Cartwright Stepping Stones

Frequently Asked Questions:Your questions answered

Below is a range of questions we frequently come across in our daily working lives but if your question is not listed here, please get in touch and we will be happy to answer any question you may have. Thank you.

Is Cartwright independent?
Yes, Cartwright is fiercely independent and remains unbiased and unhindered by external influences or relationships and is free to make exactly the right decisions to suit each client. We also provide contractual guarantee that we will not be sold.

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Does Cartwright have any ‘in-house’ views or policies for actuarial and investment services?
No, there is no ‘house view’ for any service. Services are tailored to you and your specific requirements. The calibre of staff within Cartwright means the company is able to grant the trust and freedom required for the team to offer a truly bespoke service.

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Do your services extend to the whole of the UK?
Yes, we are nationwide working from three offices in Godalming, Chelmsford and Farnborough.

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Do you outsource any part of your administration service?
No.

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How long do Cartwright typically take to complete an actuarial valuation?
Six to eight weeks, often quicker.

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Why do you focus on getting pension schemes to buyout?
The majority of our clients are defined benefit pension schemes that are closed to future accrual. Usually but not always, their key strategic objective is to maximise security for members whilst removing the legacy pensions risk from the company’s balance sheet. This ultimately involves insurance / buyout. For some this is a 15+ year plan during which investment growth is needed whilst proactively mitigating investment risk and deficit volatility along the way.

For other schemes, they are within touching distance of buyout and want to ensure a smooth insurance transaction and best value from the insurance market. Due to this client demand it is crucial for us to be the best at providing the right advice and implementation for small to medium schemes.

We do also advise schemes that are not interested in buyout who take advantage of our full portfolio of investment services; we are able to adapt our services should their requirement change.

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Do you charge for familiarising yourselves with a new Scheme?
No.

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How does Cartwright tackle ESG?
Environmental: Cartwright is certified as a Carbon Net Zero organisation. In addition we we are identifying key markers to ensure that, by 2026, we will be able to demonstrate five years of continued progress in achieving an increasing net environmental benefit.
Social: Cartwright has a deep commitment to corporate social responsibility which is apparent in everything we do as a company; it is part of everyday life.
Governance: The Cartwright approach to governance is driven by the fact that two separate categories of stakeholders are, in our case, combined into one as the majority of the staff are the shareholders in our business. This means that the governance that shareholders require, to protect their investment, is implemented, overseen and controlled by the shareholders themselves. This, in turn, has allowed Cartwright to be ahead of the game in a number of governance issues without having to be reactive to regulators, professional guidance or government requirements.

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Your Questions Answered

Get in touch

  • If you have any questions, or would like further information, please call our team on: 01483 860201

  • Or send a quick email via our contact form.

NEED MORE INFORMATION? PLEASE CALL OUR HEAD OFFICE ON 01483 860 201 OR SEND A BRIEF MESSAGE USING THE FORM BELOW

Make an enquiry

To discuss further with a member of our team, please start by sending us a brief message or if you prefer, call our Head Office on 01483 860 201 and we will put you in contact with the right person.


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Investor in Customers Quality Assurance Scheme Carbon Neutral Plus United Nations Principles for Responsible Investment Pensions Administration Standards Association