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Who we are

Founded in 2000, Cardano Group is a privately-owned, purpose-built risk and investment specialist.

We are widely recognised as a market leader in the provision of specialised services to private-sector and collective pension schemes in the United Kingdom and the Netherlands. Our c. 500 professionals strive to deliver better and more secure financial outcomes.

Cardano in the Netherlands

Since 2000, Cardano has provided specialist risk management services to some of the largest institutional funds in the Netherlands.  In 2022, ACTIAM and Cardano became one, combining their expertise in sustainable investing and risk management. These complementary skills strengthen each other.

NOW: Pensions

NOW: Pensions is an award-winning UK workplace pension provider who look after the pension savings of millions of members on behalf of tens of thousands of employers from a wide range of industries. NOW: Pensions has a clear mission – to help everyone save for a more financially secure future. This means achieving the best financial outcomes for its members, while fighting for a fair pension system to enable all pension savers to enjoy the retirement they deserve.

Cardano Development

Cardano Development is a not-for-profit, independent foundation set up and supported by the Cardano Group. The foundation focuses on creating and developing new, but above all, practical and scalable, solutions to mitigate extreme risks for end users in developing and frontier countries, such as currency risk, catastrophic risk or commodity price risks.

Michael de Lathauwer, Group CEO of Cardano

Here at Cardano we strive to deliver better pension solutions that benefit everyone. We look at the bigger picture and really listen to our clients to bring a fresh approach to risk, resilience, sustainability, covenant and growth.

Michael de Lathauwer, Group CEO of Cardano

Our Values

We believe that we all can make a meaningful difference to our clients and their members.

We are ambitious and ensure everybody has equal opportunities to make an impact both in the work we do here at Cardano and in society. It’s our commitment to care, develop and empower.

Our leadership takes a very hands-on approach to helping each one of us to realise our full potential.

Our Group values guide how we think, behave, act and make decisions – reflecting our purpose and culture. They are:

Client Focus

We are problem solvers – driven by our desire to provide the best outcomes for our clients and members. Our responsiveness and agility gives us our edge.


We are professional, knowledgeable and trusted advisors: we listen, we understand, we partner.

Striving for Better Solutions

We are always solutions-focused – innovative, inquisitive and entrepreneurial. We encourage open debate and challenge the status quo and each other so that we can make a difference.


We continually learn and share our knowledge to develop and grow.

Working Together

We are team Cardano – inclusive, open, collaborative and caring.


We seek out diverse perspectives and value the differences and the expertise of others – working together to build the best solutions.

Doing the Right Thing

We are fair and want to do the right thing for our clients and members, our people and society.


We take ownership of our actions. We are empowered and supported to do our best work.

Making an Impact

We are dedicated to making a positive impact for a fairer society and for our planet. We put sustainability at the heart of our businesses. We campaign and educate for fair pensions for all.


We make a positive impact through the work we do in our teams and individually.