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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

Alan S Final

Alan Simpson

Financial Controller
Mark dallaway

Mark Dallaway

Senior Associate

Callum Taylor

Analyst
Susan Sinclair March 2025

Susan Sinclair

Senior Consultant

Cameron Halsall

Analyst

Muhammed Ansar

Project Analyst
Amanda Cullen V1

Amanda Cullen

Senior Associate
AJB Final

Adam Barker

Project Manager

Haydn Williams

Project Analyst
CD Final

Cindy Dadier

Head of Operations
AS Final

Antonella Sferrino

Associate
TO Final

Tom Oakley

Consultant
RC

Robyn Cowan

Senior Consultant
MH Final

Margs Harvey

Business Administrator
HB Final

Hana Bailey

Senior Consultant
OD Final

Olivia Devereese

Project Manager
IM Final

Ian McQuade

CEO
ADC Final

Adrian Cooper

Head of Market Engagement
KM Final

Kate Maloney

Client Director
Sharon Hine

Sharon Hine

HR & Business Support Administrator
ER Final

Emma Rogers

Senior Consultant
EMR Final

Ellen Ratcliffe

Principal Consultant
Muse heads March 579 Edit

Geoff Francis

Senior Consultant
RC Final

Rosanne Corbett

Director

Pemmy Opeaye

Analyst
PV Final

Pamjit Virdi

Senior Consultant
KJ Final

Kneale Jefferis

Administrator
S Murdoch Headshot

Stuart Murdoch

Consultant
RE Final

Reece Eley

Junior Consultant
Ryan P Final

Ryan Perrin

IT Support Apprentice
EB Final

Emma Beard

Senior Consultant
TK Final

Tammy King

Head of People

Laura Ospina-Castro

Junior Consultant
A JM Final

Auline-Jean Melbourne

Associate
TB Final

Tony Brown

Consultant
CC Final

Clare Chilton

Consultant

Iulia Chiorean

Administrator
JF final

Jo Fellowes

Director
RP Final

Robert Plumb

Senior Associate
Adam Chate

Adam Chate

Senior Consultant

Paul McBride

Associate

Peter Shaw

Principal
CW Final

Claire Wallis

Consultant
KEM Final

Katherine Milton

Principal Consultant

Stefan Ambrose

Administrator
KW Final

Katy Wilkinson

Consultant
DJ F Inal

Daniel Jacobson

Principal Consultant
DN Final

Danuta Nott

Business Support Manager
PA Final

Paul Armitage

Head of DC

Testimonials

Knowing that commercial links may exist between some consultants and pension service providers, it was Muse’s clear independence that made the difference for us. Firstly, they helped us to consider the different types of DC scheme available, without having a particular product that they were looking to sell. On the second occasion, we were considering Fiduciary Management. Muse helped us understand the pros and cons of Fiduciary Management compared with our current service. Whilst we didn’t move to Fiduciary Management, we did make changes to the way that we work with our appointed investment consultant.
Former Group Head of HR, Drax Group plc
Muse were able to understand the different styles and requirements of our two Trustee Boards and guide them both through a process, which resulted in a robust decision having carefully considered the right sort of provider and the requirements of the service. Their insights into the market and broad understanding of the part covenant advice plays in integrated risk management was invaluable in evaluating the market, and their facilitated process helped maximise effective use of pensions staff and trustee time.
Pensions Operations Manager, ScottishPower and Manweb Pension Schemes
When we needed external facilitation for a strategy orientated governance review, Julia and her colleagues at Muse Advisory understood just what was required. As a result of their considerable sector knowledge and experience they were able to hit the ground running and work with the Trustees to achieve their objectives in an efficient and effective manner.
Chair of Trustees, Nationwide Pension Fund

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