Description: This article presents an overview of enterprise risk management, ERM, and uses an example to explain the basic concept.

Description: Full version of The Independent Consultant Newsletter, October 2006, Issue No. 12.

Description: Full version of The Independent Consultant Newsletter, February 2006, Issue No. 10.

Description: Since the early 1990's, interest rates in the U.S. economy have been declining, thus increasing the liabilities of defined benefit pension plans. Furthermore, after the bull market of the 1990's with its unprecedented returns, the market came to a crashing halt in 2000. Since then, the majority of defined benefit plans have experienced three years of negative returns with some losing more than 40 percent of their value. Analysts have been referring to this combination of declining interest rates and negative investment returns as a 'perfect storm' leading to a pension crisis. This paper discusses how plan sponsors can effectively manage their defined benefit plans during this crisis.

Description: This article discusses how the SOA exams have changed over the years and the reasons for the changes. The current system focuses on actuarial education, balances examination rigor with educational experience, and uses technology - where appropriate - to facilitate and enhance learning outcomes.

Description: Proposes a benchmark consisting of TIPs and deferred income annuities for retirement asset allocation decisions.

Description: Biography of Dan Cassidy and his path to creation of Argus Consulting Ltd.

Description: Reasons for a Board of Advisors: open forum, extend network, marketing. Also discusses considerations in choosing a Board.

Description: Full version of The Independent Consultant Newsletter, June 2006, Issue No. 11.