Defined benefit consolidation

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href="https://www.isio.com/what-we-do/pensions/db-consolidation/">DB consolidation</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/settlement/">Insurance & risk settlement</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/regulatory-risk-rectification/">Pension remediation</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/operational-solutions/">Operational solutions</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/hr-and-pensions-ma/">HR and pensions M&A</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/covenant-solutions/">Covenant solutions</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/pensions/" class="view-all-link">All pensions services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/strategic-benefit-design/">Strategic benefit design</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/risk-and-healthcare/">Risk & healthcare</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/benefits-technology/">Benefits technology</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/employee-support-and-financial-wellbeing/">Employee support & financial wellbeing</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/pay-modelling/">Pay modelling</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/benefits/" class="view-all-link">All benefits services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/private-capital/">Private Capital</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/dc-investment/">DC investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/db-investment/">DB investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/liability-hedging-and-ldi/">Liability hedging & LDI</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/investment-manager-research/">Investment manager research </a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/sustainable-investment/">Sustainable investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/fiduciary-management-oversight/">Fiduciary management oversight</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/buy-ins-and-buy-outs/">Buy-ins and buy-outs</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/i-flo/">i-FLO</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/investment/" class="view-all-link">All investment services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/wealth-management/">Wealth management</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/member-advice/">Member advice</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/wealth/" class="view-all-link">All wealth services</a> </div> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/solutions/">Solutions for you</a></div> <section class="mega-menu hidden bg-brandGreen text-white shadow-lg"> <div> <div class="container"> <div class="grid grid-cols-4 gap-20"> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Trustees</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Collaborative, clear advice to power informed and effective decision-making.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/trustees/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Employers</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Strategic solutions for employers with ambition.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/employers/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Individuals</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Building a better financial future for everyone.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/individuals/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Are you a pension scheme member?</div> <p class="text-base">If you are a member of a pension scheme or you are looking for information about your pension, please visit YourIsio.com</p> <div class="pt-5 mt-auto"> <a href="https://www.yourisio.com/" class="text-base pt-2 small-arrow arrow-white underline">Visit YourIsio.com</a> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/digital/">Digital services</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Digital services</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Solutions that combine deep pensions expertise with digital prowess.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-product-development/">Digital product development</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/data-services/">Data services</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-transformation-and-change/">Digital transformation and change</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/member-engagement/">Member engagement</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/quantitative-development-services/">Quantitative development services</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-custom menu-item-object-custom'><div class="relative flex items-center h-full menu-link-wrapper"><a href="/insights">Insights</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Insights</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">The big issues facing our industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/us-election-result-what-does-this-mean-for-markets-and-investors/">US election result: what does this mean for markets and investors?