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Knowledge hub

Check out one of our recent thought pieces below, or dive into our knowledge hub to see the latest thinking from across the Muse team!

Musings | 28 Sept 2026

Concentration risk in trustee services

What happens when a significant proportion of a scheme’s knowledge, governance activity and institutional memory becomes concentrated within a single organisation? Katherine Milton, who is part of our outsourced pensions management leadership team, looks at some of the challenges with concentration risk and outlines the key questions that trustees need to ask when assessing supplier concentration risk.

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Musings | 28 Sept 2026

Private markets in UK pension defaults

Private markets could be a valuable addition to UK pension scheme default funds, especially for members who are many years from retirement. This area, however, is not without its challenges. In this article, Paul Armitage, Head of DC at Muse, looks at what this means for charges and member communications.  

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Musings | 28 Sept 2026

AI governance

Artificial Intelligence (AI) is driving considerable change across many industries, including pensions, and whilst there are significant potential benefits available, the risks are real as well. Jo Fellowes explores where AI is currently being used and developed in the pensions industry and considers the changes in Trustee governance required to oversee data, security and cyber risk as AI use continues to evolve.

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The Team

KW Final

Katy Wilkinson

Consultant
RC

Robyn Cowan

Senior Consultant
Muse heads March 579 Edit

Geoff Francis

Senior Consultant

Cameron Halsall

Analyst
Adam Chate

Adam Chate

Senior Consultant

Laura Ospina-Castro

Junior Consultant
AJB Final

Adam Barker

Project Manager
CC Final

Clare Chilton

Consultant
MH Final

Margs Harvey

Business Administrator
RE Final

Reece Eley

Junior Consultant
EB Final

Emma Beard

Senior Consultant
RP Final

Robert Plumb

Senior Associate
HB Final

Hana Bailey

Senior Consultant
JF final

Jo Fellowes

Director

Muhammed Ansar

Project Analyst
IM Final

Ian McQuade

CEO
EMR Final

Ellen Ratcliffe

Principal Consultant
S Murdoch Headshot

Stuart Murdoch

Consultant

Paul McBride

Associate
KEM Final

Katherine Milton

Principal Consultant

Pemmy Opeaye

Analyst
ADC Final

Adrian Cooper

Head of Market Engagement
Susan Sinclair March 2025

Susan Sinclair

Senior Consultant
CW Final

Claire Wallis

Consultant
TK Final

Tammy King

Head of People
Mark dallaway

Mark Dallaway

Senior Associate
KJ Final

Kneale Jefferis

Administrator
DJ F Inal

Daniel Jacobson

Principal Consultant
AS Final

Antonella Sferrino

Associate

Iulia Chiorean

Administrator
Alan S Final

Alan Simpson

Financial Controller

Callum Taylor

Analyst
DN Final

Danuta Nott

Business Support Manager
CD Final

Cindy Dadier

Head of Operations

Peter Shaw

Principal
TO Final

Tom Oakley

Consultant
Amanda Cullen V1

Amanda Cullen

Senior Associate

Haydn Williams

Project Analyst

Stefan Ambrose

Administrator
RC Final

Rosanne Corbett

Director
PV Final

Pamjit Virdi

Senior Consultant
ER Final

Emma Rogers

Senior Consultant
PA Final

Paul Armitage

Head of DC
Ryan P Final

Ryan Perrin

IT Support Apprentice
KM Final

Kate Maloney

Client Director
Sharon Hine

Sharon Hine

HR & Business Support Administrator
TB Final

Tony Brown

Consultant
A JM Final

Auline-Jean Melbourne

Associate
OD Final

Olivia Devereese

Project Manager

Testimonials

When we selected Muse as our Risk Key Function Holder, we were looking for something special that would add value to the Scheme by constructively challenging our perspective. We were not disappointed.
Chair of Trustees, large Irish DC Scheme
Muse worked skillfully with the trustees, our advisers and our main Company contacts to help us review trustee board effectiveness and provide independent insights. Muse set their report in a strategic context for the scheme and it was evident Muse understood our unique challenges as well as comparisons to peer schemes. They framed proportionate views and made clear recommendations for actions that we are now taking forward. It has been a good piece of work, and worthwhile. It will help us work with the Company to make further progress on the scheme. The other trustees had not experienced an effectiveness review; they found it easy to work with Muse and engaged well with the trustee board’s discussion of the report findings.
Independent Trustee Chair, QinetiQ Pension Scheme
We appointed Muse to step in when our long-standing Pensions Manager announced his retirement. Their team managed to get up to speed quickly, complete an effective handover and ensure our day-to-day business continues to run, whilst at the same time helping us select, appoint and transition to a new administrator. Muse has become a key part of our team, coordinating activities across advisers. The Muse team has spotted opportunities to bring governance and market insight into the day to day management of our schemes. We feel we are in good hands and, importantly, enjoy working together.
Independent Chair of Trustees, John Laing

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