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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

Adam Chate

Adam Chate

Senior Consultant
EB Final

Emma Beard

Senior Consultant
TK Final

Tammy King

Head of People
RC

Robyn Cowan

Senior Consultant
PV Final

Pamjit Virdi

Senior Consultant
AS Final

Antonella Sferrino

Associate
CD Final

Cindy Dadier

Head of Operations
ER Final

Emma Rogers

Senior Consultant
EMR Final

Ellen Ratcliffe

Principal Consultant

Peter Shaw

Principal
MH Final

Margs Harvey

Business Administrator
CW Final

Claire Wallis

Consultant
HB Final

Hana Bailey

Senior Consultant
Ryan P Final

Ryan Perrin

IT Support Apprentice
KM Final

Kate Maloney

Client Director

Iulia Chiorean

Administrator
Amanda Cullen V1

Amanda Cullen

Senior Associate

Callum Taylor

Analyst
CC Final

Clare Chilton

Consultant

Pemmy Opeaye

Analyst
PA Final

Paul Armitage

Head of DC
RC Final

Rosanne Corbett

Director
KEM Final

Katherine Milton

Principal Consultant
ADC Final

Adrian Cooper

Head of Market Engagement
RE Final

Reece Eley

Junior Consultant

Stefan Ambrose

Administrator
IM Final

Ian McQuade

CEO
S Murdoch Headshot

Stuart Murdoch

Consultant

Cameron Halsall

Analyst
Muse heads March 579 Edit

Geoff Francis

Senior Consultant

Paul McBride

Associate
Sharon Hine

Sharon Hine

HR & Business Support Administrator
Mark dallaway

Mark Dallaway

Senior Associate
Alan S Final

Alan Simpson

Financial Controller
TB Final

Tony Brown

Consultant
A JM Final

Auline-Jean Melbourne

Associate
JF final

Jo Fellowes

Director

Muhammed Ansar

Project Analyst

Laura Ospina-Castro

Junior Consultant
OD Final

Olivia Devereese

Project Manager
TO Final

Tom Oakley

Consultant
KJ Final

Kneale Jefferis

Administrator
KW Final

Katy Wilkinson

Consultant

Haydn Williams

Project Analyst
DN Final

Danuta Nott

Business Support Manager
RP Final

Robert Plumb

Senior Associate
DJ F Inal

Daniel Jacobson

Principal Consultant
AJB Final

Adam Barker

Project Manager
Susan Sinclair March 2025

Susan Sinclair

Senior Consultant

Testimonials

In the time we worked together Muse showed a genuine understanding of, and commitment to, our Plan's objectives that I have rarely, if ever, seen matched by other consultancies. A pleasure to work with.
Former Pensions Manager, Scottish & Newcastle Pension Plan
Muse Advisory supported the Trustees through the process of reviewing their full service pension provider. They provided the subject matter expertise, and worked seamlessly alongside our in-house procurement team, to help us identify a high-quality solution that met both our technical and commercial requirements, delivering great value for the scheme and members, as well as the sponsor.
Group Financial Controller, Riverside
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

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