Join those blazing the innovation trail in pensions and retail investments

 

18 June 2019 – Lifetime Savings FinTech Evening

19 June 2019 – Conference

 

Hilton Tower Bridge, Tooley Street, London

 

From open pensions and retirement solutions, to robo advice and open APIs, Horizons: Lifetime Savings & Investments has it all.

 
This year’s event will bring together pioneers in the world of pensions, long-term savings and retail investments for boundary-pushing discussions set to break the mould and give your customers a more secure financial future. With an exclusive keynote from the Pensions Minister, forward-looking debate on the pensions dashboard and open pensions, and a deep dive into the minds of disruptive FinTechs, this is your opportunity to differentiate yourself from your competition.

Speakers

Guy Opperman, Department for Work & Pensions, Horizons Speaker

Guy Opperman

Pensions Minister, Department for Work and Pensions

Chris Knight - Lifetime Savings and Pensions 2018

Chris Knight

Chief Executive Officer, Retirement Retail, Legal & General

Isobel Langton - Lifetime Savings and Investments 2018

Isobel Langton

Chief Executive Officer, Intermediary Division, Royal London

Susie Logan, Standard Life, Horizons Speaker

Susie Logan

Brand and Marketing Director, Standard Life

Tom McPhail, Hargreaves Lansdown, Horizons Speaker

Tom McPhail

Head of Retirement Policy, Hargreaves Lansdown

Romi-Savova-PensionBee-Life-&-Pensions

Romi Savova

Founder and Chief Executive Officer, PensionBee

Helena Morrissey, Legal & General Investment Management, Horizons Speaker

Helena Morrissey

Head of Personal Investing, Legal & General Investment Management

Lisa Caplan, Nutmeg, Horizons Speaker

Lisa Caplan

Head of Financial Advice, Nutmeg

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More Speakers

What’s new in 2019?

Taking the pensions dashboard further: explore the untapped potential of open pensions

Robo advice of the future: uncover the potential of robo within the wider savings journey

From ESG products to cultural developments: discover what it takes for brands to truly resonate with customers

A spotlight on auto enrolment: gain insights on how consumers have reacted to the 8% increase, and what this means for accumulation strategies in years to come

Keep up to date with DB-DC developments

Learn how retirement solutions must evolve to reflect today’s retirement landscape

Lifetime Savings FinTech Evening

Join us from 6:30pm at the Hilton Tower Bridge on 18 June to network with peers and hear from the latest innovative startups.

Brand new to Horizons: Lifetime Savings & Investments 2019 – kick off the conference with our Lifetime Savings FinTech Evening! This evening is dedicated to exploring the best and brightest start-ups in pensions, long-term savings and retail investments, who are disrupting this traditional industry with their innovative approaches to money management. Hear from the exciting players who are transforming consumer budgeting, championing financial wellbeing, levelling the playing field for advice and more.  Get to know the new entrants and be inspired by real innovation happening today.

Victor Trokoudes, Plum, Horizons Conference Speaker

Showcase 1 | Plum

Plum operates on Facebook messenger, using algorithms to help customers save money effortlessly and painlessly every day.

Victor Trokoudes, Co-Fdounder and Chief Executive Officer, Plum

Nik Wenzl, Finimize, Horizons Speaker

Showcase 2 | Finimize

Finimize is on a mission to empower its userts to become their own financial advisors. They’re creating a toolkit that consists of financial news, education as well as tools to help them invest.

Nik Wenzl, Head of Business Development, Finimize

Showcase 3 | Multiply.ai

Savings and advice for freelancers and beyond… Multiply.ai helps customers make the most of big financial benefits, like a predictable income, cover for the unexpected and pension management. 

