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Terra L. Klinck is an experienced pension and benefits lawyer with Toronto-based Brown Mills Klinck Prezioso LLP. Terra has over 20 years’ experience advising both provincially and federally-regulated employers and plan administrators, primarily in the private sector, on all legal issues relating to defined benefit (DB) and defined contribution (DC) pension plans and benefit plans, including: governance, fiduciary responsibilities, plan administration and regulatory compliance, funding requirements, pension fund investment and surplus utilization.

Terra has a wealth of experience advising private sector employers restructure their legacy DB pension arrangements, including investment restructuring and de-risking initiatives (e.g., buy-in and buy-out annuity purchases), plan mergers and plan wind-ups.

Terra has extensive experience advising on pension and benefit matters in corporate transactions, including mergers and acquisitions, insolvencies and restructurings.


  • Richmond-Adelaide Centre
    130 Adelaide Street W., Suite 1005
    Toronto, ON M5H 3P5


  • University of Western Ontario, LL.B.

Bar Admissions

  • Ontario, 1997
  • Ontario, 1997


  • Osgoode Professional Development - Instructor, Pension Law Certificate Program
  • Canadian Bar Association - National Pensions and Benefits Law Section , Executive Member, Co-chair of the Advocacy and Government Relations Committee
  • Ontario Bar Association - Member (Pension and Benefits Section) (previously participated on the Executive)
  • Financial Services Regulatory Authority of Ontario, Standing Technical Advisory Committee for Defined Contribution Pension Plans - Member

Recognized in The Best Lawyers in Canada 2023 for work in:

  • Employee Benefits Law


  • The Legal 500 Canada (2023)
  • Chambers Canada (2022-2023)
  • The Best Lawyers in Canada (2020-2023)
  • Who’s Who Legal: Labour, Employment & Benefits (2019-2022)
  • Who’s Who Legal: Canada (2019-2021)
  • Canadian Legal Lexpert Directory (2015-2018, 2020-2022)
  • Lexpert Zenith Award (2018)

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Representative Work

  • Advises a large professional association in conjunction with its development and implementation of a retirement program for its 40,000 members, which includes a novel annuity purchase feature.
  • Acts as counsel to a large Canadian financial institution in respect of its Canadian pension and savings plans, including governance, compliance and regulatory matters, plan consolidations and mergers and acquisitions related activities.
  • Advised an employer on the conversion of its single employer plan into a sector jointly sponsored pension plan, including the transfer of legacy defined benefit liabilities.

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