we are the Embark Group.

You might recognise our financial services brands. Our ‘centre of gravity’ is the long-term savings market, although we have capability spanning pensions, investment research and consulting, property investment administration, employee benefits and actuarial services.

one of the UK's largest retirement savings providers.

Embark Group is the holding company for a range of financial services businesses in the UK, and in the future internationally. The Group was established in 2013 with a clear vision of disrupting the pension savings and investment market, using technology. Today we are responsible for £15bn on behalf of 140,000 consumers and power the pensions of several well-known digital wealth platforms. 

We have a strong track record of applying the very latest technology to our businesses, alongside smart capital and even smarter people to help each of our businesses grow. We are always seeking new opportunities to invest and grow, and constantly consider wholly-owned, minority interest and joint venture investments that can generate value independently or in tandem with other assets in our portfolio. More importantly, we look for commercial partnerships and people that can fuel our long-term profitable growth.   

Connect with us on LinkedIn  

brands under the Embark Group umbrella.

Vested Employee Benefits

Vested is a collaboration between Embark Group and Mazars LLP. Together they bring the very best in employee benefits and workplace savings to small and medium sized employers (those with between 100 and 750 full time employees).

Vested website  

EBS Pensions

EBS is a leading SIPP and SSAS provider, with over 32,000 clients and £6.8bn assets under administration. It is at the forefront of digital SIPP provision to the execution only market, and lists Charles Stanley Direct and BestInvest as clients.

EBS Pensions website  

Hornbuckle

Hornbuckle has been offering self-invested pensions for more than three decades. Working with advisers, and their clients, they focus on offering maximum investment flexibility backed by technical expertise, risk control and quality service.

Hornbuckle website  

Rowanmoor

Rowanmoor is the UK’s largest independent SSAS provider and a provider of bespoke SIPPs and Family SIPPs. Rowanmoor is proud to have been named Best SSAS Provider at the ILP Moneyfacts Awards 2017, for eleven consecutive years.

Rowanmoor website  

Embark platform

The Embark platform is a low-cost retirement focused platform for financial advisers. Built on cutting edge FNZ technology, it boasts a wide range of products and investments, with extensive straight-through processing to fully automate major processes - delivering maximum efficiency at excellent value.

Embark platform website  

The Adviser Centre

The Adviser Centre is a free-to-air, online fund research and consultancy service dedicated to helping financial advisers to assess, select and monitor actively-managed funds from the whole of the market. The service is practical, focused, easy-to-use and designed to reside at the heart of an adviser’s investment process.

The Adviser Centre website  

Scopic Research

Scopic Research offer qualitative research to support businesses that advise clients on, manage, or have other interests in, multi-manager solutions. They aim to provide deeper insight, greater transparency, and an information advantage to businesses seeking solutions in the outsourced investment market.

Scopic Reseach website  

DISCUS

DISCUS (Discretionary Investment Services Coming Under Scrutiny) is an online information resource for financial advisers. The team at DISCUS deliver quality insight, discussion and information on the outsourced investment market, particularly discretionary (DFM) propositions. Advisers value their DFM Compare tool. 

DISCUS website  

careers at embark.

Are you looking for a new opportunity, in a rapidly growing group of businesses, where you can make a real difference? View our latest vacancies.

Careers website  

due diligence guide.

Are you undertaking due diligence on the Embark Group? We've created this detailed guide to help.

REQUEST GUIDE   

meet our leadership team.

Our leadership team are recognised experts in wealth management, investment, banking, insurance and pensions.

David Etherington

NON EXECUTIVE DIRECTOR

David Etherington, NON EXECUTIVE DIRECTOR

David Etherington

NON EXECUTIVE DIRECTOR


David has had a highly distinguished career in Financial Services. David is the sole Non-Executive Director for the Group’s five primary operating subsidiaries and chairs the Group Board. He is also a Group Board Director of The Simply Biz Group Plc which recently listed on AIM.

During his executive career he has held several Group Executive positions. David spearheaded the corporate transformation of Zurich UK Life from 2003 to 2012 and delivered Zurich’s retail and corporate platforms. He held multiple Zurich Board Directorships and chaired several Board sub-committees including the Investment Committee. His career started with the NatWest Group plc. In 1998, he moved to help build CLS Bank. Thereafter, he held senior executive positions with bolero.net and Unum.

David has a degree in Business Administration, a post graduate NatWest Group sponsored MBA with Distinction.

Phil Smith

CHIEF EXECUTIVE OFFICER

Phil Smith, CHIEF EXECUTIVE OFFICER

Phil Smith

CHIEF EXECUTIVE OFFICER


With special expertise in business transformation, Phil brings with him 25 years of global experience across wealth management, asset management, brokerage, insurance and management consulting. Before joining Embark Group in 2013, Phil was Managing Director and Global Management Committee member at Barclays Wealth where he played a key role in the inception and development of the global infrastructure of this business line for Barclays Plc.

