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Harriett Cleal

Harriet Cleal


CMS Cameron McKenna Nabarro Olswang LLP
Cannon Place
78 Cannon Street
United Kingdom
Languages English, Spanish

Harriet Cleal is an associate in the Pensions Team. She joined CMS as a trainee solicitor in 2014 after studying economics and law, and qualified into the Pensions department after training there for six months. She advises defined benefit and defined contribution clients on a wide range of advisory and contentious matters, as well as on the pensions aspects of corporate transactions. 

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Relevant experience

  • Various energy sector pension clients in relation to the complex rules for ex-public sector schemes, including the Protected Persons requirements and pensions interactions with OfGem's regulatory framework. 
  • A trustee client on the merger of three large defined benefit schemes into a newly established plan.  
  • DC and hybrid schemes in relation to a bulk transfer to a master trust, including on issues arising in relation to gated funds, GMP underpins to DC benefits, protected pension ages, protected tax free cash entitlements and regulatory requirements around default funds. 
  • Trustees and employers on de-risking and liability management exercises such as enhanced transfer value exercises, pension increase exchange exercises, buy-ins and buy-outs.
  • Trustee clients with schemes which have fallen into a PPF assessment period, including advising on transfer to the PPF, a PPF+ buy-out and ongoing technical matters during the assessment period. 
  • A client on a successful defence to an investigation by The Pensions Regulator.
  • Several sets of pension scheme trustees on their transition of administration services to a new provider, including contractual review, member communications and engaging with project managers through each stage of the transition. 
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  • 2011 – Law, Cambridge University, Cambridge.
  • 2008 – Economics, Bristol University, Bristol.
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  • Member, the Association of Pensions Lawyers.
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  • Contributor to the Pensions Law Handbook (15th Edition), Bloomsbury Professional.
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