</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/">The key takeaways from a highly anticipated Budget</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/lgps-england-wales-low-risk-funding-index-30-september-2024-results/">LGPS (England & Wales) Low-Risk Funding Index: 30 September 2024 results</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-acquires-k3-advisory-to-bolster-risk-settlement-capabilities/">Isio acquires K3 Advisory to bolster risk settlement capabilities</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-londons-entry-into-the-bulk-annuity-market/">Get your benefits right or risk losing top talent</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/2024/02/29/outpacing-change/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="187" src="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png" class="w-full h-full object-cover" alt="" decoding="async" fetchpriority="high" srcset="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png 366w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-300x153.png 300w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1024x523.png 1024w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-768x392.png 768w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1536x784.png 1536w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-720x368.png 720w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-95x49.png 95w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-354x181.png 354w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-980x500.png 980w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-170x87.png 170w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail.png 1735w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">post</span> <span class="text-base 2xl:text-lg pl-6 text-black">Outpacing change</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/2024/02/29/outpacing-change/">Outpacing change</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/about-us/">About us</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Find out more about Isio</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">An industry-leading challenger, providing Pensions, Benefits, Investment and Wealth services – ensuring better outcomes for our clients.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/client-success-stories/">Client success stories</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/">News</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="153" src="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg 1920w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-300x125.jpg 300w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1024x427.jpg 1024w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-768x320.jpg 768w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1536x640.jpg 1536w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/">Maximising value from employee benefits</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/our-people/">Our people</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Meet our amazing teams</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Leading the way to a better, more progressive pensions industry.</p> </div> <div 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prose prose-neutral max-w-none prose-a:text-primary"> <section class=" bg-brandGreen "> <div class="page-header relative bg-no-repeat no-header-image "> <div class="container pb-14 pt-5 md:pt-14 lg:py-0 relative flex h-full items-center "> <div class="breadcrumb hidden lg:block absolute top-3.5 "> <span><span class="bc-link"><a href="https://www.isio.com/">Home</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/what-we-do/">What we do</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/what-we-do/pensions/">Pensions</a></span> <span class="bc-seperator">»</span> <span class="breadcrumb_last" aria-current="page">DB consolidation</span></span> </div> <div class="max-w-[600px] text-white flex-col text-left pt-16 pb-8 lg:pt-28 lg:pb-20"> <div class="headings flex flex-col-reverse gap-2"> <h1 class="mb-4 h1"> Defined benefit consolidation </h1> </div> <p class="text-xl lg:text-2xl;">Helping sponsors and trustees run schemes more efficiently.</p> </div> </div> </div> </section> <section class="text-wrapper text-block full-width "> <div class="container"> <div class="acf-innerblocks-container"> <div class="wp-block-columns are-vertically-aligned-top is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow"> <h2 class="wp-block-heading" id="h-everything-that-your-scheme-needs"><strong><strong><strong><strong>Everything that your scheme needs</strong></strong></strong></strong></h2> </div> <div class="wp-block-column is-vertically-aligned-top pt-3.5 is-layout-flow wp-block-column-is-layout-flow"> <p>DB pensions are complex, and often time consuming for sponsors and trustees. More and more schemes are looking to alleviate the burden by moving away from traditional governance and operational models – whether that’s by appointing a professional trustee or looking at other bundled solutions.