Risk Transfer

Uniquely experienced in all forms of pensions risk transfer

Our pension risk transfer and management lawyers are uniquely experienced in all forms of risk transfer, blending peerless legal understanding with a practical and clear approach to deliver commercially astute solutions.

We work with clients of all sizes, including a broad range of trustees, sponsors, insurers and government bodies. If you're the trustee or sponsor of a smaller scheme, we provide a streamlined platform, providing access to the bulk annuity market whilst delivering cost savings. We also have the scale and capability to advise on the largest, multi-billion-pound trades (including insurer, sponsor and trustee-side advice).

Market-first innovation

Our team has a strong history of delivering market firsts - from a capital-backed journey plan to assured payment policies and longevity solutions.

As well as pensions buy-in / buy-out work, our pension risk transfer advisers hold the PPF Trustmark badge. Our long term position on the PPF legal panel has allowed us to handle more PPF + transactions than any other practice.

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Pensions: West Midlands - Chambers and Partners, 2025

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Pensions: West Midlands - The Legal 500, 2025

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Pensions: Non-contentious - The Legal 500, 2025

Client work

Rothesay

We advised Rothesay on the £4 billion transaction with the Co-Op Pension Scheme (Pace) Group Section, one of the most complex transactions undertaken to date by leading pensions risk transfer insurer Rothesay.

Rothesay

Thales UK Pension Scheme

Our market leading team worked closely with the trustees of the Thales UK Pension Scheme on all aspects of its successful £2.7 billion buy-in the trustees of the Legal & General DB schemes on their buy-out with Legal & General.