Karen is a Retirement Communication Director at Gallagher’s employee communication and experience practice. Combining excellent pensions knowledge with a proven track record in developing engaging communications strategies, she helps trustees and heads of pensions empower members to make informed decisions about their financial future.

An accredited member of the International Association of Business Communicators and a regular speaker at prominent industry events, Karen has more than 35 years experience in senior strategic roles in both retirement and corporate communication.

Karen passionately believes that effective communications can help people feel different about pensions and change their behaviours so that they can enjoy their life after work in exactly the way they want.

John has worked in pensions since 2006, joining Barnett Waddingham in 2014. In his role as Team Technical Lead, John provides technical support to those clients and client teams with particularly complex requirements, as well as supporting the activities of the wider administration business area.

John has previously been a team manager responsible for delivering administration services for a portfolio of clients, and has also taken a secondment opportunity to provide technical support to the administration provider for one of the UK’s largest private sector defined benefit pension schemes.

John is a graduate of York University and an Associate member of the Pensions Management Institute.

Emily joined Insight in July 2019 and is a Solution Designer in the Client Solutions Group. Emily works on the design and delivery of investment solutions tailored to address the specific risk and return objectives of Insight’s clients. Prior to joining Insight, Emily spent five years at Hymans Robertson as an investment consultant. Here, she advised DB and DC pension scheme clients on funding and investment strategy, manager selection and LDI. Emily graduated from Oxford University with a Masters in Mathematics (First Class). She also has an MSc (Distinction) in Actuarial Science from Cass Business School and is a Fellow of the Institute and Faculty of Actuaries.

Aimee is a Professional Trustee based in Dalriada’s London office, working on a range of DB and DC schemes. She is a qualified actuary and has over 10 years’ experience in pensions. Aimee joined Dalriada in March 2021, having previously worked as the Pensions Manager of Tesco’s £17bn+ DB scheme and held consultancy roles at PwC and Willis Towers Watson. Aimee’s experience includes advising on triennial valuations and leading on scheme risk and governance issues. She is also familiar with all aspects of scheme secretarial duties.

Raluca Curca is an Associate Actuarial Consultant who joined Hymans Robertson as a graduate trainee in 2016. She has worked on a wide variety of client projects since then across Defined Benefit and Defined Contribution pensions, and has specialised in Governance Consulting, with a particular focus on risk management and governance change projects.

Liam is an Associate at Sackers. He advises trustees and employers on a broad range of issues in connection with both DB and DC arrangements.

Liam has experience in advising on and implementing DB scheme mergers and scheme closures, as well as advising on the pension-related aspects of corporate transactions and the Pensions Regulator’s moral hazard regime.

Liam acts for a number of hybrid schemes with DC sections, which have assets up to £2 billion. Liam’s recent DC experience includes advising on transfers of DC sections in hybrid schemes to DC master trusts, providing ongoing advice to DC master trusts and advising on compliance with new legislative and regulatory requirements in respect of DC benefits.

Aaron’s practice is focused on pensions disputes and assists clients in resolving contentious matters. This includes advising clients on member complaints under IDRP and before the Pensions Ombudsman. Aaron also has experience of High Court litigation and has worked on professional negligence matters for clients as well as working on applications to the High Court for directions as to the appropriate construction of pension scheme rules.