The pension environment often seems complex and is constantly evolving as regulations and underlying financial and demographic conditions change. We maintain an open and clear dialogue with our clients to ensure that they are positioned to take advantage of change and keep on top of their regulatory duties and responsibilities.
Our actuaries and consultants pride themselves on being able to explain complicated issues using clear and straightforward language and in doing so we develop confident and long lasting relationships with our clients.
RCL offers advice to trustees and employers of defined benefit pension schemes in the following areas:
- Scheme funding
- Scheme governance, compliance and risk management
- Investment strategy and investment default options
- Risk benefits, eg death-in-service, ill-health
- Cash flow modelling and projections
- Scheme design
- Member communications
- Actuarial guidance and factors
- Annual funding updates
- Pension scheme accounting
- Ad-hoc actuarial advice
In addition, we offer advice to managers of defined contribution pension schemes in the following areas:
- Member communications
- Investment strategy and investment default options
- Risk benefits
- Scheme design
- Scheme review