Phil’s previous roles include Managing Director (Finance, Strategy & HR) at Fortis Investments, the global asset manager of the Fortis Group. He has also held Director-level roles at Arthur Andersen, Prudential M&G and Prudential Corporation Asia. During this time, he built up extensive experience of M&A, joint venture partnerships and greenfield business development across Asia, EMEA and the Americas. Externally, Phil is Non-Executive Chairman of BE-IQ Limited, a leading digital behavioural finance business.

Phil holds a first-class degree in Industrial & Business Systems and a post graduate Masters in Strategic Human Resource Management.

Vincent Cambonie

CHIEF FINANCIAL OFFICER

Vincent Cambonie, CHIEF FINANCIAL OFFICER

Vincent Cambonie

CHIEF FINANCIAL OFFICER


Vincent’s career spans 25 years’ working in global financial institutions, most recently as Managing Director and Group Chief Financial Officer at BNP Paribas Investment Partners.

He has extensive international experience having held various senior finance positions at Merrill Lynch in their Paris, London and New York offices, Instinet Corporation and Fortis Investments before joining BNP Paribas Investment Partners. During his career Vincent has gained valuable skills in performance management and business strategy, including various M&A and partnership activities.

Vincent holds a Master of Philosophy in Economics, Applied Mathematics and Econometrics.

Rupert Ruvigny

NON EXECUTIVE DIRECTOR

Rupert Ruvigny, NON EXECUTIVE DIRECTOR

Rupert Ruvigny

NON EXECUTIVE DIRECTOR


Rupert has specialised in investment management and regulation. Currently he is a partner of Brompton Asset Management Group and sits on the Investment Committee of an Oxford college. He was Chief Operating Officer and Compliance Director of New Star Asset Management Group from its inception.

Previously he was Deputy Chairman of PricewaterhouseCoopers’ financial services regulatory practice. After qualifying as a Chartered Accountant in 1984, he was made a partner of Price Waterhouse in 1992. He was seconded to IMRO, the then regulator of Investment Managers, as the Director of Monitoring and Investigations.

Richard Wohanka

NON EXECUTIVE DIRECTOR

Richard Wohanka, NON EXECUTIVE DIRECTOR

Richard Wohanka

NON EXECUTIVE DIRECTOR


Richard is the largest shareholder of Embark Group and has more than 40 years’ experience in financial services, specifically asset management. He previously held Chief Executive Officer roles at Union Bancaire Privée (UBP) Asset Management, Fortis Investments, West LB Asset Management, Baring Asset Management and Paribas Asset Management.

He is the Chairman of the Nuclear Liabilities Fund, as well as of Old Mutual Global Investors. He sits on the Boards of BTG, Pershing Square Holdings, Scottish Widows and UBP (Japan). He is also a trustee of the James Neill pension fund.

Mark Skinner

NON EXECUTIVE DIRECTOR

Mark Skinner, NON EXECUTIVE DIRECTOR

Mark Skinner

NON EXECUTIVE DIRECTOR


Mark is a sales and marketing professional with a strong background in the distribution of investment products and services to the UK intermediary market. He has held executive positions with New Star Asset Management, Barings, Norwich Union and Save & Prosper.

Mark also holds several Non-Executive and advisory roles across several industry sectors in the UK.

David White

NON EXECUTIVE DIRECTOR

David White, NON EXECUTIVE DIRECTOR

David White

NON EXECUTIVE DIRECTOR


With more than 25 years’ experience in financial services, David specialises in the retirement market, in particular self-administration schemes. He took the helm as Hornbuckle’s Managing Director in 2008 and has been responsible for the strategy and development that underpinned the Group’s growth from a small regional player to a leading UK SIPP and SSAS provider.

David King

MANAGING DIRECTOR

David King, MANAGING DIRECTOR

David King

MANAGING DIRECTOR


Dave is an accomplished customer services leader with a specialism in formulating and delivering strategy. He has over 30 years’ experience across wealth management, life and pensions and management consulting. Before joining Rowanmoor in 2018, Dave was Chief Operating Officer and main Board member at Huntswood a specialist regulatory resourcing and consultancy firm where he previously also held the position as Strategy Director and prior to that was responsible for developing Huntswood’s proposition in the Wealth and Asset Management sectors.

Dave’s previous roles include holding senior positions at AXA, Winterthur Life and Prudential. During this time Dave has built up extensive experience of operational leadership, strategy, business planning, acquisition integration and business transformation.