Paul’s keynote, Pension reform: Unfinished business, explored the key challenges facing pension provision in the years ahead. 

He examined government pension policy, its objectives, and the evolving role of state pensions both now and in the future. He reflected on significant changes over the past decade—from auto-enrolment to state pension reforms and pension freedoms—highlighting both progress and remaining challenges. Paul also focused on critical issues such as small pension pots, decumulation strategies, and managing pensions in an era of greater individual choice and flexibility.