with 20+ years’ experience in pensions. She joined Standard Life in 2022 and focuses on improving the support and solutions available to people retiring with DC savings. She previously advised schemes at Barnett Waddingham, and since 2018 has chaired an IFoA working party exploring how the industry can improve post-retirement products.

Garry Latimer
Garry leads strategic innovation and go-to-market for Standard Life’s investment solutions. He joined in 2019 to help redesign its workplace investment proposition, including a low-cost workplace default, Investment Pathways and a Sustainable Multi Asset option. He previously held senior roles at M&G Prudential and Aegon, including leading digital propositions and retail proposition development.