Covenant Solutions

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href="https://www.isio.com/what-we-do/pensions/db-consolidation/">DB consolidation</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/settlement/">Insurance & risk settlement</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/regulatory-risk-rectification/">Pension remediation</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/operational-solutions/">Operational solutions</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/hr-and-pensions-ma/">HR and pensions M&A</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/pensions/covenant-solutions/">Covenant solutions</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/pensions/" class="view-all-link">All pensions services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/strategic-benefit-design/">Strategic benefit design</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/risk-and-healthcare/">Risk & healthcare</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/benefits-technology/">Benefits technology</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/employee-support-and-financial-wellbeing/">Employee support & financial wellbeing</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/benefits/pay-modelling/">Pay modelling</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/benefits/" class="view-all-link">All benefits services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/private-capital/">Private Capital</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/dc-investment/">DC investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/db-investment/">DB investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/liability-hedging-and-ldi/">Liability hedging & LDI</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/investment-manager-research/">Investment manager research </a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/sustainable-investment/">Sustainable investment</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/fiduciary-management-oversight/">Fiduciary management oversight</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/buy-ins-and-buy-outs/">Buy-ins and buy-outs</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/investment/i-flo/">i-FLO</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/investment/" class="view-all-link">All investment services</a> </div> </div> <div class="flex flex-col"> <ul> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/wealth-management/">Wealth management</a></li> <li><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/what-we-do/wealth/member-advice/">Member advice</a></li> </ul> <div class="pt-3 xl:pt-4 mt-auto"> <a href="https://www.isio.com/what-we-do/wealth/" class="view-all-link">All wealth services</a> </div> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/solutions/">Solutions for you</a></div> <section class="mega-menu hidden bg-brandGreen text-white shadow-lg"> <div> <div class="container"> <div class="grid grid-cols-4 gap-20"> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Trustees</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Collaborative, clear advice to power informed and effective decision-making.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/trustees/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Employers</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Strategic solutions for employers with ambition.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/employers/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Individuals</div> <p class="leading-6 text-base font-light xl:text-lg xl:leading-6">Building a better financial future for everyone.</p> <div class="pt-5 mt-auto"> <a href="https://www.isio.com/solutions/individuals/" class="view-all-link">View more</a> </div> </div> <div class="flex flex-col"> <div class="text-xl pt-4 pb-3 font-normal">Are you a pension scheme member?</div> <p class="text-base">If you are a member of a pension scheme or you are looking for information about your pension, please visit YourIsio.com</p> <div class="pt-5 mt-auto"> <a href="https://www.yourisio.com/" class="text-base pt-2 small-arrow arrow-white underline">Visit YourIsio.com</a> </div> </div> </div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/digital/">Digital services</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Digital services</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Solutions that combine deep pensions expertise with digital prowess.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-product-development/">Digital product development</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/data-services/">Data services</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/digital-transformation-and-change/">Digital transformation and change</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/member-engagement/">Member engagement</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/digital/quantitative-development-services/">Quantitative development services</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-custom menu-item-object-custom'><div class="relative flex items-center h-full menu-link-wrapper"><a href="/insights">Insights</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Insights</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">The big issues facing our industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/us-election-result-what-does-this-mean-for-markets-and-investors/">US election result: what does this mean for markets and investors?