Senior representative, Multiply.ai

Showcase 4 | AgeWage

Simplifying pensions to make customer’s money work as hard as they do. #wageforolderage

Henry Tapper, Chief Executive Officer, AgeWage

Agenda

  • All Topics
  • Pensions
  • Investments
  • Technology & Innovation
  • Retirement Solutions
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Horizons: Lifetime Savings & Investments 2019 Wednesday, 19 June 2019

Session 1

The future of long-term savings and investments

09.10
Keynote address

Engaging customers throughout the retirement journey: the power of technology


  • Pensions
  • Investments
  • Technology & Innovation

Chris Knight - Lifetime Savings and Pensions 2018
Chris Knight

Chief Executive Officer, Retirement Retail , Legal & General

09.30

Championing customer-centric innovation


  • Technology & Innovation
  • Pensions

Susie Logan, Standard Life, Horizons Speaker
Susie Logan

Brand and Marketing Director , Standard Life

09.50

Keeping up with the pace of change: strategies for success

 


Omar Ali, EY, Horizons Conference Sponsor
Omar Ali

Managing Partner, UK Financial Services , EY

10.10
Keynote address

The pensions bill: a roadmap for the future


  • Pensions

Guy Opperman, Department for Work & Pensions, Horizons Speaker
Guy Opperman

Pensions Minister , Department for Work and Pensions

10.30
Leaders’ forum

From open APIs to robo: making the most of the opportunities ahead

  • The pensions dashboard: celebrating achievements, forecasting future developments
  • Open banking disruption: what are the greatest opportunities for pensions, savings and investments?
  • Open, collaborative, agile: how can the mindset of a traditional industry be shifted?
  • Evaluating the auto enrolment journey: what’s next for accumulation?
  • Bridging the advice gap: taking robo advice to its full potential

  • Technology & Innovation
  • Investments
  • Pensions
  • Retirement Solutions

Chris Knight - Lifetime Savings and Pensions 2018
Chris Knight

Chief Executive Officer, Retirement Retail , Legal & General

Susie Logan, Standard Life, Horizons Speaker
Susie Logan

Brand and Marketing Director , Standard Life

Isobel Langton - Lifetime Savings and Investments 2018
Isobel Langton

Chief Executive Officer, Intermediary Division , Royal London

Omar Ali, EY, Horizons Conference Sponsor
Omar Ali

Managing Partner, UK Financial Services , EY

Session 2

Pensions dashboard | Advice | Platforms

Saffron stage | The pensions dashboard: evaluating the present, envisaging the future
Teal stage: A word of advice...
Sapphire stage: Enhancing investment platforms - simple, personalised, agile
11.30
Fireside chat 

What’s next for the pensions dashboard

  • Reviewing recent developments: how close is the pensions dashboard to completion?
  • The race to locate a mass of pots: can they all be found before the dashboard is launched?
  • Standardising digital processes: is the industry prepared for integration with the pensions dashboard?
  • What more does the industry need from the DWP to accelerate execution?
  • Taking the pensions dashboard further: enabling transactions

  • Pensions

Tom McPhail, Hargreaves Lansdown, Horizons Speaker
Tom McPhail

Head of Retirement Policy , Hargreaves Lansdown

Yvonne Braun

Director of Policy, Long-Term Savings & Protection , Association of British Insurers

11.50
Case study

A successful pensions dashboard: lessons from Sweden

Sweden has successfully implemented a pensions dashboard, enabling members of the public to locate all their pension pots and manage their savings.  In this case study, Anders will explore the key impacts the Swedish pensions dashboard has had on the public and shed light on the key success factors in creating a pensions dashboard that delivers value.


  • Pensions
  • Technology & Innovation

Anders Lundstrom, Minpension, Horizons Speaker
Anders Lundström

Chief Executive Officer , Minpension.se

12.10

The pensions dashboard in action: mapping out the next steps


12.30
Debate and mobile voting 

Open pensions: a pipe dream or future reality?

