Sandra Terras is an Associate of the Faculty of Actuaries. She has been involved with pension consultancy since 1995, initially with large actuarial consultancies and latterly as an actuary and director of Carlisle & Collins Limited. She has developed a broad range of knowledge and experience of all types of pension arrangements and currently advises more than 40 Small Self-Administered Schemes (SSASs). For almost twenty years Sandra has also provided or been involved in expert witness opinions for the legal profession, specialising in the earnings and pension aspects of personal injury, family law and employment tribunal cases. She has taken instructions over the years from several hundred solicitors from all over Scotland.