The key takeaways from a highly anticipated Budget

<!doctype html> <html lang="en-GB"> <head>  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-TKG8ZXC');</script>  <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1"> <link rel="profile" href="https://gmpg.org/xfn/11">  <script type="text/javascript" id="hs-script-loader" async defer src="//js-eu1.hs-scripts.com/27065597.js"></script>  <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' />  <title>The key takeaways from a highly anticipated Budget - Isio</title><link rel="preload" data-rocket-preload as="image" href="https://www.isio.com/app/themes/isio/theme/images/bg-page-header-right.png" fetchpriority="high"> <link rel="canonical" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/" /> <meta property="og:locale" content="en_GB" /> <meta property="og:type" content="article" /> <meta property="og:title" content="The key takeaways from a highly anticipated Budget" /> <meta property="og:url" content="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/" /> <meta property="og:site_name" content="Isio" /> <meta property="article:modified_time" content="2024-10-31T17:47:06+00:00" /> <meta property="og:image" content="https://www.isio.com/app/uploads/2024/10/Close-up-of-people-discussing-papers-1.jpg" /> <meta property="og:image:width" content="1440" /> <meta property="og:image:height" content="960" /> <meta property="og:image:type" content="image/jpeg" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:label1" content="Estimated reading time" /> <meta name="twitter:data1" content="1 minute" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebPage","@id":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/","url":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/","name":"The key takeaways from a highly anticipated Budget - Isio","isPartOf":{"@id":"https://www.isio.com/#website"},"primaryImageOfPage":{"@id":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/#primaryimage"},"image":{"@id":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/#primaryimage"},"thumbnailUrl":"https://www.isio.com/app/uploads/2024/10/Close-up-of-people-discussing-papers-1.jpg","datePublished":"2024-10-30T17:50:55+00:00","dateModified":"2024-10-31T17:47:06+00:00","breadcrumb":{"@id":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/#primaryimage","url":"https://www.isio.com/app/uploads/2024/10/Close-up-of-people-discussing-papers-1.jpg","contentUrl":"https://www.isio.com/app/uploads/2024/10/Close-up-of-people-discussing-papers-1.jpg","width":1440,"height":960,"caption":"Business adviser analyzing financial figures denoting the progress in the work of the company, Business Discussion Concept"},{"@type":"BreadcrumbList","@id":"https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.isio.com/"},{"@type":"ListItem","position":2,"name":"Insights","item":"https://www.isio.com/insights/"},{"@type":"ListItem","position":3,"name":"The key takeaways from a highly anticipated Budget"}]},{"@type":"WebSite","@id":"https://www.isio.com/#website","url":"https://www.isio.com/","name":"Isio","description":"","publisher":{"@id":"https://www.isio.com/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://www.isio.com/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https://www.isio.com/#organization","name":"Isio","url":"https://www.isio.com/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https://www.isio.com/#/schema/logo/image/","url":"https://www.isio.com/app/uploads/2023/08/logo-1.png","contentUrl":"https://www.isio.com/app/uploads/2023/08/logo-1.png","width":120,"height":59,"caption":"Isio"},"image":{"@id":"https://www.isio.com/#/schema/logo/image/"}}]}</script>  <link rel='dns-prefetch' href='//cdn.jsdelivr.net' /> <link rel='dns-prefetch' href='//www.isio.com' /> <link rel="alternate" type="application/rss+xml" title="Isio » Feed" href="https://www.isio.com/feed/" /> <link rel="alternate" type="application/rss+xml" title="Isio » Comments Feed" href="https://www.isio.com/comments/feed/" /> <style id='wp-emoji-styles-inline-css'> img.wp-smiley, img.emoji { display: inline !important; border: none !important; box-shadow: none !important; height: 1em !important; width: 1em !important; margin: 0 0.07em !important; vertical-align: -0.1em !important; background: none !important; padding: 0 !important; } </style> <link rel='stylesheet' id='wp-block-library-css' href='https://www.isio.com/wp/wp-includes/css/dist/block-library/style.min.css?ver=6.6.2' media='all' /> <style id='global-styles-inline-css'> :root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--background: #ffffff;--wp--preset--color--foreground: #404040;--wp--preset--color--primary: #b91c1c;--wp--preset--color--secondary: #15803d;--wp--preset--color--tertiary: #0369a1;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:root { --wp--style--global--content-size: 40rem;--wp--style--global--wide-size: 60rem; }:where(body) { margin: 0; }.wp-site-blocks > .alignleft { float: left; margin-right: 2em; }.wp-site-blocks > .alignright { float: right; margin-left: 2em; }.wp-site-blocks > .aligncenter { justify-content: center; margin-left: auto; margin-right: auto; }:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}.is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}a:where(:not(.wp-element-button)){text-decoration: