Kate Routledge graduated from Bristol University in 1982 where She read Economics with Statistics. She is a Fellow of the Institute of Actuaries, qualifying in 1988.

She worked first for Equity & Law (now AXA Sun Life) and then for pension consultants Noble Lowndes & Partners (now Mercer Human Resource Consulting).  After a short break with young children, she returned to work at the Wesleyan Life Assurance Society before joining Garvins, a firm of pensions consultants based in Bromsgrove in 1998.  Since October 2000, she has been an independent consulting pensions actuary specialising in providing technical calculations and advice on the mis-selling of personal pensions review and since, 2001, in providing actuarial advice to solicitors on the issues of pensions on divorce and loss of pension rights in damages cases.  She has worked with Collins Actuaries and its predecessor company for over 5 years.

She has dealt with all aspects of occupational pension schemes including actuarial, administration and documentation.  This work has included providing advice to Trustees regarding the level and pace of funding required to meet benefit promises and individual calculations regarding the level and value of member benefits.

She has considerable experience in advising on the amounts required to compensate individuals for loss of earnings or loss of retirement benefits as a consequence of accidents or divorce and has provided over 100 expert witness reports for solicitors and their clients.