I set up John Ralfe Consulting in 2003 to help companies & trustees to address pension issues in a clear, focused & practical way.
Until 2002 I was Head of Corporate Finance at Boots and was instrumental in moving the £2.3bn Boots Pension Fund to 100% AAA long dated sterling bonds, followed by a Company share buyback, described by The Economist in 2006 as a “landmark”.
My clients include several FTSE100 & FTSE350 companies, with pension liabilities from £200m to £2.5bn, as well as non-quoted companies, and the Trustees of one of the UK’s largest University schemes.
Following a report to Ofcom in 2010, in 2011 I wrote an expert witness report on BT’s pensions for the Competition Commission, on behalf of BSkyB and TalkTalk.
I have written over 70 research notes and articles on all aspects of pensions, including a series of 50 notes sponsored by RBC Capital Markets. I am a regular contributor to the Financial Times and the BBC Today Programme, as well as appearing on the BBC News at Ten and Channel 4 News.
I was also a consultant to the Accounting Standards Board on FRS17 and the International Accounting Standards Board on share options.
As well as pensions, I have 20 years capital markets, treasury & transactional experience, both as a corporate and banker.
My practical & pragmatic approach is underpinned by a rigorous framework of economics and I have worked with leading US academics, including working with Harvard Business School to turn Boots Pensions into a Case Study.
Before joining Boots in 1991 I spent 11 years in banking & consulting with Chase Manhattan, Warburgs, Swiss Bank Corporation and Ernst & Young Corporate Finance.
From Grammar School in York I went as an Open Scholar to Balliol College, Oxford, where I got a First in PPE in 1978 & then studied economics at King's College, Cambridge. See biography.
I am available for conference speeches, with the rate depending on the type of engagement.
DATABASE
The site contains nearly 1,000 papers & articles on pensions, ranging from academic journals, to Government Papers to newspapers. Copyright for all articles remains with the author & original publication. There is a search facility. Registration is required to minimise auto-spam mail.
FAIR DEALING NOTICE: This site contains copyrighted material the use of which has not been specifically authorized by the copyright owner. John Ralfe Consulting makes this material available without profit to those who have registered an interest in receiving the included information for research and educational purposes. We believe this constitutes fair dealing with such copyrighted material as provided for in Sections 29 & 30 of the Copyright, Designs & Patents Act 1988. If you wish to use copyrighted material from this site for purposes of your own that go beyond fair dealing, you must obtain permission from the copyright owner.
Since August 2005 the FT has obliged the removal of all articles written by its journalists, including those covering my research notes.
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Updated: 27/3/2012