</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/">The key takeaways from a highly anticipated Budget</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/lgps-england-wales-low-risk-funding-index-30-september-2024-results/">LGPS (England & Wales) Low-Risk Funding Index: 30 September 2024 results</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-acquires-k3-advisory-to-bolster-risk-settlement-capabilities/">Isio acquires K3 Advisory to bolster risk settlement capabilities</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-londons-entry-into-the-bulk-annuity-market/">Get your benefits right or risk losing top talent</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/2024/02/29/outpacing-change/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="187" src="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png" class="w-full h-full object-cover" alt="" decoding="async" fetchpriority="high" srcset="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png 366w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-300x153.png 300w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1024x523.png 1024w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-768x392.png 768w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-1536x784.png 1536w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-720x368.png 720w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-95x49.png 95w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-354x181.png 354w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-980x500.png 980w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-170x87.png 170w, https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail.png 1735w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">post</span> <span class="text-base 2xl:text-lg pl-6 text-black">Outpacing change</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/2024/02/29/outpacing-change/">Outpacing change</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/about-us/">About us</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Find out more about Isio</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">An industry-leading challenger, providing Pensions, Benefits, Investment and Wealth services – ensuring better outcomes for our clients.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/inclusion-diversity-and-equity/">Inclusion & belonging</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/client-success-stories/">Client success stories</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/">News</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="153" src="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg" class="w-full h-full object-cover" alt="" decoding="async" srcset="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg 1920w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-300x125.jpg 300w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1024x427.jpg 1024w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-768x320.jpg 768w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1536x640.jpg 1536w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/">Maximising value from employee benefits</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/our-people/">Our people</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Meet our amazing teams</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Leading the way to a better, more progressive pensions industry.</p> </div> <div 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prose prose-neutral max-w-none prose-a:text-primary"> <section class=" bg-brandGreen "> <div class="page-header relative bg-no-repeat no-header-image "> <div class="container pb-14 pt-5 md:pt-14 lg:py-0 relative flex h-full items-center "> <div class="breadcrumb hidden lg:block absolute top-3.5 "> <span><span class="bc-link"><a href="https://www.isio.com/">Home</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/what-we-do/">What we do</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/what-we-do/pensions/">Pensions</a></span> <span class="bc-seperator">»</span> <span class="breadcrumb_last" aria-current="page">Covenant Solutions</span></span> </div> <div class="max-w-[600px] text-white flex-col text-left pt-16 pb-8 lg:pt-28 lg:pb-20"> <div class="headings flex flex-col-reverse gap-2"> <h1 class="mb-4 h1"> Covenant solutions </h1> </div> <p class="text-xl lg:text-2xl;">Our specialist team provides trustees and sponsors with clear and targeted advice, to manage employer covenant risks and shape pensions strategy.