Our People


Find out more about our experts by reading their profiles below.

Gail Higgins – Managing Director

Gail Higgins read Mathematics at the University of Oxford and qualified as an Actuary in 1990.  She moved to Salisbury to work for UK Provident in 1982 and liked the city so much that she is still there!  Having worked for two other pension consultancies Gail founded Censeo at the end of 2004 as a means of providing a high-quality, tailored and independent service to smaller pension schemes through a firm that is wholly owned by its employees and has no debt and no ties with any investment manager.

Gail has held a Scheme Actuary practising certificate continuously since they were introduced in 1997.   She believes in being accessible to, and in communicating effectively with, Clients in order to demolish the “ivory tower” so often associated with her profession.  She has spoken at conferences in London and Amsterdam and currently chairs the Smaller Firms Committee of the Association of Consulting Actuaries.

Matthew Hill – Actuarial Consultant

Matthew has a degree in Mathematics and Economics from the University of East Anglia and qualified as an Actuary in 2013.  He has 20 years’ pensions and investment experience and joined us at the beginning of 2010.  He has worked on larger pension schemes at larger consultancies in the past but prefers working with smaller pension schemes where he feels there is more opportunity to add value.

Matthew’s experience includes:

  • traditional Trustee work,
  • company accounting for pension schemes and
  • pension scheme investment advice.

In addition we have a team of experienced consultants and administrators, enabling Censeo to offer a comprehensive range of services to smaller pension schemes.