underline;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;line-height: inherit;padding: calc(0.667em + 2px) calc(1.333em + 2px);text-decoration: none;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-background-color{color: var(--wp--preset--color--background) !important;}.has-foreground-color{color: var(--wp--preset--color--foreground) !important;}.has-primary-color{color: var(--wp--preset--color--primary) !important;}.has-secondary-color{color: var(--wp--preset--color--secondary) !important;}.has-tertiary-color{color: var(--wp--preset--color--tertiary) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-background-background-color{background-color: var(--wp--preset--color--background) !important;}.has-foreground-background-color{background-color: var(--wp--preset--color--foreground) !important;}.has-primary-background-color{background-color: var(--wp--preset--color--primary) !important;}.has-secondary-background-color{background-color: var(--wp--preset--color--secondary) !important;}.has-tertiary-background-color{background-color: var(--wp--preset--color--tertiary) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-background-border-color{border-color: var(--wp--preset--color--background) !important;}.has-foreground-border-color{border-color: var(--wp--preset--color--foreground) !important;}.has-primary-border-color{border-color: var(--wp--preset--color--primary) !important;}.has-secondary-border-color{border-color: var(--wp--preset--color--secondary) !important;}.has-tertiary-border-color{border-color: var(--wp--preset--color--tertiary) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;} :where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;} :where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;} :root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;} </style> <link rel='stylesheet' id='swiper-css-css' href='https://cdn.jsdelivr.net/npm/swiper@10/swiper-bundle.min.css?ver=6.6.2' media='all' /> <link rel='stylesheet' id='isio-style-css' href='https://www.isio.com/app/themes/isio/theme/style.css?ver=0.1.0' media='all' /> <link rel="https://api.w.org/" href="https://www.isio.com/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.isio.com/wp-json/wp/v2/insight/21842" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.isio.com/wp/xmlrpc.php?rsd" /> <meta name="generator" content="WordPress 6.6.2" /> <link rel='shortlink' href='https://www.isio.com/?p=21842' /> <link rel="icon" href="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-95x95.png" sizes="32x32" /> <link rel="icon" href="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-300x300.png" sizes="192x192" /> <link rel="apple-touch-icon" href="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-300x300.png" /> <meta name="msapplication-TileImage" content="https://www.isio.com/app/uploads/2024/09/Website-thumbnail-512x512-1-300x300.png" />  <script async src=https://www.googletagmanager.com/gtag/js?id=AW-11371773957></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'AW-11371773957'); </script> <meta name="generator" content="WP Rocket 3.17.2.1" data-wpr-features="wpr_oci" /></head> <body class="insight-template-default single single-insight postid-21842 wp-custom-logo wp-embed-responsive">  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-TKG8ZXC" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div id="page"> <a href="#content" class="sr-only">Skip to content</a> <header id="masthead" class="relative"> <div x-data="{ search_bar: {desktop_open: false, mobile_open: false} }" class="nav-wrapper border-b border-neutral-200 "> <div class="container md:mx-2 lg:mx-auto"> <div class=" flex justify-between md:px-0 bg-white z-50"> <div class="xl:pr-12 py-2 xl:py-6 pr-2"> <a href="https://www.isio.com/"> <img class="w-[100px] md:w-[120px] max-w-none" src="https://www.isio.com/app/themes/isio/theme/images/header-logo.png" alt="ISIO logo"> </a> </div> <div class="flex md:hidden ml-auto gap-6"> <button x-on:click="search_bar.mobile_open = ! search_bar.mobile_open"> <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" class="stroke-brandGreen w-6 h-6"> <path stroke-linecap="round" stroke-linejoin="round" d="M21 21l-5.197-5.197m0 0A7.5 7.5 0 105.196 5.196a7.5 7.5 0 0010.607 10.607z" /> </svg> </button> <button id="toggle-mobile-menu" type="button" class="-m-2.5 inline-flex items-center justify-center p-2.5 text-gray-700"> <span class="sr-only">Open main menu</span> <svg xmlns="http://www.w3.org/2000/svg" width="30" height="30" viewBox="0 0 30 14" fill="none"> <path d="M-0.000976562 1H29.999" stroke="#00BA8D" stroke-width="2"/> <path d="M-0.000976562 7H29.999" stroke="#00BA8D" stroke-width="2"/> <path d="M-0.000976562 7H29.999" stroke="#00BA8D" stroke-width="2"/> <path d="M-0.000976562 13H29.999" stroke="#00BA8D" stroke-width="2"/> </svg> </button> </div> <div class="hidden md:flex grow pr-5"> <nav x-show="!search_bar.desktop_open" id="desktop-nav" class="hidden md:flex md:flex-grow justify-center gap-x-5 xl:gap-x-3 2xl:gap-x-8"> <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/what-we-do/">What we do</a></div> <section class="mega-menu mega-menu-columns hidden"> <div> <div class="container"> <div class="mega-menu-headings grid grid-cols-4 gap-8 2xl:gap-20"> <h3 class="h3">Pensions</h3> <h3 class="h3">Benefits</h3> <h3 class="h3">Investment</h3> <h3 