Highlights In This Section
Are you saving enough?
Find out how much your lifestyle could cost when you retire and how to work out if your savings are on track.
Try it nowIf you could do one thing to boost your financial wellbeing, what would it be?
One step, one simple action - sometimes that’s all it takes to kick start a journey to a more financially-aware and happier you.
6-11 November is Talk Money Week – an awareness campaign designed to get us all talking more about the pennies in our pocket, our thoughts and feelings around money, and how and where to get help if and when we need it.
In support of the campaign, we are asking all members of the Amey pension scheme to do one thing today, tomorrow and any other day, to help get them a step closer to understanding their pension, their wider finances and the reason why it’s important to talk about money.
What’s your ‘one thing’?
What one thing will you do this week when it comes to your Amey pension? Start with the basics. Have you visited your pension website recently? Have you filled in your Expression of Wish form? Do one thing today to get you on track.
We’ve provided you with some ideas below. Depending on how much time you have to spend, we encourage you take more than one of the actions listed. Ideally, you’d use the below as a checklist to refer back to regularly to ensure you’re
in the driving seat when it comes to your retirement income. Consistency is key and we are here to support you get the most out of your pension.
- Complete or update your Expression of Wish form so the Trustee knows who you want a lump sum to go to if you die before you come to claim it
- If retirement is fast approaching for you, be sure to check out the Lifestyle costs in retirement page – follow the instructions to get a view of how much you might need to live a happy life in retirement
- Request an estimate of your pension – it’s never too early or too late to plan for retirement, the sooner you start the better. Call 0345 112 0025 or email railpen@amey.com to request an estimate.
- Ask us a question if you’re unsure of anything – call or email Railpen, the administrator of your Amey pension, if you have a question
Talk money - any day, any time
Quite often, it’s saying the words out loud that’s the hardest part. But talking money is important for so many reasons. Research shows that people who talk about money:
- make better and less risky financial decisions
- have stronger personal relationships
- help their children form good lifetime money habits
- feel less stressed or anxious and more in control
Building money conversations into our everyday lives also helps us build financial confidence and resilience to face whatever the future throws at us. You may want to start chatting to your partner, sibling, parent or friend about your pension and wider
financial priorities. If you have children, you may want to start laying the foundations of financial know-how and awareness in through simple conversations on the topic of money.
Whatever your situation or approach, the importance of breaking the stigma around money talk and being more open about financial matters and their influence on our everyday lives could be said to be paramount in today’s world.
Matt Riley
Manager
Matt joined Zedra Governance Limited (formerly PTL) in January 2008 having previously worked for Mercer Limited, Hazell Carr and Prudential.
As a Manager for the company's Birmingham Office, Matt’s responsibilities include working closely with Client Directors and individually liaising with Employers, Trustees and Members to ensure the smooth running of their pension schemes. Matt’s current portfolio of clients covers ongoing, paid-up and winding-up schemes. In addition, Matt has experience of schemes that have transferred or are in the process of transferring to the Pension Protection Fund and Financial Assistance Scheme. Matt also works closely with clients in relation to risk registers and internal controls.
Matt particularly enjoys resolving issues in a fair and pragmatic way ensuring that the right result is reached for the member or employer.
Sam Burden
Client Director
Sam Burden joined Zedra Governance (formerly PTL) in 2022. He is an Accredited Professional Pension Trustee (AMAPPT) and an Associate of the Pensions Management Institute (APMI)
Sam has more than 25 years’ experience in the pensions industry gained with WTW, KPMG, and Standard Life working with a wide range of pension schemes and sponsoring employers. His trustee appointments include DB, DC and hybrid pension schemes and he has experience of handling a broad range of projects relating to the management of pension schemes.
Beyond his pensions experience Sam is a former Birmingham City Councillor where he chaired the audit committee and a current charity trustee.
Payam Kazemian
Client Director
Payam Kazemian joined Zedra Governance Limited (formerly PTL Governance Limited) in 2021. He is an Accredited Professional Pension Trustee (AMAPPT) and an Associate of the Pensions Management Institute (APMI).
Payam has more than 17 years of experience in the pensions industry. Through his current role as a professional trustee, as well as previously as a pension’s de-risking and investment structuring expert at financial institutions including Goldman Sachs and Deutsche Bank, he has had overall responsibility for creating investment, de-risking, journey planning, and governance solutions for a wide range of UK DB pension schemes. He currently holds a number of board positions (as Chair of Trustees) and sole trustee in his professional trustee capacity. Payam has been involved with a number of pensions projects including pensions buy-in, pensions buy-out, GMP equalisation, investment strategy reviews, and dialogue with the pensions regulator. Payam looks to create and believes in a collaborative relationship between the sponsor, the trustee, and all other parties involved as this results in best member outcomes and helps deliver pragmatic solutions for scheme. Aside from his pensions experience, Payam holds a Ph.D. in Materials Science from the University of Cambridge.
