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Pensions Winter Forum: Practical aspects of blending annuities and drawdown in retirement

Wednesday 1 December 2021 13:30 - 14:30

Spaces available

Welcome to the Pension Winter Forum. Over the coming months, key industry speakers will share their views and insights on what is affecting the pensions industry through this brand new series of IFoA webinars that are free to access for IFoA members.

Further webinars will be added over the coming weeks.

Pensions Winter Forum: Practical aspects of blending annuities and drawdown in retirement

The IFoA Policy Briefing “Can we help consumers avoid running out of money in retirement” examined the benefits of blending a lifetime annuity with income drawdown. The findings were that combining annuities and drawdown is likely to provide consumers with better outcomes.

The panelists, including providers and advisers, will look at the market practicalities of taking the actuarial theory through into the core advice propositions used by IFAs and Fund Managers. They will share a number of practical issues such as investment consequences before and after retirement and the level of annuity that is appropriate and answer questions from the audience.


Adrian Boulding, Chairman, Spire Platform Solutions Adrian Boulding 

Adrian Boulding is an experienced pensions professional with a broad range of interests including automatic enrolment, retirement income, taxation, portfolio risk and member engagement. Trained as an Actuary and Trustee, Adrian is a keen communicator, an agent for change and holds a variety of roles in the pensions industry, including Chair of the fintech innovator Spire Platform Solutions. He is a past winner of Pensions Management Institute’s annual award for the outstanding contribution to the pensions industry and the Pension Network’s award for the most charismatic pensions person.

Emma Watkins, Managing Director of Retirement and Longstanding, Scottish Widows Watkins 

Emma joined Lloyds Banking Group in 2015 to help set up the Bulk Annuities proposition in Scottish Widows.  Her role has expanded over the last 6 years, with her most recently taking on the role of Managing Director for Retirement and Longstanding in January 2021, where she has responsibility for the retirement journey, individual and bulk annuities and supporting loan investments, and longstanding propositions. Prior to joining, Emma was a partner at LCP, specialising in helping trustees and companies manage defined benefit pension scheme risk using insurance solutions.  

Having completed a degree in Microbiology she transferred from the scientific technology industry to pensions in 1997.  With over 22 years’ experience in the field and having held a number of senior positions at several other insurance companies, Emma also supports a number of industry organisations, including the Pensions Management Institute where she is on Council and the Pensions Administration Standards Association on their Board.

Rupert Smith, IFA

Andrew Gilbert, Head of Product Development, Growth & Innovation, Just Retirement (Actuary)

Peter Ellis, CEO, Spire Platform Solutions Peter Ellis (Chair)

Event organiser

Contact Events Team for more information.

0207 632 1498

Pricing information

Member Free
Student member Free
Non-member £45


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