</p> <p>Isio is proud to be at the forefront of Defined Benefit (DB) operational consolidation. Our award-winning solutions are now approaching £3bn of assets, having been running for over 7 years. With this scale we are helping clients save time and cost running their DB schemes.</p> </div> </div> </div> </div> </section> <section class="pullout-bar"> <div class="bar borderBoth"> <div class="tile animate-me transparent move-up step-1"> <div class="img_wrap"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/Handshake.png" alt="Icon goes here"> </div> <div class="content_wrap"> <p>£1bn+ buying power</p> </div> </div> <div class="tile animate-me transparent move-up step-2"> <div class="img_wrap"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/Moneysave-e1701704394300.png" alt="Icon goes here"> </div> <div class="content_wrap"> <p>Reduced time and lower costs</p> </div> </div> <div class="tile animate-me transparent move-up step-3"> <div class="img_wrap"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/Building-e1700566930172.png" alt="Icon goes here"> </div> <div class="content_wrap"> <p>Efficient access to investment markets</p> </div> </div> <div class="tile animate-me transparent move-up step-4"> <div class="img_wrap"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/Bank.png" alt="Icon goes here"> </div> <div class="content_wrap"> <p>Improved member security</p> </div> </div> </div> </section> <div style="height:100px" aria-hidden="true" class="wp-block-spacer"></div> <section class="text-wrapper text-block full-width "> <div class="container"> <div class="acf-innerblocks-container"> <section class="two-column-text-media-wrapper max-w-[1920px] mx-auto text-block bg-transparent noS text-left"> <div class="two-column-text-media md:container md:flex-row-reverse mediaCover flex items-center"> <div class="media-wrapper animate-me md:move-up md:transparent squared"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/AdobeStock_509490365_LOWRES.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGreen-100 mb-2">The Enplan Pension Platform</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p>Enplan is our one-stop-shop platform solution for operating DB pension schemes. It reduces time and costs, and enhances governance with a professional sole trustee.</p> </div> <a href="https://www.isio.com/enplan/" class="btn-primary ">Explore Enplan</a> </div> </div> </section> <section class="two-column-text-media-wrapper max-w-[1920px] mx-auto text-block bg-transparent noS text-right"> <div class="two-column-text-media md:container md:flex-row mediaCover flex items-center"> <div class="media-wrapper animate-me md:move-up md:transparent squared"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/AdobeStock_479517298_LOWRES.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGreen-100 mb-2">The Pensions Master Plan</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p>The Pensions Master Plan is our Master Trust solution for reducing DB scheme costs while retaining your current trustees.</p> </div> <a href="https://www.isio.com/what-we-do/pensions/db-consolidation/master-plan/" class="btn-primary ">Explore Master Plan</a> </div> </div> </section> </div> </div> </section> <section class="bg-brandGrey-100 py-12 lg:py-28 "> <div class="sm:container"> <div class="heading text-center mx-5 sm:mx-0"> <h2 class="text-brandGreen-100 font-semibold text-4xl md:text-5xl mb-14">Listen to our experts’ deep dive conversation into DB operational consolidation</h2> </div> <div class="videoWrapper"> <iframe loading="lazy" title="Operational consolidation – in conversation with Andrew Goddard and Alex McClelland" src="https://player.vimeo.com/video/923015325?dnt=1&app_id=122963" width="889" height="500" frameborder="0" allow="autoplay; fullscreen; picture-in-picture; clipboard-write"></iframe> </div> <div class="container py-16 grid grid-cols-2 md:grid-cols-4 gap-8"> </div> </div> </section> <section class="audience_block--five bg-brandGreen-100 mb-20"> <div class="grid md:grid-cols-3"> <div class="md:col-span-2 bg-no-repeat bg-cover" style="background-image: url('https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091.png');"> </div> <div class="py-24 px-8"> <h3 class="text-base font-semibold uppercase mb-4"><a href="#">Insight</a></h3> <h2 class="text-2xl text-white mb-4">Counting the costs. How operational consolidation helps DB schemes achieve better outcomes.</h2> <p class="text-white mb-7 text-lg font-medium">Keeping control of pension scheme running costs can be challenging for trustees and employers. The amount a DB scheme pays will vary depending on its design and complexity – with some costs more obvious than others – so understanding what you are paying is the first step in keeping costs down. Trustees and their advisers, working together, can enable the schemes in their care achieve better outcomes at lower costs. Could operational consolidation help you and your scheme?