Who we are

Smart is one of the world’s fastest growing retirement technology businesses.

With over 70,000 employer plans now in place around the world, we’re also one of the UK’s largest retirement plan providers. We operate in the US through Smart USA Co.

Our Founders

In 2014, Andrew Evans and Will Wynne combined their financial and technological expertise to found Smart. Their first aim was to make employee enrollment in the UK’s mandatory retirement plans easier.

Andrew and Will are dedicated to creating retirement solutions that put the focus on employees and the best way to achieve retirement readiness, while at the same time enabling employers to accomplish their objectives as plan sponsors.

Andrew Evans

Group Chief Executive, co-founder and board member

Andrew co-founded Smart to make it easier for employees to save and access their nest egg when needed. Previously, Andrew was an international managing director, with roles in banking and finance, so he understands the need for cost-effective solutions. Due to his expertise, he works with cutting edge innovation foundations – awarding funding and offering advice to promising fintech companies and social entrepreneurs.

Will Wynne

Group Managing Director, co-founder and board member

Will is behind Smart’s technology strategy, innovation and global vision. Starting with a solid background in private equity, Will moved to eBay's marketing department where he grew their members from 3 to 18 million in three years. He also created the business case for eBay's charity arm, which raised several hundred million pounds for good causes. Will is the co-founder of ArenaFlowers.com, one of the UK’s leading flower and gift delivery businesses, and oversees fintech acceleration programmes run by Octopus Investments. He also understands how to run a business using technology-enabled solutions as the Chairman of Trulience, a futuristic, digital human software firm.

Our Board of Directors

Meet the team helping members save for the future

Mark Zinkula


Most recently, Mark served as CEO of Legal & General Investment Management (LGIM), a role he held from 2011 to 2019. During Mark’s tenure, LGIM was one of the fastest growing asset managers globally as assets under management (AUM) tripled to over $1.5 trillion, including a significant expansion across the US, Europe and Asia. He positioned LGIM to become the largest manager in both the UK defined benefit pension market, with over 30% market share, and the UK defined contribution pension market, with over 20% market share. Mark also established LGIM as a global leader in responsible investing, developing widely recognized innovative ESG investment solutions, as well as an industry-leading corporate governance team.

Anne Lester

Non-Executive Director

Most recently, Anne served as portfolio manager and Head of Retirement Solutions for Global Asset Management Solutions at J.P. Morgan. Anne developed J.P. Morgan’s SmartRetirement target-date funds and their post retirement SmartSpending funds. She previously served on the board of Smart Pension. Anne, who joined J.P. Morgan in 1992, spent over a decade managing Public, Private, and Multi-Employer Defined Benefit and Defined Contribution plan assets before focusing exclusively on Defined Contribution research, product development, and management.

Smart USA leadership team

Meet the experts making sure our program works for you

Jodan Ledford


Smart in the US is led by CEO Jodan Ledford, a US retirement plan industry veteran and, most recently, the Chief Client Officer at Legal & General Investment Management America – taking assets under management from $30 billion to $210 billion.

Catherine Reilly

Director of Retirement Solutions

Most recently, Catherine was Global Head of Research for the defined contribution team at State Street, responsible for thought leadership and strategic development. In this role, Catherine oversaw the $70 billion State Street Global Advisors target-date suite. Previously, she was Chief Economist of Pohjola Asset Management in Finland ($40 billion assets under management) and a Management Consultant at McKinsey & Co., Inc in the Helsinki office. Catherine is a CFA charter holder.

Grant Chamberlain

Director of Corporate Strategy

Most recently, Grant was the Head of Corporate Development at Legal & General Investment Management America (LGIMA). Joining LGIMA shortly after its inception, Grant also held positions leading data management and technology. Previously, Grant worked at UBS Global Asset Management as Director, Head of Change Management in the global operations function.

Rob Stanley

Chief Operating Officer

A veteran of the record-keeping industry, Rob spent 18 years in John Hancock’s Wealth and Asset Management organization, the last 13 years in the $180 Billion Retirement Plan Services business (JHRPS), including nine years leading JHRPS' sales operations and Infrastructure. Most recently, Rob founded Inflection Point Consulting where he helped clients implement key strategic initiatives to face the challenges in a rapidly changing industry.

Lawrence Griffin

US General Counsel

Most recently, Lawrence was General Counsel at Legal & General Investment Management America, where he also served as Chief Compliance Officer. Lawrence has been a lawyer for more than 30 years, and has spent the last 15 years specializing in compliance, risk and governance, and IT security and data protection for financial services organizations.

Rebecca Peche

Director of Strategic Partnerships

Rebecca joined Smart in September 2018, initially focussed on the growth of the UK master trust and subsequently was responsible for Smart's strategic partnerships globally. Previously she spent 10 years in the asset management industry, including three years in New York in a Defined Contribution Investment Only (DCIO) sales role for J.P. Morgan Asset Management. She worked closely with large plan sponsors across a number of areas ranging from investment solutions, to plan design and employee communications and education.

Our investors

Our investors include:

These strategic partnerships empower us to develop our products and services further. Smart will soon be active on four continents.