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Andrew Pennie is an accomplished Managing Director at Intelligent Pensions Ltd. since August 2010, specializing in high-quality retirement and later-life financial planning services for individuals, corporations, and trustees. Prior experience includes serving as Marketing Director in Financial Services, where Andrew implemented sales and marketing initiatives to enhance retirement outcomes. Prior roles encompass Marketing Director at Santander Private Banking, where Andrew launched a new brand vision and aligned teams to meet business objectives, and Head of Investment Propositions at Grupo Santander, achieving a significant increase in offshore sales. Andrew's earlier career includes positions as Investment Manager at Ernst & Young and Project Manager at Lloyds Banking Group, focused on investment advice and service development. Andrew holds a 2:1 degree in Accountancy from the University of Hull.