Our key persons are senior, experienced pension professionals. Individually they have qualifications in a wide range of pension-related professions. This enables each individual to serve their clients in a professional manner, while drawing support from the collective expertise of the team as a whole.

Given the seriousness of a scheme closure to its members, we are very sensitive to costs, including our own, and consistently monitor our systems and processes to ensure that they remain cost-effective.

It is our firm belief that a major role of trustees is ensuring good quality communication with members. At the beginning of a closure, we issue a comprehensive "Q&A" document to minimise unnecessary communication, with the cost savings passed on to the scheme. Then, where appropriate, we can establish scheme-specific websites, email accounts and dedicated phone lines, thereby ensuring communication remains efficient throughout the scheme closure.

To facilitate the smooth closure, where size warrants, we will normally establish a "consultative committee". This will be made up of representatives across the entire scheme, thereby helping us to meet the needs of the scheme’s potentially diverse spectrum of members.