</p> <a class="mb-7 btn-primary btn-white " href="https://www.isio.com/insights/counting-the-costs-how-operational-consolidation-helps-db-schemes-achieve-better-outcomes/">Read more</a> </div> </div> </section> <section class="insight-slider no-quote py-16 md:py-32 overflow-hidden bg-white"> <div class="container"> <h2 class="text-brandGreen text-[2.875rem] md:text-7xl mb-12">Isio insights</h2> <div class=" grid grid-cols-1 lg:grid-cols-3 xl:grid-cols-4 gap-14 md:gap-20 md:mb-7"> <div class="col-span-1 lg:col-span-2 xl:col-span-3"> <div class="bg-white swiper-side"> <div class="swiper previewSwiper"> <div class="swiper-wrapper lg:pb-10"> <div class="swiper-slide w-full"> <a href="https://www.isio.com/insights/make-db-schemes-better-stronger-faster-and-simpler/"> <div class="md:hidden w-full aspect-[7/5] bg-cover" style="background-image:url(https://www.isio.com/app/uploads/2023/11/pic2.webp);"></div> <div class="relative overflow-hidden"> <img loading="lazy" decoding="async" width="943" height="514" src="https://www.isio.com/app/uploads/2023/11/pic2.webp" class="w-full aspect-[17/9] object-cover hidden md:block" alt="" srcset="https://www.isio.com/app/uploads/2023/11/pic2.webp 2464w, https://www.isio.com/app/uploads/2023/11/pic2-300x164.webp 300w, https://www.isio.com/app/uploads/2023/11/pic2-1024x558.webp 1024w, https://www.isio.com/app/uploads/2023/11/pic2-768x419.webp 768w, https://www.isio.com/app/uploads/2023/11/pic2-1536x837.webp 1536w, https://www.isio.com/app/uploads/2023/11/pic2-2048x1116.webp 2048w, https://www.isio.com/app/uploads/2023/11/pic2-720x392.webp 720w" sizes="(max-width: 943px) 100vw, 943px" /> <div class="bg-white opacity-80 px-4 absolute bottom-0 pb-0.5"> <small class="text-brandGreen uppercase">Insight</small> <small class="font-light"></small> </div> </div> <p class="text-black text-2xl mt-2 text-left">Make DB schemes better, stronger, faster… and simpler</p> <div class="swiper-lazy-preloader"></div> </a> </div> <div class="swiper-slide w-full"> <a href="https://www.isio.com/insights/operational-consolidation-in-conversation-with-andrew-goddard-and-alex-mcclelland/"> <div class="md:hidden w-full aspect-[7/5] bg-cover" style="background-image:url(https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387.jpg);"></div> <div class="relative overflow-hidden"> <img loading="lazy" decoding="async" width="802" height="514" src="https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-802x514.jpg" class="w-full aspect-[17/9] object-cover hidden md:block" alt="" srcset="https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-802x514.jpg 802w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-300x192.jpg 300w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-1024x656.jpg 1024w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-768x492.jpg 768w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-720x462.jpg 720w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-95x61.jpg 95w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-354x227.jpg 354w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-366x235.jpg 366w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387-170x109.jpg 170w, https://www.isio.com/app/uploads/2023/11/image_2023-11-17_095951735-e1700208031387.jpg 1248w" sizes="(max-width: 802px) 100vw, 802px" /> <div class="bg-white opacity-80 px-4 absolute bottom-0 pb-0.5"> <small class="text-brandGreen uppercase">Insight</small> <small class="font-light"></small> </div> </div> <p class="text-black text-2xl mt-2 text-left">Operational consolidation: in conversation with Andrew Goddard and Alex McClelland</p> <div class="swiper-lazy-preloader"></div> </a> </div> <div class="swiper-slide w-full"> <a href="https://www.isio.com/insights/counting-the-costs-how-operational-consolidation-helps-db-schemes-achieve-better-outcomes/"> <div class="md:hidden w-full aspect-[7/5] bg-cover" style="background-image:url(https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091.png);"></div> <div class="relative overflow-hidden"> <img loading="lazy" decoding="async" width="949" height="514" src="https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-949x514.png" class="w-full aspect-[17/9] object-cover hidden md:block" alt="" srcset="https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-949x514.png 949w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-300x163.png 300w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-1024x555.png 1024w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-768x416.png 768w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-1536x832.png 1536w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-2048x1109.png 2048w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-720x390.png 720w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-95x51.png 95w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-354x192.png 354w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-366x198.png 366w, https://www.isio.com/app/uploads/2023/12/Untitled-design-2023-12-06T203431.091-170x92.png 170w" sizes="(max-width: 949px) 100vw, 949px" /> <div class="bg-white opacity-80 px-4 absolute bottom-0 pb-0.5"> <small class="text-brandGreen uppercase">Insight</small> <small class="font-light"></small> </div> </div> <p class="text-black text-2xl mt-2 text-left">Counting the costs. How operational consolidation helps DB schemes achieve better outcomes.