Build Your Pension

Changes since last visit

• · 17 employees received salary increases
• · 11 employees crossed an age milestone
• · 23 employees have never interacted with pension education
• · 7 employees appear to have stopped increasing contributions
• · 14 new employees became eligible

Recommended agenda

1. What changed in your pay this year
2. How contributions compound
3. The educational 1% scenario
4. Charges and default funds
5. Questions

Suggested talking points

• · Percentages, not amounts, drive inertia
• · Compounding illustrated over 20 years
• · No recommendations — education only

Cohort — Mid-career & recent pay rises (31 employees)

• · Salary increases detected
• · Contribution inertia 12+ months
• · Mid-career employees
• · Prior education engagement

Top open opportunities

• · Daniel Hughes — Pre Retirement (priority 91)
• · Stephen Ward — Contribution Stop (priority 90)
• · James Fletcher — Pre Retirement (priority 89)
• · Charlotte Wilson — Contribution Drop (priority 88)
• · Edward Lynd — High Earner Taper (priority 88)
• · Ben Hargreaves — High Earner Taper (priority 88)
• · Nadia Volko — High Earner Taper (priority 88)
• · Marcus Bellamy — High Earner Taper (priority 88)

Employee questions to expect

• · Ben Carter: “Which fund should I be in?”
• · Katie Lomax: “What is auto enrolment actually?”
• · Nadia Petrova: “Does salary sacrifice change my take-home pay?”
• · Charlotte Wilson: “If I lower my contribution for a year, what does that cost me later?”
• · Daniel Hughes: “Can I retire at 60 with what I've got?”
• · Mohammed Ali: “Should I combine my old pensions?”