Investment Expert and Accidental Trustee

Solving the Lost Pensions Challenge

Pension tracing is evolving - with new technology, better data and industry collaboration creating real opportunities to improve outcomes. In this episode, Robert Cochran is joined by industry experts, Workplace Proposition Leads Richard Brown and Eleanor Hassall-Marlow, for a pension transfer special. Together, they explore how processes are improving, the role of dashboards, and the growing importance of small pots, pension tracing and lessons learned from open banking. An insightful discussion on what’s changing - and what a better future could look like.

Can games make us care more about our pensions?

What if your pension felt more like a game: simple, engaging, even motivating? And right there on your phone. Would you be more likely to get involved? Scottish Widows’ pension gamified journeys have now been accessed over 1 million times, showing the growing appetite for more engaging, interactive ways to connect with pensions. In this episode, Robert Cochran is joined by Maighread Simpson, Rose Ulldemolins and Amy Rodger from the Lloyds gamification team to explore just that — the team behind creating, building and deploying all aspects of these games and gamified experiences. From ideas like Pensions Powerlift to the Pension Mirror, they discuss how gamification can make pensions easier to understand, encourage better saving habits, and inspire more people — especially younger savers — to get involved. For them, game-inspired thinking is helping bring pensions to life. It’s all about making pensions feel more intuitive, more engaging, and ultimately helping people take confident steps towards their financial future. You can play our Power Up games here: https://www.powerup.scottishwidows.co.uk/ [https://www.powerup.scottishwidows.co.uk/]

2026 Scottish Widows Retirement Report – Part 1

In this episode, Pete Glancy, Head of Pensions Policy, joins Robert Cochran to unpack Part 1 of the Scottish Widows 22nd UK Retirement Report, revealing that 31% of UK adults (12.2 million) are on track for pension poverty - down from 39% in 2025. Drawing on the National Retirement Forecast, they explore what’s behind this improvement and just how fragile it is, cost of living pressures, and the steps we could take to reduce this further to just 13%.* Listen now to understand the future of UK pensions, retirement planning, auto‑enrolment, and financial wellbeing and what it means for individuals, employers and policymakers across the UK. *2026 Scottish Widows' Retirement Report [https://eu-west-1.protection.sophos.com?d=scottishwidows.co.uk&u=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&i=NjliMTQ3MGNlMDkzMTI0ZTM1MDVmM2Mw&t=SzN3dmRtMmtxMFZycEVITnBnMHczYitOL0NHYlpOcDl3d1Vyd29sUkFSOD0=&h=db1148cd5f374feeac7040c858b94e43&s=AVNPUEhUT0NFTkNSWVBUSVahB-v-WXDOdg9DWtOo5h5xg1cU-r444LLiD0iFBkZrCBBqwkmwF16K1ZRgGwxvNBc]

Investment Expert and Accidental Trustee

In this episode, we explore a period of major change in workplace pension investing — from evolving default funds and increasing private market exposure, to Value for Money reforms and new retirement investment solutions. Robert Cochran and Sharon Bellingham are joined by Gerald Wellesley, Investment Chair of the Scottish Widows Master Trust. With over 35 years of investment experience and two decades as a scheme Trustee, Gerald shares a thoughtful and experienced perspective on navigating today’s volatile investment environment. The conversation covers private markets, the role of a strong liquidity ladder, and a compelling real‑world example of going against the consensus to achieve outperformance during market disruption. Gerald also discusses the potential implications of proposed Value for Money changes and how they could affect investment flexibility in the future. A must‑listen for anyone involved in workplace savings, pension scheme governance, or long‑term investment strategy.

Trustee superpower - Operations Management Activated

What’s it like to step into a Master Trust Trustee role? Joanne Fairburn has the answers.  She joins Robert Cochran and Sharon Bellingham to share fresh insights from her extensive pensions career and her experience as a Trustee of the Scottish Widows Master Trust. Joanne talks us through what it really means to be a Trustee, the major challenges and opportunities ahead for DC schemes, and how she sees the pensions landscape evolving. We also dive into the big themes shaping the future for members and schemes alike.