</p> <div class="swiper-lazy-preloader"></div> </a> </div> </div> </div> </div> </div> </div> <div class="flex flex-col gap-y-6 lg:flex-row items-center justify-center relative"> <div class="flex gap-6 mt-6 lg:mt-0 lg:ml-auto lg:absolute lg:right-[25%] xl:right-[26%]"> <div class="insight-slider-prev"> <svg xmlns="http://www.w3.org/2000/svg" width="35" height="35" viewBox="0 0 35 35" class="fill-none stroke-brandGreen"> <path d="M0.499998 17.5C0.499999 8.11116 8.11116 0.500001 17.5 0.500002C26.8888 0.500003 34.5 8.11116 34.5 17.5C34.5 26.8888 26.8888 34.5 17.5 34.5C8.11116 34.5 0.499997 26.8888 0.499998 17.5Z" /> <path d="M20.5234 9.95312L13.5234 16.9531L20.5234 23.9531" stroke-width="1.5" stroke-linecap="square" /> </svg> </div> <div class="insight-slider-next"> <svg xmlns="http://www.w3.org/2000/svg" width="35" height="35" viewBox="0 0 35 35" class="fill-none stroke-brandGreen"> <path d="M0.499998 17.5C0.499999 8.11116 8.11116 0.500001 17.5 0.500002C26.8888 0.500003 34.5 8.11116 34.5 17.5C34.5 26.8888 26.8888 34.5 17.5 34.5C8.11116 34.5 0.499997 26.8888 0.499998 17.5Z" /> <path d="M14.5703 23.8574L21.5703 16.8574L14.5703 9.85742" stroke-width="1.5" stroke-linecap="square" /> </svg> </div> </div> <a class="btn-primary mt-6 md:mt-0" href="https://www.isio.com/insights/">View all</a> </div> </div> </section> <section class="bg-grey-dient"> <div class="pt-20"> <div class="container grid md:grid-cols-2 md:gap-36"> <div> <h2 class="text-brandGreen-100 text-[2.875rem] font-semibold mb-12 leading-[4.25rem] md:text-[4.75rem]">Key people </h2> </div> <div> <p class="text-black text-[1.1875rem] font-normal mb-4"></p> </div> </div> </div> <div x-data="{ selectedPerson: null }" class="hidden md:block container xl pt-16 pb-10"> <div class="flex flex-row"> <div class="basis-3/4"> <div class="grid grid-cols-2 xl:grid-cols-4 gap-2"> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '1371') ? null : { nameSurname: 'Andrew Goddard', jobTitle: 'Partner & Head of Enplan', about: '', phoneNumber: '', email: 'andrew.goddard@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Andrew-Goddard.jpg', link: 'https://www.isio.com/person/andrew-goddard/' }"> <img decoding="async" class="h-44 w-44 object-cover rounded-full max-w-none hover:border-8 hover:border-brandGreen transition duration-5 00" :class="{ 'border-8 border-brandGreen': (selectedPerson && selectedPerson.nameSurname === '1371') || (!selectedPerson && '1371' === '1371') }" src="https://www.isio.com/app/uploads/2023/11/Andrew-Goddard.jpg" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Andrew Goddard</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Partner & Head of Enplan</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '3380') ? null : { nameSurname: 'Brian Flannery', jobTitle: 'Senior Consultant & Head of Enplan Business Development', about: '', phoneNumber: '', email: 'brian.flannery@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Brian-Flannery.jpg', link: 'https://www.isio.com/person/brian-flannery/' }"> <img decoding="async" class="h-44 w-44 object-cover rounded-full max-w-none hover:border-8 hover:border-brandGreen transition duration-5 00" :class="{ 'border-8 border-brandGreen': (selectedPerson && selectedPerson.nameSurname === '3380') || (!selectedPerson && '1371' === '3380') }" src="https://www.isio.com/app/uploads/2023/11/Brian-Flannery.jpg" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Brian Flannery</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Senior Consultant & Head of Enplan Business Development</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '3392') ? null : { nameSurname: 'Paul Yates', jobTitle: 'Director & Head of Master Plan', about: '', phoneNumber: '', email: 'Paul.Yates@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Paul-Yates.jpg', link: 'https://www.isio.com/person/paul-yates/' }"> <img decoding="async" class="h-44 w-44 object-cover rounded-full max-w-none hover:border-8 hover:border-brandGreen transition duration-5 00" :class="{ 'border-8 border-brandGreen': (selectedPerson && selectedPerson.nameSurname === '3392') || (!selectedPerson && '1371' === '3392') }" src="https://www.isio.com/app/uploads/2023/11/Paul-Yates.jpg" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Paul Yates</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Director & Head of Master Plan</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '3386') ? null : { nameSurname: 'Mark McClintock', jobTitle: 'Partner', about: '', phoneNumber: '', email: 'Mark.Mcclintock@isio.com', image: 'https://www.isio.com/app/uploads/2023/10/Remove-background-project-24.png', link: 'https://www.isio.com/person/mark-mcclintock/' }"> <img decoding="async" class="h-44 w-44 object-cover rounded-full max-w-none hover:border-8 hover:border-brandGreen transition duration-5 00" :class="{ 'border-8 border-brandGreen': (selectedPerson && selectedPerson.nameSurname === '3386') || (!selectedPerson && '1371' === '3386') }" src="https://www.isio.com/app/uploads/2023/10/Remove-background-project-24.