Pension Funds Editing and Proofreading Services

Pension communication has a structural problem: the decisions that matter most are made by people at the point of least engagement, about a sum of money they will not touch for decades, using documents produced to satisfy statutory requirements. A member reads a benefit statement once a year, sees a large number and a small number, and cannot tell which one matters. Trustees, meanwhile, produce governance documents that must satisfy regulators, employers and advisers simultaneously, in a field where the language has become so specialised that plain explanation is treated as a separate workstream.

We edit what pension schemes, trustees and their advisers produce — annual benefit statements and projections, member booklets and scheme guides, retirement option packs and wake-up communications, transfer value statements and warnings, investment option and default fund explanations, statements of investment principles and implementation statements, chair's statements and governance reporting, actuarial valuation summaries for members and employers, covenant assessments, de-risking and buy-in or buyout communications, wind-up and consolidation notices, trustee board and committee papers, and employer consultation material for scheme changes. Our editors check that member material is comprehensible to someone with no financial background, and that governance documents say what was decided rather than that a process was followed.

The annual benefit statement is the one document nearly every member receives, and its central failing is that it reports a pot rather than an outcome. A member sees £84,000 and has no idea whether that is adequate, because the number they need — what income it might produce, at what age, alongside the state pension — is either absent, buried, or expressed in a projection so hedged it conveys nothing. We rewrite these so the projected annual income appears first, in today's money, with the state pension shown alongside so the member sees the total they would live on. Then the two levers that actually change it — contributing more and retiring later — quantified: what an extra £50 a month would add, and what working two more years would add. Schemes that present statements this way see contribution increases from members who have never previously engaged, which no amount of general encouragement achieves.

Everything you send is treated in strict confidence, including trustee papers, member data and valuation material. We are editors rather than actuaries, advisers or lawyers, and nothing here is financial advice; member communications must be approved by your trustees and their professional advisers. What we can do is make the writing plain, accurate and genuinely useful to the member reading it.