class="h3">Wealth</h3> </div> </div> <div class="horizontal-divider"></div> <div class="container"> <div class="grid grid-cols-4 gap-8 2xl:gap-20"> <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/pensions/defined-benefit-consulting/">DB consulting</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/dc-consulting/">DC consulting</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/pensions-administration//">Pensions administration</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/secretarial-and-outsourced-pensions/">Secretarial & outsourced pension 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/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 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/our-people/?department=13">Actuarial and consulting</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/our-people/?department=10">Pensions administration</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/our-people/?department=18">Investment advisory</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/our-people/?department=11">Reward and benefits</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/our-people/?department=19">Isio Wealth Planning</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/make-db-schemes-better-stronger-faster-and-simpler/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="199" src="https://www.isio.com/app/uploads/2023/11/pic2.webp" class="w-full h-full object-cover" alt="" decoding="async" 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: 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/make-db-schemes-better-stronger-faster-and-simpler/">Make DB schemes better, stronger, faster… and simpler</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/careers/">Careers</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">1100 people. Ten cities. One team.</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Isio is built by challengers, innovators and forward-thinkers, striving to deliver higher levels of financial confidence.</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/careers/">Our careers</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/careers/early-careers/">Early careers</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/careers/our-locations/">Our locations</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/a-positive-force-for-nature-reflecting-on-industry-developments/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="198" src="https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-366x198.png" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-366x198.png 366w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-300x163.png 300w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-1024x555.png 1024w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-768x416.png 768w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-1536x832.png 1536w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-2048x1109.png 2048w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-720x390.png 720w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-95x51.png 95w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-354x192.png 354w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-949x514.png 949w, https://www.isio.com/app/uploads/2023/12/A-positive-force-for-nature-hero-banner-170x92.png 170w" 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/a-positive-force-for-nature-reflecting-on-industry-developments/">A positive force for nature: Reflecting on industry developments</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> </nav> <div class="hidden w-full items-center" x-bind:class="{ 'search_visible lg:flex ': search_bar.desktop_open }"> <form class="w-full text-right" x-show="search_bar.desktop_open" role="search" method="get" action="https://www.isio.com/" class="w-full"> <label> <span class="hidden">Search for</span> <input type="search" class="w-1/2" value="" name="s" /> </label> <input type="submit" class="ml-5 text-lg" value="Search" /> </form> </div> </div> <div class="flex gap-4"> <button class="hidden md:block" x-on:click="search_bar.desktop_open = ! search_bar.desktop_open"> <svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor" class="w-6 h-6"> <path stroke-linecap="round" stroke-linejoin="round" d="M21 21l-5.197-5.197m0 0A7.5 7.5 0 105.196 5.196a7.5 7.5 0 0010.607 10.607z" /> </svg> </button> <div class="hidden md:flex self-center"> <a class="btn-primary" href="/contact">Contact</a> </div> </div> </div> <div class="lg:hidden container"> <div x-show="search_bar.mobile_open" class="w-full pb-6" style="display: none;"> <form class="flex gap-5 justify-between" role="search" method="get" action="https://www.isio.com/"> <label class="grow"> <span class="hidden">Search for</span> <input type="search" class="w-full" value="" name="s" /> </label> <input type="submit" class="text-lg" value="Search" /> </form> </div> </div> </div> </div> <nav id="mobile-menu" class="hidden relative overflow-x-hidden z-10 text-brandGreen"> <li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/what-we-do/">What we do</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 lg:font-bold text-black">What we do</h3> <ul> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 border-t border-neutral-200"> <a href="https://www.isio.com/what-we-do/pensions/" class="text-lg