Actuarial services for trustees

Acting as appointed Scheme Actuary is a central part of our business and we are a leading provider of these services in the UK. Our experienced team of Scheme Actuaries provide clear, concise advice that is tailored to your needs.

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Our mission is to help you approach your endgame journey with confidence. We do this by focusing your time and resources on the most important big strategic picture issues facing the scheme – making sure that the decisions you are taking are the best possible to help you achieve your long-term goal.

We use a clear and simple decision-making framework that we call DB Navigator®. Using this framework, our consultants will ensure you have a holistic and dynamic strategy, with integrated risk management at its heart.

Approach your endgame journey with confidence

Life expectancy has been rising in recent years. Many schemes are finding they need to invest more time in considering the most appropriate mortality assumptions to use. Our client teams work in tandem with our specialist Longevity Consulting team to provide a concise report making best use of the data available and tailored to the specific needs of your scheme. 

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Obtaining quotes requires careful consideration. Which insurers should be approached? How should the process be run? Which members should be insured? What is an acceptable price? As independent experts, with considerable experience in this market, we can provide unbiased opinions of the bulk annuity providers in the market and help you become comfortable with the transaction.

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Exercises providing members with more options around taking their benefits, like promoting cash equivalent transfer values or offering pension increase exchange, are becoming increasing popular with trustees. Not only can they reduce the cost or risk (or both) of running your DB scheme and speed up the time to reaching your ultimate goal but also help your members make more informed decisions about their retirement. Our experts can help you design and implement member options exercises specifically for your scheme.

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If your scheme is still open to new members, open to future accrual or the benefits have retained a link to final salary, it is important that you are receiving expert advice. Our client teams are experienced in providing the specialist advice required by open schemes and our independence enables us to find the solution that is right for your scheme.

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The legal position is clear. GMP equalisation needs solving. Prerequisite steps are GMP reconciliation and GMP rectification and where these have not been completed they should be considered together with GMP equalisation as part of the overall GMP project. 

Our experienced and specialist GMP unit coupled with scheme specific consultancy will help make your GMP project as painless as possible.

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Our in-house Pensions Research Group provide you with independent commentary and exclusive insights from experts at the forefront of pensions.

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We believe that good governance is critical. We can help you review processes, undertake governance reviews and assess trustee effectiveness and provide trustee training, virtually or face to face. 

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We recognise that things don't always run smoothly or go to plan. In these cases we are available to offer impartial and expert advice on a wide range of issues within pensions, as well as the insurance and investment sectors. Our experts have experience of working with legal and other advisers in providing advice or expert witness reports. We guarantee that our advice and reports will be clear, concise and free from any conflict.

We can also provide advice on the apportionment of life trusts, pension loss cases for individuals, divorce as well as other projects for companies and individuals which could benefit from actuarial expertise.

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The PPF levy can be a significant expense but there are things trustees and employers can do. Our consultants have helped a large number of clients manage the size of their PPF levy.

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The ongoing implications of changes to pensions taxation make retirement planning for executives increasingly complex. Our experienced executive pensions teams work with senior individuals and companies to help them understand the issues and options available to them and to develop retirement strategies. 

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