  • Capitalising on new opportunities: data sharing, open APIs, partnerships
  • Defining the future: what will a world of open pensions look like?
  • Will customers ever engage with their pensions at the same level as other financial products?
  • Making the leap from the pensions dashboard to open pensions: in what timeframe will this be achieved?
  • What are the biggest hurdles to enabling open pensions today, and how can they be overcome?
  • FinTechs vs incumbents: who will triumph in the next 10 years?

  • Pensions
  • Technology & Innovation

Romi-Savova-PensionBee-Life-&-Pensions
Romi Savova

Founder and Chief Executive Officer , PensionBee

11.30
Case study | Nutmeg

A hybrid approach: strategies for success

Nutmeg is one of the most recognised organisations utilising robo advice, allowing customers to choose their investment risk levels, rebalance their portfolios and get their questions answered.  Nutmeg’s employees work alongside this technology to create a successful hybrid model.  In this case study, Lisa Caplan will explore the value of a hybrid robo approach and uncover the customer insights gained.


  • Investments
  • Technology & Innovation

Lisa Caplan, Nutmeg, Horizons Speaker
Lisa Caplan

Head of Financial Advice , Nutmeg

11.50

Taking robo advice further: exploring a wealth of potential

  • In what ways is robo advice successfully utilised within the savings and investments industry right now?
  • Overcoming the hurdles: what stands in the way of wide-spread robo adoption within the industry?
  • From accumulation guidance to post-retirement advice: where else could robo advice be applied?
  • Next-stage robo advice: who’s leading the way?

  • Investments
  • Technology & Innovation
  • Retirement Solutions

Stephen Lowe
Stephen Lowe

Group Communications Director , Just Group

12.10

The future of advice: tech-led innovation


12.30
Panel discussion

Tackling the widening advice gap

  • An update on FAMR: how far has FAMR gone in achieving its goals?
  • From Millennials to retirees: which demographics are in most need of advice, and what more can be done to support them?
  • The rise of trackers and mirror investing: is this a potential solution to the widening advice gap?
  • Keeping it simple: how much progress has been made in simplifying retirement options?
  • Protecting vulnerable customers: what more needs to be done across the industry to ensure accurate advice is given?

  • Investments
  • Technology & Innovation

Lisa Caplan, Nutmeg, Horizons Speaker
Lisa Caplan

Head of Financial Advice , Nutmeg

Stephen Lowe
Stephen Lowe

Group Communications Director , Just Group

11.30

Delivering a seamless investment journey

  • Next-generation investment platforms: innovating to remain relevant
  • Cutting out the noise: simplifying end-to-end customer experiences
  • Which elements can be personalised?
  • Developing user-friendly interfaces: strategies for success

  • Investments
  • Technology & Innovation

Giovanni Dapra, MoneyFarm, Horizons Speaker
Giovanni Dapra

Co-Founder & Chief Executive Officer , MoneyFarm

11.50
Panel discussion

The evolution of platforms

  • Who are the players successfully innovating in this space, and what sets them apart?
  • Unlocking the value of data analytics: how can existing data sets be used to better understand customer behaviours and needs?
  • Fast, reliable, simple: what roles will AI and RPA have to play in this transformation of platforms?
  • Attracting the right talent: how can platforms grab the attention of the digitally-skilled?
  • A glimpse into the future: what other services might platforms provide in years to come?

  • Investments
  • Technology & Innovation

Verona Kenny, Seven Investment Management, Horizons Speaker
Verona Kenny

Head of Intermediary , Seven Investment Management

Giovanni Dapra, MoneyFarm, Horizons Speaker
Giovanni Dapra

Co-Founder & Chief Executive Officer , MoneyFarm

12.15

Navigating a fast changing landscape: coming out on top


12.35
Roundtable discussions

Room 101: the investment platform edition

Put yourself in the customers’ shoes… What are the biggest frustrations with today’s investment platforms?  What processes need to be removed? This is your chance to raise the key challenges customers face on their investment journeys, debate with your peers and fight to get your chosen pet peeve banished deep into Room 101.


