Annika Luoto

Keskinäinen Työeläkevakuutusyhtiö Elo (Elo) is an independent pension fund manager headquartered Espoo, Finland. The firm was founded when LocalTapiola Pension and Pension Fennia merged in 2014. Elo manages the pension cover of employees and entrepreneurs in accordance with the Employees Pensions Act (TyEL) and Entrepreneurs' Pension Act (YEL) and manage the funds collected for these purposes.

LocalTapiola Mutual Pension Insurance Co. (LocalTapiola) is the wholly-owned Finnish mutual pension fund subsidiary of the Tapiola Group, a customer-owned group consisting of Keskinäinen Vakuutusyhtiö Tapiola, Keskinäinen Henkivakuutusyhtiö Tapiola, Keskinäinen Eläkevakuutusyhtiö Tapiola, Tapiola Varainhoito Oy and Kiinteistö-Tapiola Oy. Established in 1971, the firm is based in Espoo and specializes in pension insurance for statutory employees and self-employed individuals. Tapiola has strategic partners in each of the Nordic countries and a global co-operation network. In Finland they co-operate with the insurance company, Turva, as well as the Central Union of Agricultural Producers and Forest Owners MTK and ProAgria.