py-3 ">Pensions</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Pensions</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/defined-benefit-consulting/">DB consulting</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/dc-consulting/">DC consulting</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/pensions-administration//">Pensions administration</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/secretarial-and-outsourced-pensions/">Secretarial & outsourced pension management</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/db-consolidation/">DB consolidation</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/settlement/">Insurance & risk settlement</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/regulatory-risk-rectification/">Pension remediation</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/operational-solutions/">Operational solutions</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/hr-and-pensions-ma/">HR and pensions M&A</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/pensions/covenant-solutions/">Covenant solutions</a></li> </ul> </div> </li> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 "> <a href="https://www.isio.com/what-we-do/benefits/" class="text-lg py-3 ">Benefits</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Benefits</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/strategic-benefit-design/">Strategic benefit design</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/risk-and-healthcare/">Risk & healthcare</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/benefits-technology/">Benefits technology</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/employee-support-and-financial-wellbeing/">Employee support & financial wellbeing</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/benefits/pay-modelling/">Pay modelling</a></li> </ul> </div> </li> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 "> <a href="https://www.isio.com/what-we-do/investment/" class="text-lg py-3 ">Investment</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Investment</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/private-capital/">Private Capital</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/dc-investment/">DC investment</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/db-investment/">DB investment</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/liability-hedging-and-ldi/">Liability hedging & LDI</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/investment-manager-research/">Investment manager research </a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/sustainable-investment/">Sustainable investment</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/fiduciary-management-oversight/">Fiduciary management oversight</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/buy-ins-and-buy-outs/">Buy-ins and buy-outs</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/investment/i-flo/">i-FLO</a></li> </ul> </div> </li> <li class="has-sub-menu flex justify-between items-center pl-1 pr-6 border-b border-neutral-200 "> <a href="https://www.isio.com/what-we-do/wealth/" class="text-lg py-3 ">Wealth</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 xl:font-bold text-black">Wealth</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline" href="https://www.isio.com/what-we-do/wealth/wealth-management/">Wealth management</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline" href="https://www.isio.com/what-we-do/wealth/member-advice/">Member advice</a></li> </ul> </div> </li> </ul> </div> </li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/solutions/">Solutions for you</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Solutions for you</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"> <a class="hover:underline font-light" href="https://www.isio.com/solutions/trustees/">Trustees</a> </li> <li class="py-3 px-6 border-b border-neutral-200 "> <a class="hover:underline font-light" href="https://www.isio.com/solutions/employers/">Employers</a> </li> <li class="py-3 px-6 border-b border-neutral-200 "> <a class="hover:underline font-light" href="https://www.isio.com/solutions/individuals/">Individuals</a> </li> <li class="py-3 px-6 border-b border-neutral-200"> <a class="hover:underline font-light" href="https://www.yourisio.com/">Visit YourIsio.com</a> </li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/digital/">Digital services</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Digital services</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/digital/digital-product-development/">Digital product development</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/data-services/">Data services</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/digital-transformation-and-change/">Digital transformation and change</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/member-engagement/">Member engagement</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/digital/quantitative-development-services/">Quantitative development services</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-custom menu-item-object-custom'><a class="block py-4" href="/insights">Insights</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Insights</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" 