Grace Ho


Pensions & Employee Benefits

T: +44 (0)20 7406 1625

Grace Ho's LinkedIn profile


Grace assists with advising trustee boards and employers of pension schemes, on areas including Scheme mergers, with a particular focus on the Debt Regulations, PPF eligibility and ensuring trustees have satisfied the funding test. She also assists on pension overpayment; IDRP and Pensions Ombudsman complaints; Auto-enrolment and postponement notices; apportioning scheme liabilities; and trustee breaches of fiduciary duties.

Grace also advises on sex equalisation; overseas pension transfers from UK resident plans; amending scheme documentation; and review of effectiveness of scheme documentation.

She also advises on employee incentivisation, including putting in place enterprise management incentive schemes.

Recent Experience


  • Undertaking health review of scheme documents, and drafting necessary deeds to rectify historic errors.
  • Reviewing a set of international workers of different jurisdictions to determine whether they are found to be “workers” for the purpose of auto-enrolment legislation.
  • Advising a client on a transfer of pension from one scheme to another, between two jurisdictions, and the potential tax implications of such a transfer.

Employee Benefits:

  • Advised a US client on setting up a UK share option plan, which needed to work alongside its US stock option plan.
  • Advised a US client on setting up an incentive/equity plan for its employees in Denmark and Sweden.
  • Project management of multi-jurisdictional advice in relation to setting up an incentive plan.

Career History

Grace studied law at Queen Mary University of London and completed the LPC with BPP London in 2012. She spent a year working for Practical Law Company (Thomson Reuters) before completing her training contract with CMS Cameron McKenna from 2014-2016.

Grace joined Wedlake Bell’s Pensions and Employee Benefits team as a qualified lawyer in February 2016.


Fixed Protection 2016 and how it works when a Pension Sharing Order is awarded


Overpayments – NHS Pension Scheme has overpaid almost £100m since 2012


TPR launches its first prosecution for failure to auto-enrol staff


FDR LTD V DUTTON (CA) 2017 – Pension Increases


DWP Consultation on Pension Scams


High Court allows appeal against the Pensions Ombudsman


BHS – The latest score between Philip Green and the Pensions Regulator


The bid that fell through


The New Debt Regulations – Is the ability to defer section 75 debts as good as it sounds?