About Us

Responsible

Intuitive

Transparent

Empowering

Accessible

investing starts with being a responsible firm

Who we are

We are shaking up the UK pensions market. 51�Թ�� is the first pension provider in the UK to be authorised by the FCA to offer a pension that is both a personal and Auto Enrolment pension scheme. We are a fully portable product that stays with members, regardless of their employment status. Anyone can set up a 51�Թ�� account - either directly or via an employer. And through their 51�Թ�� account, members can have their personal, Auto Enrolment, workplace and self-employed pensions all rolled into one.

One retirement, one account - anything else does not make sense.

Eduardo Chazan

Chief Executive Officer, Director

Eduardo has worked in M&A and interest rates trading across a range of financial institutions (Credit Agricole, BR Partners and BTG Pactual), including banks and asset managers. He was also a managing partner and CFO of a leading startup with a top 5 app in the Brazilian App Store (2017).

Eduardo earned a Bachelor of Economics Degree with Honours from the University of São Paulo and an MBA from the University of Oxford.

Riccardo Gasparini

Chief Operating Officer, Director

Riccardo has led complex projects for multinational companies such as P&G, McCain and Henkel across 3 continents. He also developed the business and marketing strategies for one of Italy’s top start-ups.

Riccardo graduated as an engineer and earned a Master of Science Degree in Electronic Engineering (both Cum Laude) from the University of Parma and an MBA from the University of Oxford.

John Ford

Non-Executive Chairman

John combines over 30 years of international experience in the banking industry, with specialist knowledge in the fields of investment, debt and risk management. He was a Managing Director at HSBC Bank Plc and a Director at Deutsche Bank AG.

John read History and holds a Master of Arts Degree in Modern History, both from The Queen’s College at the University of Oxford.

David Calfo

Compliance Officer

David has over 25 years of experience in Financial Services in the US, UK and Continental Europe. In his capacity as both an Executive and as an Advisor he has established, managed and advised retirement and investment businesses for some of the largest Financial Services firms (Fidelity, Capital Group and BNY Mellon).

David is a Business graduate from Villanova University and earned an MBA from Boston University.

How we started

We met during our MBA studies at the University of Oxford, when we experienced first-hand the Universities Superannuation Scheme (USS) strike in 2018. It was remarkable how even people renowned for their knowledge (of almost everything) were utterly confused and frustrated with pensions.

We quickly realised the frustration we encountered in Oxford was present throughout the UK. More than 30 million individuals are unsure if they’re saving enough for retirement.

In our conversations with those saving for retirement, at retirement and even employers paying a pension to employees, one theme showed up time and again: pensions are overcomplicated, full of financial jargon and too much hassle.

They were telling us that a new approach was needed. But which one?

Back to the basics,
the meaning of 51�Թ��

51�Թ�� is the plural of Collegium, civil societies in the Roman Republic that first created the concept of a pension. They arose from the need citizens had to provide for their future, when they would not be able to work in the fields as they used to. There was almost no finance involved. We chose this name for two reasons.

It is a plurality, relating to the fact that we serve each person in their unique retirement journey.

It also relates to the purpose of pensions: to help you with the concrete goal of achieving a comfortable retirement.

Finance is only an instrument, a means to achieve the ultimate goal of financial freedom at retirement.

51�Թ��, in a nutshell, is the plurality of individuals confidently planning and saving towards the retirement they want.