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="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" 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="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" 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="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" 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="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" 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></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/about-us/">About us</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">About us</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/about-us/client-success-stories/">Client success stories</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/news/">News</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/our-people/">Our people</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Our people</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=13">Actuarial and consulting</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=10">Pensions administration</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=18">Investment advisory</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=11">Reward and benefits</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/our-people/?department=19">Isio Wealth Planning</a></li> </ul> </div></li><li class='px-6 border-b border-neutral-200 has-sub-menu flex justify-between items-center menu-item menu-item-type-post_type menu-item-object-page'><a class="block py-4" href="https://www.isio.com/careers/">Careers</a><button class="open-sub-menu"><img height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /></button> <div class="sub-menu"> <button class="previous-menu w-full text-left border-b border-neutral-200 py-3 px-6 flex items-center"><img class="mr-4" height="25" src="https://www.isio.com/app/themes/isio/theme/images/icon-outside-link.svg" /> <span class="text-lg uppercase">Back</span></button> <h3 class="pt-6 pb-3 px-6 font-bold text-black">Careers</h3> <ul> <li class="py-3 px-6 border-b border-neutral-200 border-t border-neutral-200"><a class="hover:underline font-light" href="https://www.isio.com/careers/">Our careers</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/careers/early-careers/">Early careers</a></li> <li class="py-3 px-6 border-b border-neutral-200 "><a class="hover:underline font-light" href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> </div></li> <div class="mt-6 lg:hidden text-center"> <a class="btn-primary" href="/contact">Contact</a> </div> </nav> </header> <div id="content"> <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/insights/">Insights</a></span> <span class="bc-seperator">»</span> <span class="breadcrumb_last" aria-current="page">The key takeaways from a highly anticipated Budget</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 mb-4"> <h1 class="h1"> The key takeaways from a highly anticipated Budget </h1> <h2 class="text-2xl uppercase"> Pensions </h2> </div> </div> </div> </div> </section> <section> <section class="text-wrapper text-block medium-width "> <div class="container"> <div class="acf-innerblocks-container"> <p><strong>On 30th October 2024, the Chancellor delivered one of the most highly anticipated budgets in recent memory: the first budget from a Labour Government in a generation, and the first ever by a female Chancellor. After weeks of gloomy framing, and increasingly frenzied speculation in the press we finally have some clarity.</strong></p> <p>The Office for Budget Responsibility (OBR) headline provides a pithy summary “Budget delivers large increases in spending, tax, and borrowing”. </p> <p>The majority of the tax rises will be felt by employers, mainly via an increase in the rate of employer National Insurance Contributions. The Chancellor has avoided making any of the revolutionary pensions changes that had been rumoured, with the exception being the application of Inheritance Tax to lump sum pension death benefits. </p> <div style="height:51px" aria-hidden="true" class="wp-block-spacer"></div> <h2 class="wp-block-heading" id="h-impacts-for-pensions-and-employee-benefits" style="font-size:56px">Impacts for pensions and employee benefits<br></h2> </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/2024/10/Two-business-partners-in-formal-wear-and-with-protective-yellow-helmets.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGrey-100 mb-2">Increase in employer National Insurance Contributions (NICs)</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p></p> <ul class="wp-block-list"> <li style="list-style-type: none"> <ul class="wp-block-list"></p> <li>The majority of the increased taxation that the Chancellor is looking to raise comes from a change to employer NICs from April 2025 – with an increase of 1.2% in the headline rate (from 13.8% to 15%) and a reduction in the threshold when it applies from £9,100 down to £5,000.</li> <li>This equates to an increased cost for employers of over £900 per year for the average UK worker, with a higher proportionate increase in costs for lower paid staff.