Global Retirement Management

Global Retirement Management

We help multinational organizations manage global retirement and pension programs across borders - combining governance, compliance, risk management, and analytics to improve employee outcomes and financial wellbeing.

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Transforming Global Retirement Management for Multinationals

For multinational organizations, managing retirement programs across borders has become a strategic imperative. Today, global retirement solutions shape employee financial wellbeing, drive engagement, and support organizational resilience.

With people living longer and increasing demographic pressures straining pension systems globally, organizations must focus more than ever on maximizing the value and efficiency of their pension arrangements.

At Aon, we help you transform cross-border retirement planning complexity into clarity. Turning global retirement challenges into opportunities for growth, inclusion, and efficiency.

What is Global Retirement Management?

Global retirement management is about creating a unified strategy to manage retirement plans across multiple countries. It balances governance, compliance, and risk management while improving employee outcomes and financial wellbeing. Our approach helps multinationals simplify complexity, optimize costs, and deliver sustainable, inclusive retirement solutions that work for both business and people.

A Connected Approach to Global Retirement Management

Managing global retirement arrangements globally requires a unified strategy that balances oversight, international governance, regulatory compliance and pension risk management across multiple countries.

  • Holistic Oversight

    We deliver centralized management of global retirement plans, bringing together market intelligence, benchmarking, and plan performance analysis across borders.

  • Tailored Governance

    Our structured governance frameworks - supported by best-practice reporting and oversight enable organizations to maintain control, ensure compliance, and adapt to local and global changes.

  • Risk & Opportunity Management

    From defined benefit (DB) liability strategies, harmonizing plans during mergers and acquisitions (M&A), to establishing cross border and international retirement saving plans, we help clients manage risk while seizing opportunities for consolidation, savings, and improved member outcomes.

Driving Value in Global Retirement Solutions for multinationals

Our approach combines insight, innovation, and operational excellence to deliver retirement strategies that work for your business and your people.

  • Insight-Led Strategy

    Our approach combines data analytics and market insight with regular benchmarking to deliver retirement strategies that align with your business goals, support your workforce, and keep your plans competitive and cost-effective.

  • Employee-Centric Solutions

    We focus on communicating the value of retirement programs, supporting financial wellbeing, and promoting inclusive, responsible investment options that reflect your values.

  • Operational Excellence

    Leveraging technology and local expertise, we streamline administration, enhance vendor management, and ensure that plans are cost-effective and competitive.

At Aon, our international wealth team delivers award-winning* retirement solutions that make a measurable difference for multinational organizations. Our approach ensures consistent and compliant delivery across geographies, combining deep expertise with innovative strategies to help you manage pension complexity and achieve better outcomes.

*United Pensions – European Pension Fund of the Year 2025 (European Pensions)

We provide pan-European and international retirement savings plans, supported by proactive cost management, vendor oversight and strategic risk solutions - including endgame planning, surpluses, buyouts and defined benefit strategies. 

For organizations seeking tailored risk management, we offer captive options alongside enhanced global oversight and actuarial consolidation. 

$600B

Today, we manage more than $600 billion in client retirement liabilities worldwide.

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We meet you where you are—then build the international retirement roadmap to where you need to be. With tailored solutions and practical governance, we help you stay one step ahead.

Alison Cosadinos
Head of International Wealth, United Kingdom and Europe, the Middle East and Africa

International Retirement Expertise: Your Strategic Advantage

Leading multinationals rely on our International Wealth team for specialist guidance and tailored solutions, helping them stay ahead of market trends, regulatory changes, and workforce expectations. Our integrated model means you benefit from a single source of advice, actionable reporting, and seamless execution — locally and globally.

  • Global Retirement Plan Oversight

    Centralized management and monitoring of retirement plans across multiple countries, supported by best practice governance frameworks.

    The benefit to you: Greater control, consistency, and transparency across your global retirement programs.

  • Strategic Plan Design & Advisory

    Data-driven plan design, benchmarking, and alignment with local and global requirements; expert guidance for evolving workforce needs.

    The benefit to you: Global retirement solutions that are competitive, compliant, and tailored to your business and talent strategy.

  • Consolidated Actuarial Reporting

    Comprehensive actuarial valuations and consolidated reporting for International Financial Reporting Standards (IFRS) and U.S Generally Accepted Accounting Principles (GAAP) across all jurisdictions —managing over $600 billion in retirement liabilities worldwide for our clients.

    The benefit to you: Streamlined global financial reporting, improved accuracy, and easier compliance with international accounting standards.

  • Risk & Liability Management

    Establish strategies for managing DB liabilities, including asset-liability modelling, endgame planning (use of surpluses, buyouts, DB captive solutions), and risk transfer opportunities.

    The benefit to you: Reduced risk exposure, optimized funding, and improved long-term cost predictability.

  • Regulatory Compliance & Reporting

    Proactive tracking of legislative changes, multi-country reporting, and support for ongoing compliance.

    The benefit to you: Confidence that your plans meet all local and international pension requirements, minimizing compliance risk.

  • Mergers, Acquisitions & Change Management

    Due diligence, plan harmonization, and integration support during transactions or market entry.

    The benefit to you: Smoother transitions, minimized disruption, and maximized value capture during organizational change.

  • Employee Engagement & Financial Wellbeing

    Tailored communications, financial education, and tools to support financial wellness and retirement adequacy.

    The benefit to you: Enhanced employee understanding, engagement, and confidence in their retirement outcomes.

  • Global Mobility Solutions

    Expertise in managing retirement benefits for cross-border and mobile employees, including plan portability and compliance.

    The benefit to you: Seamless support for your mobile workforce, ensuring continuity of benefits and regulatory adherence.

  • Plan Design & Responsible Investment

    Inclusive plan design and responsible investment strategies aligned with diversity, equity, inclusion, and sustainability goals.

    The benefit to you: Global retirement programs that reflect your corporate values and support a diverse, engaged workforce.

  • Technology & Analytics

    Advanced digital platforms for data consolidation, predictive analytics, and actionable reporting.

    The benefit to you: Faster decision-making, proactive risk management, and clear insights for all stakeholders.

Keep Exploring

Unlock new perspectives by exploring the latest insights and research from our team.

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Talk to Our Team

Connect with our International Wealth specialists to discover how we can help you unlock the full potential of your global retirement programs.

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