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Who we are?



"FERM is an actuarial management consulting company which offers a "FERM" commitment to solve financial problems involving risk and uncertainty.

Our customized approach ensures that we listen to the client’s needs and then develop a solution set that is transparent, clear, efficient and effective. We seek to be agents of commitment - that will last - for our clients, our staff, and society broadly.

About Us

Our Services?



Actuarial certification may be required to ensure that segregated assets are sufficient to meet the present value of pension liabilities. Where assets are not “segregated”, an annual actuarial certificate is needed to determine the tax free proportion of income that applies to current pension liabilities.

FERM is also able to supply certificates of the maximum and minimum permissible account based pensions. The practice can also provide...

Our Services

Insight Story



If you are contemplating a fixed rate mortgage look carefully at the provisions in the contract, particularly with reference to the break provision. If interest rates fall you may have to pay a penalty based on the interest differential on the principal for the remaining term. A simple example is:

- Assumed Fixed rate at date of break 7.8%

- Remaining term at break 2 years ...

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Recent Topics

  • Are you purchasing or selling items in another currency? You may need special currency protection.

    Risk Management
  • Are you concerned about the rate of increase of our federal debt?

    Federal Debt
  • If you are over 65 and working, are you salary sacrificing optimally?

    Salary Sacrifice

Financial Engineering & Risk Management Pty Ltd

  • Account Based Pensions
  • Business Valuations
  • Cemetery & Nursing Home Reserving
  • Derivative Valuations
  • Loan Structuring
  • Mortgage Calculations
  • Project Evaluations
  • Retirement Village Valuations
  • Risk Management
  • Training
  • Valuations of estates and family benefits
  • Estate Wind up Valuations