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Barnett Waddingham
0333 11 11 222

Jane Ralph FIA


Jane is a qualified actuary who advises organisations on a wide range of pension issues, primarily related to their legacy defined benefit pension plans. 

Jane’s approach is to first understand the objectives of the key stakeholders; then provide clear, considered, complete and concise advice; before delivering the most appropriate solution in the most efficient way. 

In her 25 plus years in the pensions industry, she has advised the full spectrum of clients from listed global multinationals to small family owned businesses with assets ranging from £3 billion to £20 million.  She has advised companies on benefit design changes, scheme merger and harmonisation, liability management, scheme funding negotiations, longevity transactions, M&A activity and accounting disclosures.  In addition Jane historically advised Trustees and therefore has a good understanding of the approach trustees and their advisers might adopt.

Jane’s extensive experience, clear advice and proactive approach has helped her to become a trusted consultant to a wide range of UK & multi-national businesses.

Significant experience:

  • Undertook a targeted review of how regulated companies manage long term pension costs whilst ensuring consumers do not bear unnecessary costs
  • Advice to UK subsidiary of a multinational employer on management across multiple legacy schemes including harmonisation, valuation negotiation and liability management
  • Pension advice to an organisation involved in a high profile multi-party acquisition by FTSE100 company
  • Scheme design work for a sponsor resulting in closure to defined benefit accrual including liaison and negotiation with both trustee and employee consultative groups and their respective advisers
  • Involvement in the establishment of a new scheme to consolidate two existing schemes by way of a bulk transfer of the defined benefit sections including member option exercises pre-transfer
  • Experience of working with sectionalised schemes including one with over 10 sections
  • Involvement in advice regarding and implementation of longevity hedges

Other expertise:

Jane has prior experience as a Scheme Actuary providing insights into the approach Trustees are likely to adopt.  She has some experience of PRA requirements for financial organisations.

Comment & Insight

  • Briefing 2019 actuarial funding valuations - from an Employers viewpoint

    TPR has published its annual funding statement, aimed at trustees and sponsoring employers of DB pension schemes undertaking scheme funding valuations. It provides guidance on expectations and indicates how they intend to step up their oversight.

  • Blog post 2018 in Pensions

    2018 a year to remember? Whilst Brexit and other world-changing events were going on, the pensions industry was embarking on its own journey into unchartered territory as it continues to develop to ensure it remains fit for purpose.

  • Blog post The defined benefit odyssey

    Defined benefit pension schemes are widely acknowledged to be in decline and entering an era of run-off. However as is often the case with pensions, the timeframe over which this is expected to play out is, shall we say, a little longer than normal!


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