Ruth Ward

I joined LCP in 2023 with 16 years of experience advising trustees and corporate sponsors of UK DB pension schemes on funding, investments and de-risking.

Since 2013, I have focussed exclusively on advising on Pension Risk Transfer (PRT) strategies, helping my clients identify their preferred endgames, prepare well to maximise insurer/superfund engagement, and execute successful transactions that deliver on their core objectives.

My experience covers PPF+ and solvent buy-ins, with-profits, residual risks and hybrid (DC/DB underpin) buy-ins, deferred premium structures, DB superfund offerings, trigger-based and M&A-driven transactions.

I am passionate about helping my clients to achieve the best possible outcomes for their schemes and a positive member experience.

Recently, I’m proud to have acted as lead transaction adviser for the £270m full buy-in for the Trinity Retirement Benefit Scheme (sponsored by Reach plc) and a £24m full buy-in which took the total premiums advised under LCP’s streamlined buy-in service to over £5bn. I also advised Compass Group on the £1.5bn buy-in of its UK scheme.

I enjoy writing and the challenge of articulating complex topics in an accessible way. I am a lead author of LCP’s PRT and Beat the Insurer Triage reports and provide frequent market analysis and commentary.

Outside of work I am a keen sportswoman (running 5k, 10k and cross country), hill walker, real food enthusiast and mother of two.