At the heart of Unio Master Trust is the member journey.

We empower individuals with best-in-class governance, intuitive tools like Pathways for clear retirement projections, and the option to avail of personalised advice through our Wealth Advisory service, so every member feels informed, prepared, and in control.

Our proprietary Third Party Administrator (TPA) platform, supported by Irish-based professionals, transforms pension administration from a burden into a strategic advantage.

Platform Features:

• Independent governance and oversight
• Customisable contribution and default design
• Pension Data Intelligence Report (PDIR) for scheme-level insights
• Real-time metrics on retirement adequacy and demographic risk

Governance isn’t a checkbox—it’s your strategic edge.

Retirement shouldn’t feel abstract.

Our platform makes it approachable and engaging, with tools and support tailored to every life stage.

Member Benefits Available:

• One-to-one advice through our Wealth Advisory service
• Pre-retirement workshops for members aged 50+
• Clear guidance on tax, timing, and drawdown
• Personalised dashboards for pensions, investments, and risk cover

With our Pathways module, projected income is shown as multiples of salary—a simple, motivating way to measure retirement readiness.

Through our secure member portal, individuals can view:

• Pension balances and future income projections
• Investment strategies and switching options
• Group risk benefits like life insurance and income protection

Unio sources these benefits from across the market—ensuring competitive pricing, full transparency, and tailored cover.

Joining the Unio Master Trust is smooth and hassle-free:

• Bulk transfer compliance
• Preservation of existing risk benefits
• No transition fees

You keep what works—and gain what’s been missing.