</li> <li>While the pre-budget speculation around NICs being applied to employer pension contributions was misplaced, the increase in employer NICs has increased the relative attraction to employers of making pension contributions and of using pension salary sacrifice arrangements. Employers who don’t have a salary sacrifice arrangement in place may look to do so to help mitigate their increased NIC bill.</li> </ul> </li> </ul> <p></p> <p></p> </div> </div> </div> </section> <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/2024/10/Close-up-of-people-discussing-papers-1.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGrey-100 mb-2">Inheritance tax applied to pensions</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p></p> <ul class="wp-block-list"> <li style="list-style-type: none"> <ul class="wp-block-list"></p> <li>Inheritance Tax (IHT) will apply to unused pension funds and pension death benefits from April 2027.</li> <li>This change was widely expected and reduces the attraction of using pension assets for IHT planning purposes. The OBR expects that in 2029/30 this will raise £1.5bn allowing for likely behavioural changes, although it would be £2.6bn assuming no changes.</li> <li>Trustees and sponsors of pension schemes will want to assess the impact this could have for the death benefits they provide. Individuals with material defined contribution funds may wish to revisit any inheritance planning to consider whether their current approach should be adjusted to reflect the application of IHT.</li> </ul> </li> </ul> <p></p> <p></p> </div> </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/2024/10/Outside-of-Logistics-Retailer-Warehouse.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGrey-100 mb-2">Increase in minimum wage</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p></p> <ul class="wp-block-list"> <li style="list-style-type: none"> <ul class="wp-block-list"></p> <li>It was confirmed that there will be a 6.7% in the headline National Living Wage to £12.21 an hour from April 2025. This increase in the headline rate follows on from input from the Low Pay Commission.</li> <li>Employers will want to ensure that minimum wage requirements are met, which includes checking that an employee’s pay isn’t reduced below this level by any salary sacrifice arrangements.</li> </ul> </li> </ul> <p></p> <p></p> </div> </div> </div> </section> <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/2024/10/Close-up-of-people-discussing-papers.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGrey-100 mb-2">Changes to overseas transfers</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p></p> <ul class="wp-block-list"> <li style="list-style-type: none"> <ul class="wp-block-list"></p> <li>In the budget small print there was an announcement that the government will remove the exclusion from the Overseas Transfer Charge for transfers to pension schemes in the European Economic Area from 30 October 2024.</li> <li>While this will require a change in the approach for pension scheme administrators dealing with overseas transfers to Europe, it will bring the treatment into line with the rest of world.</li> </ul> </li> </ul> <p></p> <p></p> </div> </div> </div> </section> <section class="audience_block--five bg-brandGrey-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/2024/10/Stock-market-screen.jpg');"> </div> <div class="py-24 px-8"> <h3 class="text-base font-semibold uppercase mb-4"><a href="#">Webinars</a></h3> <h2 class="text-2xl text-brandGrey-100 mb-4">Watch the Isio Budget Box Briefing webinar</h2> <p class="text-brandGrey-100 mb-7 text-lg font-medium">Isio experts discussed some of the changes affecting employers, trustees and individuals on our Budget day webinar. </p> <a class="mb-7 btn-primary " href="https://www.isio.com/insights/webinar-isio-budget-box-briefing-webinar/">Learn more</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]">Get in touch </h2> </div> <div> <p class="text-black text-[1.1875rem] font-normal mb-4">If you’d like to discuss any of the outcomes from the Budget, please get in touch or reach out to your usual Isio contact. </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 === '5068') ? null : { nameSurname: 'Scott Kendrick', jobTitle: 'Director & Head of Benefit Design and Change', about: '', phoneNumber: '', email: 'scott.kendrick@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Scott-Kendrik.jpg', link: 'https://www.isio.com/person/scott-kendrick/' }"> <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 === '5068') || (!selectedPerson && '5068' === '5068') }" src="https://www.isio.com/app/uploads/2023/11/Scott-Kendrik.jpg" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Scott Kendrick</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Director & Head of Benefit Design and Change</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '3848') ? null : { nameSurname: 'Iain McLellan', jobTitle: 'Director', about: '', phoneNumber: '', email: 'iain.mclellan@isio.com', image: 'https://www.isio.com/app/uploads/2023/10/Iain-McLellan.png', link: 'https://www.isio.com/person/ian-m/' }"> <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 === '3848') || (!selectedPerson && '5068' === '3848') }" src="https://www.isio.com/app/uploads/2023/10/Iain-McLellan.