Actuarial Consulting
At APS Pension & Financial Services, we provide comprehensive actuarial services to help businesses design, manage, and optimize their retirement plans. Our collaborative approach ensures that plan sponsors receive data-driven insights, regulatory compliance, and strategic investment guidance to maintain the long-term sustainability of their plans.
Actuarial Services Provided by the Third-Party Administrator (TPA):
Our third-party administration team delivers expert actuarial analysis and plan management services, including:
- Plan Design & Compliance Testing – Developing tailored retirement plan structures that align with business objectives while ensuring compliance with IRS and DOL regulations.
- Valuation & Funding Analysis – Conducting actuarial valuations to assess plan funding status, contribution requirements, and financial sustainability.
- Risk Assessment & Liability Management – Analyzing potential funding risks, projected liabilities, and cost-containment strategies.
- Cash Balance & Defined Benefit Plan Support – Designing and administering pension plans, including cash balance plans, to provide predictable retirement benefits.
- Regulatory Filings & Actuarial Certifications – Preparing required government filings such as Form 5500, Schedule SB, and PBGC reports while ensuring ongoing regulatory compliance.
Actuarial-Driven Investment Advisory Services:
Our investment advisory team complements actuarial insights by integrating strategic investment management solutions, including:
- Asset-Liability Matching – Structuring investment portfolios that align with plan liabilities to mitigate market volatility and funding risks.
- Fiduciary Oversight & Governance – Ensuring investment decisions align with ERISA fiduciary standards and long-term plan objectives.
- Custom Investment Strategies – Developing tailored asset allocation strategies for defined benefit and defined contribution plans to optimize returns and minimize risk.
- Ongoing Monitoring & Performance Analysis – Continuously evaluating portfolio performance, market conditions, and plan funding levels to adjust strategies proactively.
- Participant Education & Communication – Providing financial literacy and investment education to enhance employee engagement and retirement readiness.
Comprehensive Retirement Plan Solutions
By combining actuarial expertise with investment advisory services, APS Pension & Financial Services offers a holistic approach to retirement plan management. Our collaborative model ensures that plan sponsors receive the strategic insights and fiduciary support needed to maintain a compliant, well-funded, and effective retirement program.