</p> </div> </div> </div> </section> <section class="audience_block--two py-24 lg:py-40 lg:pt-[132px] lg:pb-[116px] overflow-hidden relative bg-white "> <div class="3xl:container"> <div class="container md:grid md:grid-cols-4 gap-10 gap-y-20 relative"> <div class="col-span-4 lg:col-span-2 mr-24 pb-14"> <h2 class="md:text-[4.75rem] text-5xl font-semibold text-brandGreen-100 leading-none ">Benefits of our approach</h2> </div> <div class="col-span-4 xl:col-span-2"> <div class="grid gap-8 pr-4 md:pr-0 sm:grid-cols-2 md:grid-cols-2"> <div class="md:flex items-center benefit-tile"> <img decoding="async" class="img_wrap md:mr-10 animate-me transparent move-up step-1" src="https://www.isio.com/app/uploads/2023/11/Bold_thinking.png" alt="Bold_thinking" /> <p class="text-lg font-semibold max-w-[250px] md:max-w-[250px] text-black">Expertise in covenant and complimentary disciplines</p> </div> <div class="md:flex items-center benefit-tile"> <img decoding="async" class="img_wrap md:mr-10 animate-me transparent move-up step-2" src="https://www.isio.com/app/uploads/2023/11/experts-e1701704346949.png" alt="experts" /> <p class="text-lg font-semibold max-w-[250px] md:max-w-[250px] text-black">Advisors to complex DB pension schemes and sponsors</p> </div> <div class="md:flex items-center benefit-tile"> <img decoding="async" class="img_wrap md:mr-10 animate-me transparent move-up step-3" src="https://www.isio.com/app/uploads/2023/11/Tick.png" alt="Tick" /> <p class="text-lg font-semibold max-w-[250px] md:max-w-[250px] text-black">A distinct style, bringing meaningful insights and value </p> </div> <div class="md:flex items-center benefit-tile"> <img decoding="async" class="img_wrap md:mr-10 animate-me transparent move-up step-4" src="https://www.isio.com/app/uploads/2023/11/robust.png" alt="robust" /> <p class="text-lg font-semibold max-w-[250px] md:max-w-[250px] text-black">An integrated approach across Isio and with other advisers</p> </div> <div class="md:flex items-center benefit-tile"> <img decoding="async" class="img_wrap md:mr-10 animate-me transparent move-up step-5" src="https://www.isio.com/app/uploads/2023/11/MONEY_POT.png" alt="MONEY_POT" /> <p class="text-lg font-semibold max-w-[250px] md:max-w-[250px] text-black">Extensive first-hand experience of the regulatory landscape </p> </div> </div> </div> </div> </div> </section> <section class="wrapper-with-background bg-grey-dient "> <div class="s-background"> <div class="acf-innerblocks-container"> <section class="two-column-text-media-wrapper max-w-[1920px] mx-auto text-block bg-transparent noS text-right"> <div class="two-column-text-media md:container md:flex-row mediaCover flex items-center"> <div class="media-wrapper animate-me md:move-up md:transparent squared"> <img decoding="async" src="https://www.isio.com/app/uploads/2023/11/a0d2d6340161741d64bb1a1ccbd31070.webp" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGreen-100 mb-2">Dealing with employer covenant uncertainty</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p>Covenant strength is variable. Trustees and sponsors need to be ready for changes caused by any number of fluctuations and risks – from market performance to corporate restructuring.</p> <p>But the path to preparedness isn’t always straightforward. New legislation, regulatory guidance and the rapidly changing economic environment make managing these situations increasingly complex.</p> <p>Our covenant solutions specialists give you the tools to navigate these challenging matters pragmatically. We consider risk proportionately and in the wider business context, building solutions that are tailored and appropriate for your specific covenant risks.</p> </div> </div> </div> </section> <section class="text-wrapper text-block medium-width "> <div class="container"> <div class="acf-innerblocks-container"> <h2 class="wp-block-heading" id="h-flexible-covenant-solutions-and-services"><strong>Flexible covenant solutions and services</strong></h2> <p>Cut through unnecessary detail and delays with a proportionate approach to covenant analysis and value-added solutions.</p> <ul class="wp-block-list"> <li><strong>Financial monitoring</strong>: Financial monitoring drives insight into your scheme’s employer covenant. We can tailor this to key metrics, with a dashboard and triggers to aid decision-making.</li> <li><strong>Sponsor prospects monitoring: </strong>A focus on key industry risks, market trends and ESG considerations to guide discussion and understanding.</li> <li><strong>Triennial assessments:</strong> We assess the strength of your scheme’s employer covenant by considering sponsor cash flows, business prospects and contingent support.</li> <li><strong>Bespoke solutions for corporate events:</strong> We provide tailored, directional advice to trustees navigating covenant change situations, such as transactions or refinancing.</li> </ul> </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/2023/11/RB_1097X700.jpg" alt=""/> </div> <div class="text-column container standard"> <h2 class="text-brandGreen-100 mb-2">Broad, in-depth covenant experience</h2> <div class="cms-text mt-4 text-brandGrey-100"> <p>Our team is built with a wealth of experience in financial analysis, insolvency, restructuring, UK pensions regulation, accounting, due diligence and audit – giving you the range of experience and advice you need.