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Iain McLellan</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Director</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '3103') ? null : { nameSurname: 'Tim Barlow', jobTitle: 'Partner', about: '', phoneNumber: '', email: 'tim.barlow@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Tim-Barlow.jpg', link: 'https://www.isio.com/person/tim-barlow/' }"> <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 === '3103') || (!selectedPerson && '5068' === '3103') }" src="https://www.isio.com/app/uploads/2023/11/Tim-Barlow.jpg" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Tim Barlow</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Partner</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '5046') ? null : { nameSurname: 'Karen Parker', jobTitle: 'Partner', about: '', phoneNumber: '', email: 'karen.parker@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Remove-background-project-18.png', link: 'https://www.isio.com/person/karen-parker/' }"> <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 === '5046') || (!selectedPerson && '5068' === '5046') }" src="https://www.isio.com/app/uploads/2023/11/Remove-background-project-18.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Karen Parker</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Partner</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '5139') ? null : { nameSurname: 'Mark Jones', jobTitle: 'Partner', about: '', phoneNumber: '', email: 'mark.jones@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Remove-background-project-8.png', link: 'https://www.isio.com/person/mark-jones/' }"> <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 === '5139') || (!selectedPerson && '5068' === '5139') }" src="https://www.isio.com/app/uploads/2023/11/Remove-background-project-8.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Mark Jones</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Partner</p> </div> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '10356') ? null : { nameSurname: 'Mark Campbell', jobTitle: 'Head of Wealth Proposition', about: '', phoneNumber: '', email: 'mark.campbell@isio.com', image: 'https://www.isio.com/app/uploads/2023/11/Remove-background-project-10.png', link: 'https://www.isio.com/person/mark-campbell/' }"> <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 === '10356') || (!selectedPerson && '5068' === '10356') }" src="https://www.isio.com/app/uploads/2023/11/Remove-background-project-10.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Mark Campbell</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Head of Wealth Proposition</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/Scott-Kendrik.jpg'" alt="Image"> <strong class="text-brandGreen-100 text-[1.175rem] font-medium" x-text="selectedPerson ? selectedPerson.nameSurname : 'Scott Kendrick'"> </strong> <p class="text-black text-lg font-light mb-2" x-text="selectedPerson ? selectedPerson.jobTitle : 'Director & Head of Benefit Design and Change'"></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:scott.kendrick@isio.com'" x-text="selectedPerson ? selectedPerson.email : 'scott.kendrick@isio.com'"></a> <a x-bind:href="selectedPerson ? selectedPerson.link : 'https://www.isio.com/person/scott-kendrick/'" 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/Scott-Kendrik.jpg" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Scott Kendrick</strong> <p class="text-left text-black">Director & Head of Benefit Design and Change</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:scott.kendrick@isio.com">scott.kendrick@isio.com</a> <a href="https://www.isio.com/person/scott-kendrick/" 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/Iain-McLellan.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Iain McLellan</strong> <p class="text-left text-black">Director</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:iain.mclellan@isio.com">iain.mclellan@isio.com</a> <a href="https://www.isio.com/person/ian-m/" 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/Tim-Barlow.jpg" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Tim Barlow</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:tim.barlow@isio.com">tim.barlow@isio.com</a> <a href="https://www.isio.com/person/tim-barlow/" 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/Remove-background-project-18.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Karen Parker</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:karen.parker@isio.com">karen.parker@isio.com</a> <a href="https://www.isio.com/person/karen-parker/" 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/Remove-background-project-8.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Mark Jones</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.jones@isio.com">mark.jones@isio.com</a> <a href="https://www.isio.com/person/mark-jones/" 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/Remove-background-project-10.