Join those blazing the innovation trail in pensions and retail investments

 

18 June 2019 – Pre-Conference FinTech Evening

19 June 2019 – Main 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.

 

2019’s event will bring together leading innovators in the world of pensions, long-term savings and retail investments to discuss the hottest topics facing the industry right now. Highlights will include an exclusive keynote from the Pensions Minister, forward-looking debate on the pensions dashboard and a deep dive into the minds of innovative FinTechs.

“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

"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

“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

"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

"Superb networking opportunity!"

Deputy CEO, Monzo Bank

“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

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

Distribution Director, Scottish Widows

Hybrid advice models

Robo has had its fair share of attention in the past few years, but the wealth of potential still remains. Find out how robo advice can provide further customer insights and hear about alternative use cases for retired clients.

Innovating retirement solutions

Be a driver of change and join the conversation that will help transform the retirement products of today. Dive deeper into fruitful investment strategies, flexible products and longevity.

The future of retail investments

Enjoy an entire stage dedicated to ESG investments, seamless digital journeys, D2C platform evolution and more. Get your burning questions answered and strengthen your connections during the Room 101 roundtable discussion.

The pensions dashboard and open pensions

Discover what’s next for the pensions dashboard: learn from Sweden’s dashboard success and uncover the exciting potential of open pensions – make sure that you and your company are ready for an open and connected future.

FinTech fever!

Meet the FinTechs transforming the savings and investments industry at our brand new Lifetime Savings FinTech Evening. Learn about their innovative offerings and keep your ear to the ground on disruption in the industry.

Championing a savings mind-set

What else can be done to encourage customers to save? Share your side of the story as everyone comes together to discuss auto enrolment, attitudes to saving, micro investing and more.

Speakers

Guy Opperman, Department for Work & Pensions, Lifetime Savings & Investments Conference

Guy Opperman

Pensions Minister, Department for Work and Pensions

Chris Knight, Legal & General, Lifetime Savings & Investments Conference

Chris Knight

Chief Executive Officer, Retirement Retail, Legal & General

Isobel Langton, Royal London, Lifetime Savings & Investments Conference

Isobel Langton

Chief Executive Officer, Intermediary Division, Royal London

Romi Savova, PensionBee, Savings & Investments Conference

Romi Savova

Founder and Chief Executive Officer, PensionBee

Tom McPhail, Hargreaves Lansdown, Savings & Investments Conference

Tom McPhail

Head of Retirement Policy, Hargreaves Lansdown

Gail Baillie, Standard Life, Savings & Investments Conference

Gail Baillie

Head of Digital and CRM, Standard Life

Helena Morrissey, Legal & General Investment Management, Savings & Investments Conference

Helena Morrissey

Head of Personal Investing, Legal & General Investment Management

Lisa Caplan, Nutmeg, Savings & Investments Speaker

Lisa Caplan

Head of Financial Advice, Nutmeg

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More Speakers

The agenda

FinTech Evening

18.00 – 19.35 | 18 June | Hilton Tower Bridge

Kick off the conference with our brand new FinTech Evening dedicated to exploring the best and brightest start-ups in pensions, long-term savings and retail investments.  Get to know the new entrants and be inspired by real innovation happening today!

Nik Wenzl, Finimize, Horizons Speaker

Showcase 1 | Finimize

Finimize is on a mission to empower its users 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

Vivek Madlani, Multiply ai, Savings & Investments Conference

Showcase 2 | 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.

Vivek Madlani, Co-Founder and Chief Executive Officer, Multiply.ai

Showcase 3 | AgeWage

AgeWage aims to provide consumers and pension providers with value-for-money scores, allowing everyone to compare pensions and make informed decisions. #wageforolderage

Henry Tapper, Chief Executive Officer, AgeWage

Brendan Meehan, InvestSuite, Savings & Investments Conference

Showcase 4 | InvestSuite

InvestSuite is on track to provide institutions with competitive advantages thanks to their cutting-edge white-label products, specializing in robo advice as well as self-execution trading platforms.

Brendan Meehan, Growth Manager, InvestSuite

Joseph Twigg, Hatch AI, Savings & Investments Conference

Showcase 5 | Hatch AI

Hatch AI is putting the human at the heart of technology with its Human+ platform. They use speech technology, machine learning and natural language processing to transform client interaction.