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Mark McClintock</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Partner</p> </div> </div> </div> <div class="basis-1/4"> <div class="text-black transition-opacity duration-500"> <img class="h-72 w-72 mx-auto rounded-full max-w-none mb-5 object-cover" x-bind:src="selectedPerson ? selectedPerson.image : 'https://www.isio.com/app/uploads/2023/11/Andrew-Goddard.jpg'" alt="Image"> <strong class="text-brandGreen-100 text-[1.175rem] font-medium" x-text="selectedPerson ? selectedPerson.nameSurname : 'Andrew Goddard'"> </strong> <p class="text-black text-lg font-light mb-2" x-text="selectedPerson ? selectedPerson.jobTitle : 'Partner & Head of Enplan'"></p> <p class="text-black mb-3" x-text="selectedPerson ? selectedPerson.about : ''"></p> <p class="text-black text-lg font-light" x-text="selectedPerson ? selectedPerson.phoneNumber : ''"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light" x-bind:href="selectedPerson ? 'mailto:'+selectedPerson.email : 'mailto:andrew.goddard@isio.com'" x-text="selectedPerson ? selectedPerson.email : 'andrew.goddard@isio.com'"></a> <a x-bind:href="selectedPerson ? selectedPerson.link : 'https://www.isio.com/person/andrew-goddard/'" class="btn-primary mt-10"> See full profile</a> </div> </div> </div> </div> <div class="hidden md:block container text-center pt-5 md:pb-40"> <a class=" mx-auto btn-primary " href="/our-people">Our people</a> </div> </section> <section class="md:hidden bg-grey-dient pt-10"> <div class="container quoteSwiper overflow-hidden"> <div class="swiper relative"> <div class="swiper-wrapper mb-20"> <div class="swiper-slide"> <div class="md:flex items-center md:gap-24 md:w-2/3"> <div> <img decoding="async" class="h-60 w-60 object-cover rounded-full max-w-none mx-auto mb-5" src="https://www.isio.com/app/uploads/2023/11/Andrew-Goddard.jpg" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Andrew Goddard</strong> <p class="text-left text-black">Partner & Head of Enplan</p> <p class="text-left text-black"></p> <p class="text-left text-black"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light text-left" href="mailto:andrew.goddard@isio.com">andrew.goddard@isio.com</a> <a href="https://www.isio.com/person/andrew-goddard/" class="btn-primary mt-8 lg_hidden"> See full profile</a> </div> </div> </div> <div class="swiper-slide"> <div class="md:flex items-center md:gap-24 md:w-2/3"> <div> <img decoding="async" class="h-60 w-60 object-cover rounded-full max-w-none mx-auto mb-5" src="https://www.isio.com/app/uploads/2023/11/Brian-Flannery.jpg" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Brian Flannery</strong> <p class="text-left text-black">Senior Consultant & Head of Enplan Business Development</p> <p class="text-left text-black"></p> <p class="text-left text-black"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light text-left" href="mailto:brian.flannery@isio.com">brian.flannery@isio.com</a> <a href="https://www.isio.com/person/brian-flannery/" class="btn-primary mt-8 lg_hidden"> See full profile</a> </div> </div> </div> <div class="swiper-slide"> <div class="md:flex items-center md:gap-24 md:w-2/3"> <div> <img decoding="async" class="h-60 w-60 object-cover rounded-full max-w-none mx-auto mb-5" src="https://www.isio.com/app/uploads/2023/11/Paul-Yates.jpg" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Paul Yates</strong> <p class="text-left text-black">Director & Head of Master Plan</p> <p class="text-left text-black"></p> <p class="text-left text-black"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light text-left" href="mailto:Paul.Yates@isio.com">Paul.Yates@isio.com</a> <a href="https://www.isio.com/person/paul-yates/" class="btn-primary mt-8 lg_hidden"> See full profile</a> </div> </div> </div> <div class="swiper-slide"> <div class="md:flex items-center md:gap-24 md:w-2/3"> <div> <img decoding="async" class="h-60 w-60 object-cover rounded-full max-w-none mx-auto mb-5" src="https://www.isio.com/app/uploads/2023/10/Remove-background-project-24.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Mark McClintock</strong> <p class="text-left text-black">Partner</p> <p class="text-left text-black"></p> <p class="text-left text-black"></p> <a class="text-brandGreen-100 block hover:underline text-lg font-light text-left" href="mailto:Mark.Mcclintock@isio.com">Mark.Mcclintock@isio.com</a> <a href="https://www.isio.com/person/mark-mcclintock/" class="btn-primary mt-8 lg_hidden"> See full profile</a> </div> </div> </div> </div> <div class="swiper-button-next right-[35%] md:right-[45%] -bottom-[75px] top-auto"></div> <div class="swiper-button-prev left-[35%] md:left-[48%] -bottom-[75px] 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Defined benefit consolidation - Isio