Chris Heritage

Associate Director

T: 020 3889 6324   |  

E: Email Chris

Chris is an Associate Director at Lincoln Pensions. He joined in May 2016, having spent two years within the covenant advisory team at EY. He has over four years’ experience advising on employer covenant and related matters. Chris is a qualified Chartered Accountant (ICAS).

Chris advises schemes of all sizes, with a client portfolio that ranges from assets of £70m to over £15bn, across a broad spectrum of industries but with a particular focus on the utilities and retail sectors.

His recent mandates include:

  • Providing detailed advice to trustees on the covenant impact of M&A activity and helping in negotiations with the sponsor to ensure appropriate mitigation
  • Helping trustees to understand and implement appropriate scheme-specific contingent funding structures, including asset-backed funding agreements and reservoir trusts
  • Providing independent expert covenant advice to the Pensions Regulator following the publication of the TPR’s master trust code of practice (Code of Practice no.15 – “Authorisation and supervision of master trusts)
  • Chris has also provided advice and support to master trusts seeking authorisation under the new regulatory environment.
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