About Us

John Jory

John Jory is the Managing Director of John Jory Limited, a consultancy dedicated to removing the unnecessary barriers that act as disincentives for lower-to-moderate earners to save for their retirement. He was previously the Deputy Chief Executive of B&CE Benefit Schemes, the provider of employee benefits for, primarily, manual workers in the construction industry and is their spokesperson for all insurance and pension matters. He is a non-executive director of B&CE Insurance Limited, the subsidiary company that operates EasyBuild, the UK’s largest stakeholder pension scheme based on the number of members. John is passionate about pensions for lower to moderate earners and campaigns vigorously on their behalf so that they are able to enjoy a comfortable retirement.

John joined B&CE in 1995 to set up B&CE Insurance Limited. He has worked in the financial services industry over 30 years and has held a number of senior positions in the UK and overseas. He has been married to Jacqui for over 35 years and they have three daughters and two grandsons and he enjoys travelling, football, rugby and spending time with his family.

Mobile:  +44 (0)7887 804 223

Malcolm Small

With a background in Law, Heavy Engineering, and public Administration, Malcolm has specialised in all aspects of management in Financial Services at senior level for the last 20 years. Classically trained in marketing at Marketing Centre Europe in Brussels, he has also operated as a Marketing Director in I.T., preparing software applications for market and following through to product delivery. He spent 14 years with Norwich Union, latterly at operating Board level in Life and Pensions, and 5 years at Merchant Investors, a specialist high net worth investment and pension provider in Bristol.  

More recently, as Managing Director of Lyncombe Consultancy, he has specialised in the regulatory, technical and operational aspects of pensions, and a wide range of other retail financial services. With a particular interest in, and experience of, Distribution in the UK, he has been involved in a number of initiatives building new businesses in this field.  A past Chair of the Investment and Life Assurance Group, a practitioner trade body, he also has a strong presence in public affairs and public policy work. He is a frequent speaker, and author, on industry topics, Chairing a wide range of industry meetings and conferences.

Malcolm has undertaken research in pensions through The Pensions Report and is Chairman of The-Pensions-Net-Work; a membership based standing conference in the Net-Work series. He consults in the UK and internationally with organizations interested in all aspects of long term saving and retail financial services.

He is Director of Portfolio and Retirement Planning at the Tax Incentivised Savings Association, leading the work of the Association in Pensions, Distribution and Platforms. He is also a Non-Executive Director of B&CE Insurance, provider of pensions and financial services to the construction industry.

In addition he is a Senior Policy Adviser on Pensions at the Institute of Directors and a member of the Advisory Council at The Pensions Regulator. He is also an Associate Fellow of the International Longevity Centre.

Relevant web links:
www.iod.com
www.tisa.uk.com
www.lyncombeconsultancy.com
www.the-pensions-net-work.com
Mobile: +44 (0)7989 500 771

Margaret Snowdon OBE

Margaret is well known in the pensions industry, with over 30 years experience of consulting on pension strategy to virtually every industry sector.

She is an honours graduate of Glasgow University and spent some time on post-graduate research on retirement and ageing with both Glasgow and Keele Universities and the Scottish Retirement Council. She trained as a psychologist and has lectured and counselled on mental health in retirement. She has studied business management with Ashridge and Cranfield Universities, as well as Harvard Business School.

In her career, Margaret has managed large third party administration service companies and pensions management consultancies and has worked with many blue chip companies on HR and pensions operational strategies. She was a partner with Mercer Consulting and with Towers Perrin before setting up her own consulting business, The Pensions Practice, in 2003. In January 2007 she joined Lucida plc as Operations Director.

Margaret is a Fellow of the Pensions Management Institute, a former Member of Council and Vice President of the Institute. She is Chairman of TPAS, the Pensions Advisory Service, as well as a Fellow. She also advises the Raising Standards of Pensions Administration charity, and chaired the Working Group which piloted and then launched the national Member Survey on service experience. She serves on the FRC Actuarial Stakeholder Interests Group and is a Governor of the Pensions Policy Institute.

In the 2010 New Year’s Honours List, Margaret was awarded an OBE for “Services to Pensioners”, in recognition of her voluntary work in pensions over the last 25 years.

In her limited spare time, Margaret enjoys SCUBA diving, sailing and clay pigeon shooting.

Charles Cowling

Martin Campbell

Martin started his career at Norwich Union Life & Pensions in the Marketing function where he soon became a product designer. He was in that role when Richard Branson approached Norwich Union to set up Virgin Direct as a joint venture. Martin was asked to join as one of the founder members, taking responsibility for the design of each of the initial products, from the index tracking PEP, to the Virgin Pension, through to the One Account.

During the roll-out of the initial product range Martin also assumed PR responsibilities, culminating in running the team voted best Press Office in Financial Services for three consecutive years in the MORI poll of financial journalists. Finally, Martin also acquired responsibilities as Virgin Direct’s lobbyist. Here he achieved some remarkable lobbying victories, convincing the Government of the importance of simple, low cost products and mandatory product standards that mirrored those of the Virgin range.

With the change of strategic direction signalled by the change of name to Virgin Money, Martin left to set up ‘BeaconStrategic’ - a boutique consultancy where he could continue his mission, seeking to work with enlightened organisations that believed in success through better delivery to the consumer. This work has focused on media relations, Government lobbying and wider communications strategy, helping clients to gain the profile, influence and appeal they deserve.

Martin remains Director of BeaconStrategic and is proud of the work it has carried out through its 8 years. It has helped a range of notable organisations as diverse as Google, The Pensions Policy Institute (PPI), Interactive Investor, Zopa.com, B&CE Benefit Schemes, Lucida and FairBanking.

Martin lives in Norfolk with his wife and two daughters, loves being outdoors, taking photographs, listening to music and desperately trying to become a better guitarist.

Mobile: +44 (0)7802 634 695

Helen Coulson

Helen is Managing Director of 7plc Limited, a strategic consultancy specialising in helping businesses in the financial services sector innovate, diversify and respond to change. She has been a high profile and vocal contributor to the pension reform debates over many years now, particularly on all matters relevant to Personal Accounts/NEST and other aspects of the recent Pensions Bill in her previous role with IFDS. Helen’s passionate interest in financial capability and demystifying financial products has underpinned much of her contribution, as has her grounded thinking and instinct for practical solutions.

Prior to working with IFDS, Helen was Business Development Director for Cofunds where her focus on the pension world began. Before this she was at American Express, where she was responsible for pioneering new businesses, opening new markets and the creation and delivery of strategic business development programmes across the UK, Europe and Middle Eastern markets.

Helen is committed to creative lateral thinking and has a radical, positive approach to driving change with consensus – all key attributes in her input to the retirement reform agenda.  She has an MBA from CASS Business School and a BSc Psychology from London University.

 

The executive team is made up of:

Margaret Snowdon OBE, Chairman

John Jory, Director General

Helen Coulson, Director of Business Development

Martin Campbell, Director of External Affairs

Susan Jory, Administration Manager