Joseph Twigg, Chief Executive Officer, Hatch AI

  • All Topics
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Horizons: Lifetime Savings & Investments - Wednesday 19 June 2019

Welcome address & Chair's opening remarks | 09.00

Holly Mackay, Chief Executive Officer, Boring Money


Session 1

The future of long-term savings and investments

09.10
Keynote address

Engaging customers throughout the retirement journey: the power of technology

Improving customer engagement is critical for the industry and must be a priority for years to come.  During his keynote, Chris will address how technology can transform engagement with end-user customers and improve communications throughout the retirement journey.


Chris Knight, Legal & General, Lifetime Savings & Investments Conference
Chris Knight

Chief Executive Officer, Retirement Retail , Legal & General

09.30
Keynote Address

Championing customer-centric innovation

Gail will address how customer-centric innovation can be achieved and how the industry can become customer-centric during this pinnacle time of change.


Gail Baillie, Standard Life, Savings & Investments Conference
Gail Baillie

Head of Digital and CRM , 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

Guy Opperman has made the value of the pensions bill clear.  In this keynote, hear the Pensions Minister outline the future roadmap and get crucial updates on the pensions bill to date.


Guy Opperman, Department for Work & Pensions, Lifetime Savings & Investments Conference
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

Chris Knight, Legal & General, Lifetime Savings & Investments Conference
Chris Knight

Chief Executive Officer, Retirement Retail , Legal & General

Gail Baillie, Standard Life, Savings & Investments Conference
Gail Baillie

Head of Digital and CRM , Standard Life

Isobel Langton, Royal London, Lifetime Savings & Investments Conference
Isobel Langton

Chief Executive Officer, Intermediary Division , Royal London

Anita Kimber, EY, Savings & Investments Conference
Anita Kimber

Partner, Digital and Innovation - Financial Services , EY

11.00

Refreshments

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

Chaired by Holly Mackay, Chief Executive Officer, Boring Money


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

Tom McPhail, Hargreaves Lansdown, Savings & Investments Conference
Tom McPhail

Head of Retirement Policy , Hargreaves Lansdown

Yvonne Braun, Association of British Insurers, Lifetime Savings & Investments Speaker
Yvonne Braun

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

12.00
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.


Anders Lundstrom, Minpension, Savings & Investments Speaker
Anders Lundström

Chief Executive Officer , Minpension.se

12.20
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?

Romi Savova, PensionBee, Savings & Investments Conference
Romi Savova

Founder and Chief Executive Officer , PensionBee

Dan Hedley, Fidelity International, Savings & Investments Conference
Dan Hedley

Director Public Policy , Fidelity International

Chaired by Henry Tapper, Chief Executive Officer, AgeWage


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.


Lisa Caplan, Nutmeg, Savings & Investments Speaker
Lisa Caplan

Head of Financial Advice , Nutmeg

11.50

Questions


11.55

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?

Stephen Lowe, Just Group, Savings & Investments Speaker
Stephen Lowe

Group Communications Director , Just Group

12.15

Questions


12.20
Fireside chat

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?

Lisa Caplan, Nutmeg, Savings & Investments Speaker
Lisa Caplan

Head of Financial Advice , Nutmeg

Stephen Lowe, Just Group, Savings & Investments Speaker
Stephen Lowe

Group Communications Director , Just Group

Jonathan Barrett, ABAKA, Savings & Investments Conference
Jonathan Barrett

Director of Business Development and Partnerships , ABAKA

Chaired by Philip Cottis, Strategic Innovation Lead, Hargreaves Lansdown


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

Oliver Vins, Moneyfarm, Savings & Investments Conference
Oliver Vins

Head of Product , Moneyfarm

11.50
Fireside chat

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?

Verona Kenny, Seven Investment Management, Savings & Investments Conference
Verona Kenny

Head of Intermediary , Seven Investment Management

Oliver Vins, Moneyfarm, Savings & Investments Conference
Oliver Vins

Head of Product , Moneyfarm

12.20
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.