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Mark Campbell</strong> <p class="text-left text-black">Head of Wealth Proposition</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.campbell@isio.com">mark.campbell@isio.com</a> <a href="https://www.isio.com/person/mark-campbell/" 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] top-auto"></div> </div> </div> <div class="md:hidden container text-center mt-20 mb-8"> <a class=" mx-auto btn-primary " href="/our-people">Our people</a> </div> </section> </section> </div> <footer> <div class="footer py-5"> <div class="container pt-10 pb-10"> <div class="footer-menus-container lg:w-max"> <div class="2xl:flex gap-16 xl:gap-x-36 flex-col md:flex-row lg:pb-11 border-b border-[#d9d9d9]"> <div class="footer-menu mb-10 2xl:mb-0"> <h3 class="text-[28px] font-medium text-brandGreen mb-4">Company</h3> <ul id="menu-company" class="grid grid-cols-2 gap-y-4 gap-x-8 lg:gap-x-28"><li id="menu-item-85" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-85"><a href="https://www.isio.com/about-us/">About us</a></li> <li id="menu-item-89" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-89"><a href="https://www.linkedin.com/company/isiogroup/">Follow us on LinkedIn</a></li> <li id="menu-item-87" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-87"><a href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li id="menu-item-86" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-86"><a href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li id="menu-item-88" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-88"><a href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li id="menu-item-90" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-90"><a href="https://www.isio.com/our-people/">Our people</a></li> <li id="menu-item-91" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-91"><a href="https://www.isio.com/careers/">Careers</a></li> <li id="menu-item-92" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-92"><a href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> </div> <div class="footer-menu mb-10 lg:mb-0"> <h3 class="text-[28px] font-medium text-brandGreen mb-4">Services</h3> <ul id="menu-services" class="grid grid-cols-2 gap-y-4 gap-x-8 lg:gap-x-28"><li id="menu-item-93" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-93"><a href="https://www.isio.com/what-we-do/pensions/">Pension services</a></li> <li id="menu-item-97" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-97"><a href="https://www.isio.com/solutions/trustees/">Services for trustees</a></li> <li id="menu-item-94" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-94"><a href="https://www.isio.com/what-we-do/benefits/">Benefits services</a></li> <li id="menu-item-98" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-98"><a href="https://www.isio.com/solutions/employers/">Services for employers</a></li> <li id="menu-item-95" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-95"><a href="https://www.isio.com/what-we-do/investment/">Investment services</a></li> <li id="menu-item-99" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-99"><a href="https://www.isio.com/solutions/individuals/">Services for individuals</a></li> <li id="menu-item-96" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-96"><a href="https://www.isio.com/what-we-do/wealth/">Wealth services</a></li> <li id="menu-item-100" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-100"><a href="https://www.isio.com/digital/">Digital services</a></li> </ul> </div> </div> <div class="flex flex-col lg:flex-row justify-between gap-10 lg:gap-16 pt-10"> <ul id="menu-footer-3" class="footer-menu flex flex-wrap gap-5 md:gap-14 lg:gap-2 justify-start lg:justify-between lg:items-center w-full"><li id="menu-item-18935" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-18935"><a href="https://www.isio.com/privacy/">Privacy</a></li> <li id="menu-item-1594" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1594"><a href="https://www.isio.com/terms-and-conditions/">Legal</a></li> <li id="menu-item-2117" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-2117"><a href="https://www.isio.com/app/uploads/2024/04/Modern-Slavery-Statement-March-2024.pdf">Modern Slavery Statement</a></li> <li id="menu-item-1592" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1592"><a href="https://www.isio.com/gender-pay-gap/">Gender Pay Gap</a></li> <li id="menu-item-11284" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-11284"><a href="https://www.isio.com/app/uploads/2023/12/IFPR-Disclosures.pdf">IFPR disclosures</a></li> </ul> <p class="lg:hidden block font-light text-lg text-brandGreen"> © Isio Group Limited/Isio Services Limited 2024. All rights reserved. </p> <div class="flex gap-2"> </div> </div> <p class="hidden lg:block font-light text-brandGreen text-lg pt-2"> © Isio Group Limited/Isio Services Limited 2024. All rights reserved. </p> </div> <div class="lg:hidden"> <img class="h-[330px] ml-auto mt-8" src="https://www.isio.com/app/themes/isio/theme/images/logo_alt.png" alt="Isio" /> </div> </div> </footer>  <script type="text/javascript" src="https://cdn-ukwest.onetrust.com/consent/b5dfa5c5-67d7-4509-90ae-624a3d646ca6/OtAutoBlock.js" ></script> <script src="https://cdn-ukwest.onetrust.com/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="b5dfa5c5-67d7-4509-90ae-624a3d646ca6" ></script> <script type="text/javascript"> function OptanonWrapper() { } </script>  </div> <script src="https://cdn.jsdelivr.net/npm/swiper@10/swiper-bundle.min.js" id="swiper-js-js"></script> <script id="isio-script-js-extra"> var isio = {"ajax_url":"https:\/\/www.isio.com\/wp\/wp-admin\/admin-ajax.php"}; </script> <script src="https://www.isio.com/app/themes/isio/theme/assets/js/script.min.js?ver=0.1.0" id="isio-script-js"></script> </body> </html>

CINXE.COM

The key takeaways from a highly anticipated Budget - Isio