Our team

  • Adam has been a leading figure in the growth and development of the bulk annuity market in the period since it began its expansion in 2007. Before he founded K3 Advisory he spent 4 years leading KPMG’s buyout advisory practice in the North of England and Scotland.

    Prior to KPMG, he was Pricing Director at MetLife where he was successful in building their bulk annuity business in the UK from start-up to being a market leading provider, before eventually being sold to Rothesay Life in 2014.

    In 2018, with the support of the Vestey Family and Western Pension Solutions, Adam founded K3 Advisory with the aim of using his unique experience to help trustees and sponsors find a secure home for their legacy defined benefit pension arrangements. He is a Fellow of the Institute of Actuaries.

    +44 (0)7701 326705

  • Nicola Duncan has over a decade of experience working in pensions consultancy across large scale projects since becoming a qualified actuary. She has advised a range of trustee and corporate clients, both in type and size, including those in financial services, public sector, manufacturing and oil services, as well as a large drinks firm, a construction company and a major publisher. Nicola has held several roles during her career, notably for Willis Towers Watson and, most recently, Mercer, where she worked for over seven years.


  • Emma is a qualified actuary with 10 years of experience working as an actuarial consultant providing advice to sponsors and trustees in relation to their pension arrangements.

    She previously worked at Willis Towers Watson where her role involved helping sponsoring employers of differing sizes and sectors manage their pension funding commitments and risks in areas such as; developing funding and investment strategies, executing liability management exercises and introducing scheme design changes.

  • Ben has more than 20 years’ experience of managing and consulting on UK and international pension arrangements. He joined the Vestey Group in 2001 and led their highly successful long term strategy to transfer more than £500m of pension liabilities to the regulated insurance market with a series of bulk annuity transactions.

    In 2015, with the support of the Vestey family, Ben established Western Pension Solutions with a mission to help external family businesses de risk their legacy pension arrangements and provide highly effective pension arrangements for current and future generations of employees.

    Ben continues to hold senior management positions for Vestey Holdings, including as a Board Director of K3. He is an associate member of the Pensions Management Institute.

  • Helen is an Executive Assistant with over 10 years of experience providing senior level executive support within the financial industry. She joined K3 in January 2019, having previously worked at Macquarie Capital and Barclays. Helen’s role involves supporting the Directors and team with all administrative duties.

  • Ben is a qualified actuary with eight years of experience, providing pensions advice to both trustees and sponsors of differing sectors and sizes.

    He joined Western Pension Solutions in August 2019, having previously worked at EY and more recently PwC. During this time, Ben helped to support both trustees and sponsoring employers manage their pension commitments covering liabilities from £2m to over £1b. This support included the implementation of liability management exercises and scheme design changes, funding strategy and valuation assistance, transaction of insurance solutions and the design and application of journey plans to help set and meet targets.

    Through the skills Ben has developed, together with his wide-ranging experience, he is in a strong position to provide actuarial advice and support family owned businesses in designing and implementing strategies for their pension arrangements that reflect their values and targets.

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