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Ruth Stringer

Ruth Stringer


Ruth is a consultant specialising in financial services. 



Ruth is a financial services lawyer with more than 30 years’ experience and also serves as a Non-executive Director of listed financial services group, HUB24.

Ruth has particular expertise in superannuation, funds management, life insurance and financial services regulation. Ruth has been at the forefront of retirement income reform through her involvement in many industry working groups and Treasury Consultations, as well as having worked with clients to develop innovative retirement income products.

Ruth’s career is varied – her experience includes serving as the General Counsel of MLC, one of Australia’s largest wealth management businesses, as well as working as a Senior Specialist in the recently formed superannuation team in ASIC.

Some recent examples of Ruth’s work includes advising on:

  • Financial services regulatory issues associated with CBA in relation to its recent sale of a 55% stake in Colonial First State to KKR for approximately $1.7 billion
  • Advising the trustee of an industry superannuation fund on an innovative retirement income product offering some protection from volatility of returns while allowing investors to retain exposure to investment markets
  • Providing regulatory advice as part of a multidisciplinary team advising the trustee of an industry superannuation fund on its response to an investigation by a regulator
  • Advising on the establishment of a new annuity product designed to take advantage of the new standard for innovative retirement income streams
  • Advising a major corporation on transitioning its corporate superannuation plan from a retail master fund to an industry superannuation fund
  • Assisting industry participants to make submissions to Government in relation to the introduction of a retirement income covenant
  • UniSuper’s innovative, integrated retirement income product called FlexiChoice. FlexiChoice was announced as UniSuper’s proposed new flagship product, designed to bridge the traditional gap between superannuation and pension products
  • the legislative amendments required to facilitate the offering of deferred lifetime annuities to retirees. This involved consultation with Treasury on behalf of clients on the introduction of legislative reforms catering for “Innovative Superannuation Income Streams” and with the Department of Social Services in relation to the treatment of these income streams for social security purposes



Ruth holds a Bachelor of Science and a Master of Laws from the University of Sydney. Ruth also has a Graduate Diploma in Applied Finance & Investment from the Financial Services Institute of Australasia (FinSIA), a Diploma in Financial Planning from Kaplan and has completed the Company Directors course offered by the Australian Institute of Company Directors.

Market Recognition

Ruth is an Emeritus Member of the Law Council’s Superannuation Committee and is a regular contributor to the Australian Superannuation Law Bulletin. Ruth is ranked Band 1 in Superannuation in the 2020 edition of Chambers Asia Pacific Guide, noting, “Ruth Stringer is highly regarded throughout the market for her extensive knowledge and experience of all aspects of financial services law. Her expertise in funds and superannuation law in particular is highly sought after by a wide range of clients.” Ruth has been ranked as a leading superannuation lawyer by “Best Lawyers” over many years, including having been awarded the title of “Superannuation Lawyer of the Year” for Sydney on 3 occasions, including for 2019. In the latest (2021) edition of Best Lawyers, Ruth is listed as a leading lawyer in four categories: Financial Institutions, Insurance Law, Regulatory Practice and Superannuation Law.

In recognition of her reputation as a leading superannuation lawyer, Ruth was appointed by the Government to the Board of Taxation’s Advisory Panel and the CIPR (Comprehensive Income Products for Retirement) Framework Advisory Group.