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Emma Frost

Partner

Portrait ofEmma Frost

Emma Frost

Partner

Contact
CMS Cameron McKenna Nabarro Olswang LLP
Cannon Place
78 Cannon Street
London
EC4N 6AF
United Kingdom
Languages English

Emma is a partner in our Pensions team. She is recognised as a leading practitioner in the pensions industry in the Who’s Who Legal.

Emma has extensive experience in advising trustees and employers on all aspects of the law relating to occupational pension schemes including scheme mergers, dispute resolution, pensions aspects of corporate transactions and work involving the Pensions Regulator.

Emma is the client partner for a number of major pension schemes including House of Fraser, Honeywell, Harrods, Sony Music and Royal London.

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“Emma is a great all-rounder. We have strong confidence in the quality of her advice, and her ability to deliver on time and on budget. It is a pleasure working with her."

Chambers, 2024

"Very knowledgeable, approachable and reacts quickly to requests"

Chambers

Emma is singled out as “excellent” in the Legal 500

“Emma is a great all-rounder. We have strong confidence in the quality of her advice, and her ability to deliver on time and on budget. It is a pleasure working with her."

Chambers, 2024

"Very knowledgeable, approachable and reacts quickly to requests"

Chambers

Emma is singled out as “excellent” in the Legal 500

Relevant experience

  • The Section 75 debt implications and negotiations on the sale of part of a group.
  • The simultaneous merger of six defined benefit schemes into a new scheme.
  • Currently advising a number of trustees and employers in relation to funding negotiations for their schemes.
  • The Trustee of an airline pension scheme in negotiations arising from the company's sale to a private equity firm and the scheme's entry into the Pension Protection Fund (PPF).
  • Trustees on the cessation of future accrual and negotiations with the sponsoring company including securing a guarantee from the US parent company.
  • Trustees on the release of a PPF guarantee and the purchase of (non employer-related) shares owned by the company in order to secure the viability of the company. This included discussions with the Pensions Regulator and time pressured negotiations to secure appropriate terms for the trustees.
  • Settlement negotiations between trustees and their administrators and securing appropriate terms for the member disputes on behalf of the trustees.
  • Ombudsman complaints and preparing a response on behalf of trustees/employers.
  • The implications for a pension scheme on the transfer of high value assets from one of the participating employers.
  • Providing advice in relation to asset backed funding arrangements; most recently involving a commercial property which was also key in providing additional protection for the trustees in the event of an insolvency scenario.
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Memberships & Roles

  • Full member of the Associate of Pension Lawyers
  • Emma sits on the Association of Pension Lawyers International Committee
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Publications

  • Contributor to the Pensions Law Handbook (16th Edition), Bloomsbury Professional.
  • Contributor to the Pensions Law Handbook (15th Edition), Bloomsbury Professional.
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Education

  • 2001 – LPC, Nottingham Law School, Nottingham
  • 2000 – Law Degree, University of Nottingham, Nottingham 
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Expertise

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09/10/2023
CMS launches 16th edition of the Pensions Law Handbook
CMS is delighted to announce the launch of the 16th edition of the Pensions Law Handbook, the definitive guide to pensions law and practice in the UK. Written by the CMS pensions team, it is an essential...
Publication
12/04/2022
Download the latest ‘CMS Pensions LawCast’ episode #38 – Update on recent...
Hosted by CMS Pensions experts this series looks ahead at the key issues developing in the pensions sector with a specific focus on what you need to know, and practically, what you need to do. In this...
Law-Now Pensions
05/08/2021
Trustee Knowledge Update - May-July 2021
Trustees of occupational pension schemes have a statutory duty to ensure that they have an adequate knowledge and understanding of the legal issues relevant to their scheme. They must also ensure that...
Law-Now Employment & Pensions
09/06/2020
Download the latest ‘CMS Pensions LawCast’ episode #2 - Governance and...
Hosted by CMS Pensions experts this series looks ahead at the key issues developing in the pensions sector with a specific focus on what you need to know, and practically, what you need to do. In our...
Law-Now Employment & Pensions
15/02/2018
Trustee Knowledge Update February 2018
Trustees of occupational pension schemes have a statutory duty to ensure that they have an adequate knowledge and understanding of the legal issues relevant to their scheme. They must also ensure that...
Law-Now Employment & Pensions
13/11/2017
Trustee Knowledge Update - November 2017
Trustees of occupational pension schemes have a statutory duty to ensure that they have an adequate knowledge and understanding of the legal issues relevant to their scheme. They must also ensure that...
Law-Now Employment & Pensions
28/07/2016
New DC Code of Practice comes into force
The Pensions Regulator’s revised Defined Contribution Code of Practice comes into force today. The Code is shorter than the previous Code and the 31 DC quality features have been replaced with six...
Law-Now Employment & Pensions
25/07/2016
BHS - the pensions angle
The House of Commons Work and Pensions and Business, Innovation and Skills Committees have issued their joint report into the collapse of British Home Stores. In this LawNow, we look at the Committees’...
Law-Now Employment & Pensions
05/06/2014
New Pensions Directive Proposed
The European Commission has finally adopted a proposal for a new IORP (Institutions for Occupational Retirement Provision) Directive, which will have an impact on all UK occupational pension schemes...
Publication
01/04/2014
New Pensions Directive proposed
The European Commission has finally adopted a proposal for a new IORP (Institutions for Occupational Retirement Provision) Directive, which will have an impact on all UK occupational pension schemes...
Law-Now Life Sciences & Healthcare
27/09/2011
Auto-enrolment: How to take the lead and make the transition smoothly
Thursday, 3rd November 2011 | 08.30 a.m. - 10.00 a.m. Location: CMS Cameron McKenna LLP, 160 Aldersgate Street, London EC1A 4DD Given that there are so many facets of auto-enrolment, it is vital...
Law-Now Life Sciences & Healthcare
14/10/2010
Government proposals on pensions tax relief: the biggest shake-up since...
The Treasury has today announced its formal proposals for restricting pensions tax relief from next April. As expected, it has dropped the previous Government’s arrangements which targeted those earning...
Law-Now Life Sciences & Healthcare
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