Lucy Dunbar



Lucy advises trustees and employers on a wide range of defined benefit and defined contribution pensions issues, with particular experience in benefit change exercises. She has advised on exercises involving closure to future accrual, implementing pensionable pay caps and introducing new benefit structures, including advising employers on contractual changes and consultation exercises.

She also has experience in a range of defined contribution issues, including advising on the implementation of DC flexibilities, changing the default arrangements and preparing the chair’s annual governance statement.

Lucy takes a keen interest in pensions tax, advising for example on issues relating to the reduction in annual and lifetime allowances and the categorisation of authorised and unauthorised payments.

She has been involved in a number of scheme mergers and corporate restructurings and enjoys working with trustees to resolve member disputes and discretionary benefit cases.

Lucy sits on the Association of Pension Lawyers’ Legislative and Parliamentary Committee.

Memberships and Qualifications

Membership of professional bodies:
Association of Pension Lawyers (Full Member) – Legislative and Parliamentary committee member

Career history

Qualified: 2008, England & Wales

Pensions experience since: 2008

Joined Sackers: 2008

Joined partnership/LLP: 2017

Employers: Lovells LLP (2006-2008)

Academic history


Nottingham Law School (2005-2006)
BPP (London) Law School (2004-2005)
Selwyn College, University of Cambridge (2001-2004)

Degree: MA (Hons) Natural Sciences (Chemistry) (1st class)
Graduate Diploma in Law (Distinction)
Legal Practice Course (Distinction)

Further Information

Extracurricular interests and activities:

I enjoy horse-riding, hiking, live music and cooking.