  • Investments
12.50

Lunch sponsored by EY

Session 3

Distribution | Pensions transfers | Product innovation

Saffron stage: Taking distribution to the next level - from new digital channels to open APIs
Teal stage: A spotlight on pension transfers
Sapphire stage: Investment product innovation - meeting customer demands
14.15

Understanding the value of open APIs


  • Technology & Innovation
14.35

Thriving in an open landscape


14.55
Fireside chat

Embracing innovative distribution channels: from voice to marketplaces

  • Keeping pace with the platform-led world: how can the long-term savings and investments industry keep up?
  • The rise of digital marketplaces: is this a viable strategy for all products?
  • “OK Google, open a LISA”: what are the biggest opportunities and challenges for voice-tech in this industry?
  • How has GDPR impacted distribution strategies to date?
  • Earning and keeping customer trust: how can the industry encourage customers to share their data?
  • Creating an holistic marketing and distribution strategy: where are the greatest examples of innovation?
  • Which emerging distribution channels will be the most fruitful in the next 5 years?

  • Pensions
  • Investments
  • Technology & Innovation

Michael Watkins - Smart Pension
Michael Watkins

Head of Proposition Development , Smart Pension

David Nottingham, Wesleyan, Horizons Speaker
David Nottingham

Head of Marketing Strategy , Wesleyan

14.15
Fireside chat 

DB-DC transfers: the next mis-selling scandal?

  • Evaluating post pension freedom activity: what are customers doing with their pots?
  • DB-DC mis-selling: why is it happening and how can it be stopped?
  • Protecting customers at retirement: what else can the regulator do?

  • Pensions

Ian Price, St James's Place Wealth Management, Horizons Speaker
Ian Price

Divisional Director , St James’s Place Wealth Management

Debbie Gupta, FCA, Horizons Speaker
Debbie Gupta

Director of Life Insurance and Financial Advice Sector , Financial Conduct Authority

14.40

Fast, agile, transparent: transfers of the future


15.00

From transfers to consolidated pots: fast, efficient, simple

  • Overcoming the challenge of slow pension transfers: what’s holding the industry back?
  • From DC-DC switches to pot consolidation: making customer experiences painless and efficient
  • The importance of industry-wide standardisation: re-defining and simplifying transfer processes

  • Pensions
  • Technology & Innovation

Romi-Savova-PensionBee-Life-&-Pensions
Romi Savova

Founder and Chief Executive Officer , PensionBee

14.15

The rise of ESG and responsible investing

  • Listening to global cultural interests: what’s important to customers today?
  • Meeting ESG requirements whilst delivering returns: where are the best opportunities?
  • Strengthening the reputation of investment managers: ESG and responsible investing as a competitive advantage

  • Investments

James Lawson, Tribe Impact Capital, Horizons Speaker
James Lawson

Co-Founder , Tribe Impact Capital

14.35

Investment products of the future: what can be expected?


14.55

Attracting new demographics: reflecting cultural interests


  • Investments
Session 4

Encouraging the public to save - what's next for accumulation?

15.50

Auto enrolment: what now and where next?

  • The jump to 8%: evaluating reactions to an increase in contribution
  • Key lessons learned from the AE journey to date
  • From the gig economy to further contribution increases: what’s next for auto enrolment?

  • Pensions

Alistair McQueen Head of Savings and Retirement Aviva
Alistair McQueen

Head of Savings and Retirement , Aviva

16.10

Making savings a must-have for all


16.30
Panel discussion 

Creating a savings mindset for the nation

  • Going beyond pensions: what more can the workplace do to champion financial wellbeing?
  • The power of real-time updates: how can visibility of daily spending be used to encourage savings?
  • Embedding savings into every-day lives: is micro investing the way forward?
  • NEST’s side car pilot: what can be learned from successful product innovation in the industry?
  • The expanding world of ISAs: how might other savings products benefit from the lessons of AE?
  • From pensions to LISAs: how will customers choose to save in the future, and why?

