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Julia Ridger Pensions and employee benefits

Julia Ridger

Pensions and employee benefits

Areas of expertise

Professional independent trustee services; trust-based pension schemes including defined benefit (DB); employee benefits; auto-enrolment; employee benefit trusts (EBTs); assistance to insolvency practitioners.


Julia advises employers and trustees on DB pension schemes, identifying cost reductions and implementing de-risking exercises including enhanced transfer values, undertaking full pension scheme wind ups and providing advice on transfers.
She advises employers on auto-enrolment, governance and employee benefits. The delivery of communications and financial education to employees is a key area of her support.

Julia’s team provides support on pension matters to insolvency practitioners and corporate trustee and administration services to a number of employee benefit trusts (EBTs) for large multinational corporations.

Notable achievements

  • Acting as independent trustee, supporting the incumbent lay trustees through a number of complex changes for a DB pension scheme and working in a collaborative manner with the employer.
  • Guiding a professional practice through a de-risking exercise for a DB pension scheme leading to wind up.
  • Supporting six multinational corporations, including five in the Japanese sector, as trustee and administrator of the companies’ EBTs.

Professional qualifications/memberships

DipPFS-qualified and a member of the Chartered Insurance Institute (CII).

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