Featured Face: Paul Ratcliffe

At PTL our people are our strength. We aim to attract and retain the best. We make a point of employing people of differing character. This means that we have someone who can fit into any client relationship.

Here is an insight into a member of our Leeds team, Paul Ratcliffe.

Paul RatcliffeWhat was your favourite subject at school? Worst?

Science generally was my favourite subject (and still is!), probably Biology best out of all of them.

Worst were languages, which I regret now as I would love to speak another language but I’m terrible at learning them!

Do you have a nickname?

“Ratters” is probably the one that has stuck the most. I’m sure there are a number of others floating around the people who know me.

If you had to be classified as a member of a “generation” which would it be?

I had to Google this one, it turns out I’m Generation Y aka the “Millennials”.

What was the first record that you bought?

MC Skat Kat featuring Paula Abdul – Opposites Attract.

What was the last concert you went to?

Lady Gaga – Monster Ball Tour.

What did you want to be when you were at school?

Cooler, and not quite as skinny as I was.

What was your first job?

Stockroom Assistant at Index – I only got to see daylight through a small tear in the window sign…

How did you start in the pensions profession?

Originally I worked in endowment compensation handling for Higham Dunnett Shaw, and transferred to their Pensions team when the opportunity arose.

What is your favourite book and film?

Favourite film – Aliens (although Heat is a close second).

Favourite book – World War Z.

What three adjectives would your colleagues use to describe you?

Which colleague?! I would like to think they would remain professional and positive and go for things like; practical, organised, pro-active. However pass them a bottle of Rose and there’s a chance they might be honest too!

What aspect of pensions legislation or provision would you change if you could?

I would make auto enrolment compulsory and I would have never allowed contracting out.

Who is the most irritating person in the industry or public eye? 

I’m not a fan of George Osborne.

Who is the most influential person in the pensions industry?

Arguably Steve Webb.

Should saving into a pension be compulsory? 


Pension or ISA?

Ideally both!

What is your worst habit?

Cracking my knuckles.

When was the last time you lost your temper?

At the printer in our office.

What was the last “bargain” you got?

A free hand blender!

What is your favourite meal and drink?

Can’t beat a good steak (rib eye or sirloin) and chips, washed down with a cold lager (Asahi).

What is the biggest bet you ever placed and did you win?

I’m not very good at betting and even worse at winning. I once won £80 on the Grand National.

Who would be your ideal dinner guest?

Michael Buble.

What was the last country you visited?

Spain, Barcelona.

How do you plan to spend your retirement years?

Working, like the rest of us… If I can afford to I’ll hopefully get a job at B&Q that would be awesome.

Congratulations, you’ve won the lottery. What next?

Trip to New York to buy lots of shiny things, then new car, some houses, Apple products and technology everywhere!

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PTL is an award-winning provider of independent trustee and governance services, serving clients across the UK. Our specialist team of professional trustees deliver a pragmatic, personable and professional service to help you effectively manage your scheme.