De‑risking is our mindset. It's how we think, and it's what makes everything we do better for plan sponsors. Your current actuary runs the valuation, sends the invoice, and moves on. We can't work that way. Every valuation, every filing, every census file gets the same question: what can we do right now to make this plan cheaper and safer to carry?
Here's what that mindset does in practice. Say you've got a $100M plan with $110M in assets. De‑risk 20% of it and assets go from $110M to $90M while liabilities go from $100M to $80M. Your funded status doesn't fall. It actually improves. And when the next 20% market correction shows up, it hurts you less, because the plan it hits is smaller.
We've taken 100s of plans all the way through to settlement. When you've seen the exit that many times, you manage every plan with the exit in mind from day one. Data stays clean because we know insurers will price it. Inactive participants get paid out because we know exactly what they cost to carry. Nothing about your plan surprises us, because we've already closed 100s like it.
That experience is why our ongoing actuarial work is better than what you're getting now. Same valuations, same certifications, same filings. But every one of them is done by people who know where your plan is headed and how to get it there in the best position.
The traditional actuarial model bills by the year, so every additional plan year is additional revenue. That's why most frozen plans are still on the books a decade after the freeze. We're independent, and we're built the other way. We have zero incentive to keep you in the plan longer than necessary. When the numbers say go, we say go, and four months later you're out.
This team has executed 100s of plan terminations since 2015, across every plan size and industry. The figures below are measured results, not projections.
Your current actuary was never asked to think this way. We never stop.
Your analysis is built from your own public filings: carrying cost, funded status, and termination readiness.
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