Philip Cottis, Hargreaves Lansdown, Savings & Investments Conference
Philip Cottis

Strategic Innovation Lead , Hargreaves Lansdown

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

Chaired by Tom McPhail, Head of Retirement Policy, Hargreaves Lansdown


14.05
Case study | Money Dashboard

Understanding the value of open APIs

Money Dashboard, the round-up investment app, has capitalised on the opportunities of open APIs and open banking by creating partnerships with both challenger and incumbent banks.  In this case study, Raonull will shed light on Money Dashboard’s open banking journey and explore how the savings and investments industry can use open APIs to enhance digital distribution capabilities.


14.25
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?

Michael Watkins, Smart Pension, Savings & Investments Conference
Michael Watkins

Head of Proposition Development , Smart Pension

David Nottingham, Wesleyan, Savings & Investments Conference
David Nottingham

Head of Marketing Strategy , Wesleyan

14.05
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?

Ian Price, St James's Place Wealth Management, Savings & Investments Conference
Ian Price

Divisional Director , St James’s Place Wealth Management

Debbie Gupta, FCA, Savings & Investments Conference
Debbie Gupta

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

14.35

From transfers to consolidated pots: driving speed, efficiency and simplicity

  • 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

Romi Savova, PensionBee, Savings & Investments Conference
Romi Savova

Founder and Chief Executive Officer , PensionBee

14.05

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

James Lawson, Tribe Impact Capital, Savings & Investments Conference
James Lawson

Co-Founder , Tribe Impact Capital

14.25

Partnership-driven innovation: the key to success 

  • Strengthening brands by meeting customer demands: what do customers really want?
  • Becoming a digitally agile industry: what changes still need to be done and what remains a priority?
  • Uncovering the value of incumbent-FinTech partnerships: the road to fruitful innovation

Tom Stevens, ETFmatic, Savings & Investments Conference
Tom Stevens

Chief Commercial Officer , ETFmatic

14.45

Questions


Session 4

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

Chaired by Tom McPhail, Head of Retirement Policy, Hargreaves Lansdown


15.25

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?

Alistair McQueen, Aviva, Savings & Investments Conference
Alistair McQueen

Head of Savings and Retirement , Aviva

15.45
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?

Nathan Long, Hargeaves Landsdown, Savings & Investments Speaker
Nathan Long

Senior Pensions Analyst , Hargreaves Lansdown

Helena Morrissey, Legal & General Investment Management, Savings & Investments Conference
Helena Morrissey

Head of Personal Investing , Legal & General Investment Management

Will Sandbrook, NEST, Savings & Investments Conference
Will Sandbrook

Executive Director , NEST

Victor Trokoudes, Plum, Savings & Investments Conference
Victor Trokoudes

Co-Founder and Chief Executive Officer , Plum

Session 5

Retirement solutions - taking innovation further

Chaired by Holly Mackay, Chief Executive Officer, Boring Money


16.15

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?

Adrian Boulding, Spire Platform Solutions, Savings & Investments Speaker
Adrian Boulding

Chief Innovation Officer , Spire Platforms Solutions

16.35

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?

Giuseppe Caltabiano, M&G Investments, Savings & Investments Conference
Giuseppe Caltabiano

Former Head of D2C , M&G Investments

16.55
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?

Benjie Fraser, JP Morgan, Savings & Investments Conference
Benjie Fraser

Managing Director, Global Pensions Executive , JP Morgan

Giuseppe Caltabiano, M&G Investments, Savings & Investments Conference
Giuseppe Caltabiano

Former Head of D2C , M&G Investments

Patrick Connolly, Chase de Vere, Savings & Investments Conference
Patrick Connolly

Head of Communications , Chase de Vere

Steve Lewis, LV=, Savings & Investments Speaker
Steve Lewis

Retirement Director , LV=

Ben Stanway - Moneybox - Horizons
Ben Stanway

Co-founder , Moneybox

17.30

Chair's closing remarks

Tickets

Book now! All tickets include:

Lifetime Savings FinTech Evening and 1 day conference pass, lunch & refreshments and a drinks reception.

Group Discount

15% off

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Hilton Tower Bridge, Tooley Street, London

Hilton Tower Bridge, London

5 More London Place, Tooley Street, London SE1 2BY

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