</p> <p>In fact, we’ve advised and negotiated employer covenant issues on some of the largest and most complex transaction situations in the UK.</p> <p>We work closely with colleagues across Isio to provide you with the full complement of integrated risk management advisory services, supporting you in harnessing your covenant opportunities, mitigating risks and meeting your regulatory requirements.</p> </div> </div> </div> </section> </div> </div> </section> <section class="useful-information py-24 lg:py-40 bg-grey-dient"> <div class="container"> <h2 class="h1-xl text-brandGreen pb-10 lg:pb-16"> Useful information </h2> <div x-data="{ openQuestion: null }"> <dl class="space-y-6 divide-y divide-black bg-white"> <div class="pt-6"> <div>  <button @click="openQuestion === 0 ? openQuestion = null : openQuestion = 0" type="button" class="flex w-full items-start justify-between text-left text-black pr-5" :aria-expanded="openQuestion === 0" > <span class="text-2xl">When and why should I be obtaining independent covenant advice? </span> <span class="md:ml-6 flex h-7 items-center"> <svg class="inline-block relative transform transition-transform " :class="{ 'rotate-180': openQuestion === 0, 'rotate-0': openQuestion !== 0}" width="26" height="25" viewBox="0 0 26 25" fill="none" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <rect x="25.1367" width="25" height="25.1375" transform="rotate(90 25.1367 0)" fill="url(#pattern0)"/> <defs> <pattern id="pattern0" 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An independent covenant advisor can help navigate the complexities of the sponsor’s business, financials, market and competition, and deliver a view that has the necessary level of expertise and objectivity. Where covenant is under threat or is changing, we can explain and consider the risk of regulatory intervention, particularly under TPR’s new powers enacted in the Pension Schemes Act 2021. </div> </div> </div> <div class="pt-6"> <div>  <button @click="openQuestion === 1 ? openQuestion = null : openQuestion = 1" type="button" class="flex w-full items-start justify-between text-left text-black pr-5" :aria-expanded="openQuestion === 1" > <span class="text-2xl">What can I expect from an Isio Covenant Solutions covenant assessment? </span> <span class="md:ml-6 flex h-7 items-center"> <svg class="inline-block relative transform transition-transform " :class="{ 'rotate-180': openQuestion === 1, 'rotate-0': openQuestion !== 1}" width="26" height="25" viewBox="0 0 26 25" fill="none" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <rect x="25.1367" width="25" height="25.1375" transform="rotate(90 25.1367 0)" fill="url(#pattern0)"/> <defs> <pattern id="pattern0" 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Isio Covenant Solutions will assess covenant strength in line with TPR’s extensive and changing guidance, to deliver you a clear and concise view on the strength of the covenant, with clear advice and recommendations for strategies or actions appropriate for the circumstances. You can always expect proportionality and pragmatism. </div> </div> </div> <div class="pt-6"> <div>  <button @click="openQuestion === 2 ? openQuestion = null : openQuestion = 2" type="button" class="flex w-full items-start justify-between text-left text-black pr-5" :aria-expanded="openQuestion === 2" > <span class="text-2xl">What are typically the main outputs from a covenant assessment? </span> <span class="md:ml-6 flex h-7 items-center"> <svg class="inline-block relative transform transition-transform " :class="{ 'rotate-180': openQuestion === 2, 'rotate-0': openQuestion !== 2}" width="26" height="25" viewBox="0 0 26 25" fill="none" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <rect x="25.1367" width="25" height="25.1375" transform="rotate(90 25.1367 0)" fill="url(#pattern0)"/> <defs> <pattern id="pattern0" patternContentUnits="objectBoundingBox" width="1" height="1"> <use xlink:href="#image0_3028_1012" transform="matrix(0.00196386 0 0 0.00195312 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Broadly though, our assessments are delivered through a concise report and follow up conversations between you and our covenant specialists. Our reports contain the conclusions of our employer covenant assessment, in line with the applicable regulations and guidance, and any scope specific considerations. We will also summarise the key considerations behind the assessment in a proportionate level of detail to meet client needs. </div> </div> </div> <div class="pt-6"> <div>  <button @click="openQuestion === 3 ? openQuestion = null : openQuestion = 3" type="button" class="flex w-full items-start justify-between text-left text-black pr-5" :aria-expanded="openQuestion === 3" > <span class="text-2xl">What support can you give trustees and sponsors in negotiating valuations and mitigations for detriment to schemes? </span> <span class="md:ml-6 flex h-7 items-center"> <svg class="inline-block relative transform transition-transform " :class="{ 'rotate-180': openQuestion === 3, 'rotate-0': openQuestion !