Sam Ashraf

Sam is a qualified actuary and Accredited Trustee through the Association of Professional Pension Trustees, with a wide-ranging background in scheme governance, funding, and risk management. She acts as a professional independent trustee, working with DB and DC schemes across a variety of sectors and sizes.

With a strong technical foundation and strategic mindset, Sam brings valuable insight to trustee boards. Her actuarial background enables her to analyse complex funding issues and engage effectively with sponsors and advisers. She is known for her practical, measured approach to decision-making and her ability to navigate challenging scenarios with calm and clarity.

Sam is an active contributor to the pensions industry, serving on the APPT’s ESG Committee and participating in initiatives with the Institute and Faculty of Actuaries. Her involvement reflects her commitment to driving high standards of governance and integrating responsible investment practices into trustee thinking.

Sam has supported schemes through all stages of the pension lifecycle, including buy-in and buy-out transactions, regulatory engagement, and scheme wind-up. She has particular experience in managing schemes with stressed funding positions, helping trustees and employers find pragmatic solutions that protect member outcomes. She is also involved in exploring innovative consolidation options for DB schemes and helping DC trustees develop modern, member-focused retirement pathways.

Clients and colleagues value Sam’s collaborative style and ability to communicate technical concepts in a clear and accessible way. She is trusted to foster strong relationships with advisers, fellow trustees, and sponsors to deliver shared objectives with transparency and accountability.

Sam’s combination of technical depth, governance expertise, and commitment to continuous improvement makes her a trusted and effective voice on any trustee board.