Pensions & benefits

DC &
financial wellbeing

Truly understanding your employees or members, as well as your objectives, will lead to improved communication, engagement and ultimately better, more personalised outcomes.

The DC & financial wellbeing market continues to evolve, with constant legislative changes coupled with many mergers and acquisitions amongst traditional pensions providers changing the landscape beyond recognition.

Despite these profound changes, we should hold a clear goal in mind; that savers can achieve a retirement outcome on which they can not only survive, but also be comfortable. But how do we do this?

We use the data we have to get to know your employees or members, and set clear objectives with their outcomes in mind, which will allow us to achieve success from their perspective.

How we can help with your DC scheme

We know that post Freedom and Choice the DC landscape is changing rapidly with an ever-increasing number of options available to both scheme sponsors and for members, particularly at retirement. With the benefit of our independent research you can be confident that we will keep you up to date with the relevant information about regulatory changes, market developments and new ideas.

The key to this is governance and monitoring. For example, we look at how much money your investment strategy will deliver for your employees in retirement. Do you know how many employees are taking advantage of matching contributions who can afford to? And how your provider is developing and delivering its proposition?

We use our market-leading technology, including LCP Horizon, to make sure you always have the information at your fingertips to make decisions in real-time. If you need to make changes, our expert project management and research capability will make them easy to implement.

All this data and knowledge, when used and monitored effectively, can really help generate positive outcomes for your employees.

How we can help with your employees' financial wellbeing

Your employees’ financial lives are personal, unique, and at times can be complicated. And when those worries are brought to the workplace, it can have a huge impact on the ability for your employees (no matter their position) to get the job done and ultimately your bottom line.

Putting your data through our unique analytics tool offers insight into your employees’ behaviours. The power of this data is demonstrated through the ability to design bespoke employee centric solutions that can improve individuals’ financial situations as well as helping you to manage risks and demonstrate return on investment to your organisation. 

Whilst budgets can often be challenged in this area, our approach is designed to optimise your existing resources, creating savings for you whilst enhancing employee engagement. 

We are perfectly placed to be your strategic corporate partner to guide you in creating the optimum framework which will continue to adapt in this ever-changing world.

How we have helped our clients

Our DC & financial wellbeing experts

Our latest thinking

DC Update August 2019

Here you’ll find our views on the key developments in DC pensions over the last three months, together with actions and issues heading your way.

6 August 2019

How we can help


We help you maximise employee engagement and ensure good member outcomes.

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DC governance

We help you understand and meet governance requirements.

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DC investment

We help employers and trustees design investment strategies that achieve better outcomes for members.

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DC strategy

We help you define and implement your DC strategy.

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Financial wellbeing

Your most important asset is your employees, so it’s vital you look after their financial health to boost the success of your business.

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LCP Horizon

LCP Horizon is a one stop solution to meet your governance, communications and investment needs; enabling you to take effective, measurable actions to help your members.

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