== 3}" width="26" height="25" viewBox="0 0 26 25" fill="none" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <rect x="25.1367" width="25" height="25.1375" transform="rotate(90 25.1367 0)" fill="url(#pattern0)"/> <defs> <pattern id="pattern0" 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The necessary considerations can be detailed, technical and complex. Our team can help with straightforward, pragmatic advice to overcome challenges and support negotiations. </div> </div> </div> </dl> </div> </div> </section> <section class="post-slider no-quote py-16 md:py-32 overflow-hidden bg-brandGreen"> <div class="container"> <h2 class="text-white text-[2.875rem] md:text-7xl mb-12">Success stories</h2> <div class=" grid grid-cols-1 lg:grid-cols-3 xl:grid-cols-4 gap-14 md:gap-20 md:mb-7"> <div class="col-span-1 lg:col-span-2 xl:col-span-3"> <div class="bg-brandGreen swiper-side"> <div class="swiper previewSwiper"> <div class="swiper-wrapper lg:pb-10"> <div class="swiper-slide w-full"> <a href="https://www.isio.com/success-stories/advising-on-full-scheme-buy-in-standard-life-rolls-royce-and-bentley-pension-fund/"> <div class="md:hidden w-full aspect-[7/5] bg-cover" style="background-image:url(https://www.isio.com/app/uploads/2023/09/2023-06-06_155830-2.png);"></div> <div class="relative overflow-hidden"> <img loading="lazy" decoding="async" 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class="bg-grey-dient"> <div class="pt-20"> <div class="container grid md:grid-cols-2 md:gap-36"> <div> <h2 class="text-brandGreen-100 text-[2.875rem] font-semibold mb-12 leading-[4.25rem] md:text-[4.75rem]">Key people </h2> </div> <div> <p class="text-black text-[1.1875rem] font-normal mb-4"></p> </div> </div> </div> <div x-data="{ selectedPerson: null }" class="hidden md:block container xl pt-16 pb-10"> <div class="flex flex-row"> <div class="basis-3/4"> <div class="grid grid-cols-2 xl:grid-cols-4 gap-2"> <div class="mb-4 hover:cursor-pointer" x-on:click="selectedPerson = (selectedPerson && selectedPerson.nameSurname === '2825') ? null : { nameSurname: 'Paul Geeson', jobTitle: 'Partner', about: '', phoneNumber: '', email: 'paul.geeson@isio.com', image: 'https://www.isio.com/app/uploads/2023/10/Remove-background-project-7.png', link: 'https://www.isio.com/person/paul-geeson/' }"> <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 === '2825') || (!selectedPerson && '2825' === '2825') }" src="https://www.isio.com/app/uploads/2023/10/Remove-background-project-7.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Paul Geeson</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 === '19167') ? null : { nameSurname: 'Matthew Cooper', jobTitle: 'Director', about: '', phoneNumber: '', email: 'matthew.cooper@isio.com', image: 'https://www.isio.com/app/uploads/2024/05/Untitled-3.png', link: 'https://www.isio.com/person/matthew-cooper/' }"> <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 === '19167') || (!selectedPerson && '2825' === '19167') }" src="https://www.isio.com/app/uploads/2024/05/Untitled-3.png" alt="Image"> <strong class="text-lg lg:text-xl text-brandGreen font-medium text-brandGreen-100 mt-8 mb-1 inline-block">Matthew Cooper</strong> <p class="font-light text-lg lg:text-xl md:max-w-[80%] text-black">Director</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/2023/10/Remove-background-project-7.png'" alt="Image"> <strong class="text-brandGreen-100 text-[1.175rem] font-medium" x-text="selectedPerson ? selectedPerson.nameSurname : 'Paul Geeson'"> </strong> <p class="text-black text-lg font-light mb-2" x-text="selectedPerson ? selectedPerson.jobTitle : 'Partner'"></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:paul.geeson@isio.com'" x-text="selectedPerson ? selectedPerson.email : 'paul.geeson@isio.com'"></a> <a x-bind:href="selectedPerson ? selectedPerson.link : 'https://www.isio.com/person/paul-geeson/'" 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/2023/10/Remove-background-project-7.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Paul Geeson</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:paul.geeson@isio.com">paul.geeson@isio.com</a> <a href="https://www.isio.com/person/paul-geeson/" 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/2024/05/Untitled-3.png" alt="Image"> <strong class="text-left text-[1.175rem] font-semibold text-brandGreen-100 mt-2 mb-1 block">Matthew Cooper</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:matthew.cooper@isio.com">matthew.cooper@isio.com</a> <a href="https://www.isio.com/person/matthew-cooper/" 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> <div class="get-in-touch md:h-[250px] bg-no-repeat bg-bottom xl:bg-left-bottom bg-brandGreen-light py-14 md:py-0"> <div class="container text-white flex flex-col md:flex-row items-center space-between h-full"> <div class="flex flex-col xl:flex-row items-center md:items-start xl:items-center"> <h2 class="text-left text-5xl xl:basis-[400px] mb-8 xl:mb-0">Get in touch</h2> <p class="text-2xl px-5 md:px-0 xl:basis-[320px] mb-6 md:mb-0">Take control of your covenant risks and opportunities. 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