• What is Life Expectancy?

    Life expectancy is used for a number of purposes but most people do not understand what it really means.  Here we explain it and the impact on retirement planning.

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  • Criminal Rate of Interest

    Because of the way Canadian law defines it, one can unknowingly charge a criminal interest rate and end up in hot water.  We explain the criminal rate of interest.

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  • Looking for a New Consultant

    Here are questions rarely asked in a Request for Proposal (RFP) that probably should be.  They will help you appoint a new benefit or pension consultant and reduce the risk of problems arising in the future.

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Expert Testimony Services


Criminal rate of Interest – certification and strategic advice

Personal Injury loss quantification

Loss of income and/or benefits quantification (Wrongful dismissal)

Present Value of future contingent events







Retirement Planning


Employee seminars

– saving for retirement

– retirement budgeting

– appreciating your employer plan

Personal planning

– retirement planning

– understanding your personal pension statement and options




Strategic Pension Advice


Advice about design, funding and governance of retirement savings plans

Actuarial valuations for pension and benefit plans

- funding and regulatory

- accounting

- wind up and solvency






Governance of Pension & Benefits Plans


Governance audits and reviews for both DB Plans and CAP Plans

Design and documentation of governance systems

Governance training and seminars for pension committees and boards