  • Pensions
  • Investments

Nathan Long Head of Corporate Pensions Research Hargreaves Lansdown
Nathan Long

Senior Pensions Analyst , Hargreaves Lansdown

Helena Morrissey, Legal & General Investment Management, Horizons Speaker
Helena Morrissey

Head of Personal Investing , Legal & General Investment Management

Will Sandbrook speaking at Horizons Lifetime Savings & Investments
Will Sandbrook

Executive Director , NEST

Session 5

Retirement solutions - taking innovation further

17.00

Retirement solutions of tomorrow: flexibility is king

  • From lock-ins to inheritance: what’s discouraging customers from purchasing annuities?
  • Personalised, varied, flexible: what will the future look like for flexible retirement solutions?
  • Developing flexible drawdown options: strategies for success
  • Which industry developments hold the most potential?

  • Retirement Solutions
  • Technology & Innovation

Adrian Boulding Director of Policy NOW:Pensions
Adrian Boulding

Director of Policy , NOW: Pensions
Chief Innovation Officer , Spire Platforms Solutions

17.20

Triumphing in a new age of retirement planning


17.40

Developing a fruitful investment strategy for retired customers

  • The shift from accumulation to decumulation: uncovering the changes in customer needs
  • Defining new investment strategies for post-retirement customers
  • Creating a centralised retirement proposition: in what timeframe will this be developed?

  • Investments
  • Retirement Solutions

Guiseppe Caltabiano, M&G Investments, Horizons Speaker
Giuseppe Caltabiano

Previous Head of D2C , M&G Investments

18.00
Panel discussion 

Catering for a longer-living nation

  • The elephant in the room: how can the looming DC deficit be overcome?
  • Funding for long-term care: what options are available to customers today?
  • Equity release: the good, the bad, the ugly
  • Encouraging and embracing an older workforce: how can senior workers be supported?
  • Looking beyond pensions and ISAs: should other assets be taken into consideration?
  • From Norway to Japan: what can be learned from other countries?

  • Pensions
  • Investments
  • Retirement Solutions

Benjie Fraser speaking at Horizons Lifetime Savings and Investments
Benjie Fraser

Managing Director, Global Pensions Executive , JP Morgan

Guiseppe Caltabiano, M&G Investments, Horizons Speaker
Giuseppe Caltabiano

Previous Head of D2C , M&G Investments

Patrick Connolly, Chase de Vere, Horizons Speaker
Patrick Connolly

Head of Communications , Chase de Vere

Steve Lewis, LV=, Horizons Speaker
Steve Lewis

Retirement Director , LV=

18.30

Chair's closing remarks

"This continues to be one of the top conferences for financial services, attracting some of the most influential speakers and attendees."

Head of Pensions Strategy, Standard Life

“This is an excellent conference which brings together an interesting range of speakers from across a range of providers to debate the challenges faced in pensions, investments and long term savings."

Chief Executive Officer, Hargreaves Lansdown

"An interesting and challenging combination of presentations and panel discussions which highlighted the scale of the opportunity and the challenges we face in equal measure in the lifetime savings market."

Head of Retirement Propositions, Zurich Global Corporate

“Horizons: Lifetime Savings & Investments conference always explores developments at the cutting edge, so it is invaluable for keeping up to date with actual and potential new technology solutions."

Head of Financial Research, Aviva

“The conference provided the perfect platform and thought leadership. Bringing together an impressive blend of industry professionals, that are passionate about making positive change across pensions, investments and long-term savings."

Head of Operations, Smart Pension

"Superb networking opportunity!"

Deputy CEO, Monzo Bank

"Excellent event with strong industry leadership presence covering a breadth of topical areas."

Distribution Director, Scottish Widows

Tickets

Book now for 2019. All tickets include:

2 day conference pass, lunch & refreshments and a drinks reception. Plus speaker documentation from this year for a limited time only.

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