Growth risk

Labour shortages and demographic change — 83% of employers across all sectors and sizes find today's talent market challenging.

Productivity risk

77% of employers say financial stress and retirement uncertainty reduce productivity.

Source: Amárach Research (2026)

Financial risk

Holistic late-career planning lifts retention of experienced talent by up to 20%.

Source: Oxford Academic, SHRM

Knowledge risk

Experience walks out the door: replacing managers costs ~200% of salary, technical roles ~80%.

Source: Deloitte

Losing institutional wisdom

90% of organisational knowledge is tacit — it leaves when people do.

External legislation

Legislation dictates the parameters and the policies you can put in place. Those you want to leave are afraid to go — impacting how you maximise the talent you want to stay.

Duty of care

If people leave the business undersupported, they leave feeling undervalued.

Employer brand — your culture's eyes and ears

When people feel unsupported, the people on the outside hear about it, and the people on the inside know it will happen to them.