The Dutch pension landscape is undergoing significant changes, driven by the new pension agreement reached at the end of 2020, which aims to modernize the pension system. The rules are expected to take effect on January 1, 2023, and will require pension administrators to gain a better understanding of individual participants' situations, collect and manage more sensitive information, and provide personalized disclosure. To meet these challenges, pension providers must adopt a flexible data architecture that can handle large volumes of diverse data spread across multiple technologies. A modern data architecture using cloud data platforms and advanced data virtualization offers benefits such as improved efficiency, reduced costs, and increased security, while also enabling faster development and deployment of data services. The use of data virtualization allows for more trust in data, better control over access, and a hybrid approach that combines the strengths of both physical storage and virtualization. With the right tools and expertise, organizations can successfully navigate these legislative changes and create a flexible and controlled data architecture to support their growing needs.