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We provide cost effective, pension advisory services for trustees, actuaries, financiers and individuals seeking pension advice. Get in Touch

I didn’t know what I needed when I approached Savants I just knew I needed some help with my pension. As a trustee it can be quite worrying knowing you legal position. They took me through my options logically and laid everything out for me to see the clear picture. I can’t thank them enough for taking the time to help me understand my position and solving the issues I had, I can’t recommend them enough.

Jaime T, Lymington UK 

Pension Advisory Services Unparalleled in the Industry

Savants Covenant Advisory Limited is an independent advisory company specialising in employer covenant reviews for trustees and employers.

We are a boutique company, drawing on our experience to provide a cost effective, personal service for pension trustees, actuaries, financiers and individuals. We have administered over 550 corporate insolvency appointments and over 750 employer covenant reviews.


How Our Pension Advisory Services Can Help You or Your Business

Our clients benefit from our strength of resources and depth of experience. We are independent of conflicts, provide high quality work and a responsive service. We have a deep understanding of the Pensions Regulator and are fully licensed to act in insolvency arrangements.

Pension Covenant Reviews

We provide cost effective and dynamic reviews of the covenant strength of employer’s defined benefit pension schemes. We ensure that Employer businesses properly understand their liabilities to the defined benefit pension schemes in order that they can properly fulfil their obligations to the scheme’s members.

Negotiations between Employers and Trustees

We are able to effectively lead negotiations on behalf of either Employers or Trustees of defined benefit pension schemes. We understand that there is often a gulf between Employer’s pension liabilities and the affordability of the deficit contributions required to provide for all members when they retire.

Claims made for Pension Schemes in formal insolvency

We can assist Trustees in negotiating the value of a pension schemes in formal insolvency. As we undertake Covenant Reviews and act an insolvency office holders we understand the computations used to calculate any deficit in a defined benefit scheme and what it is fair to claim in insolvency proceedings. We understand that these negotiations can be delicate, and we endeavour to ensure the best outcome for all.

Regulated Apportionment Arrangements

Businesses facing financial difficulties that also have defined benefits pension schemes may be able to take advantage of a statutory process called a Regulated Apportionment Arrangement (“RAA”). Both the Pensions Regulator (“tPR”) and the Pensions Protection Fund (“PPF”) need to be in agreement. Our advisors are ideally placed to facilitate this in order to ease the financial burden on your business.

Find out how Savants' Pension Advisory Services can help your organisation.

Get in touch . Receive your no obligation call from us.