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Ross Trustees

Richard Cousins

Trustee Director

Contact Information

M  +44 (0)7801 459 550
Email me  •  LinkedIn

  • Overview
  • Expertise
  • Experience

Richard has 35 years’ pensions experience built through a variety of senior roles across the pensions industry.

Richard adopts a consensual approach between trustees and employers in all matters, particularly in terms of long-term objectives, investment and funding. He joined Ross Trustees because of its collaborative approach with a team from a diverse range of professional backgrounds who put integrity, professionalism and efficiency at the heart of everything they do.

Richard is head of Ross Actuarial Group which supports other Trustee Directors on projects such as  GMP equalisation, alternative funding approaches, buy-ins, cash flow matching and actuarial tenders.

An actuary by training, Richard started his career as a Scheme Actuary but spent the last 20 years advising Corporates with experience across a variety of sectors. He enjoys a strong and productive relationship with The Pensions Regulator and has worked with the Regulator since its establishment in 2005.

Richard is a fully accredited professional pensions trustee with the Association of Professional Pension Trustees, a member of the Pensions Management Institute, a Fellow of the Institute and Faculty of Actuaries and has completed The Pensions Regulator’s Trustee Toolkit.

“I have worked with Richard since he joined the board of the Pension Fund in 2014. He is someone that I trust and is always happy to pick up the phone and provide guidance and advice. He has a unique ability to distil complexity into something more user friendly and practical for non-experts. Richard is a dedicated professional and brings a refreshing approach to pensions.”
Pensions Director, Pension Fund

Articles

Appointments update 21 January 2021 – Pensions Age Magazine

  • Adviser reviews
  • Buy-ins
  • Buy-outs
  • Closure to future accrual projects
  • Corporate events e.g. insolvency & restructuring
  • Covenant reviews
  • Experience of considering some of the new alternatives to buy out (e.g. consolidators, capital backed journey plans etc)
  • Experience of putting in place an asset backed arrangement (e.g. reservoir trust, asset backed contribution, escrow)
  • Interaction with TPR
  • Liability management exercises, e.g. PIEs, WULS, trivial lump sum exercises
  • Mentoring lay trustees
  • Oversees parent company
  • Scheme governance
  • Scheme mergers/de-mergers
  • Supporting clients in respect of GMP projects
  • Richard has completed complicated buy outs including rectifying the benefits and dealing with significant issues caused by previous advisers
  • Richard was previously the Scheme Funding partner at PWC as well as implementing capital backed journey plans as a Trustee. Worked with Trustees for a year analysing and rejecting a new alternative provider
  • Advised on lots of buy-ins in his former career as an actuary
  • Ross Actuarial Group takes a lead role in the process for assessing both actuaries and covenant advisers in particular
BACK TO TEAM

Related News & Views

News: 21 Jan 2021

Ross Trustees strengthens team with appointment of Trustee Director Richard Cousins

Richard joins the firm from PwC where he was a Partner and led the firm’s pension funding solutions group.

READ MORE

Insights: 18 Mar 2021

Making sense of the numbers

Richard Cousins comments on transfer values in the latest edition of Pensions Age.

READ MORE

View More

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Ross Trustees Services Limited (company registration number 07904277) and Ross Corporate Services Limited (company registration number 07104969) are registered in England and Wales.
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