Actuarial 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 projections of the superannuation fund, allowing for future changes in mortality, interest rates, disability and other assumptions.

Business Valuations

FERM has the specialist accounting and actuarial expertise to assist you to perform a net present value of your business.  Using actuarial probabilistic techniques uncertain cash flows can be valued…
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If you wish to enhance the confidence of your staff, FERM can provide professional training in: financial mathematics, understanding options, futures, swaps and other derivatives…
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Derivative Valuations

You may need an independent valuation or audit of one or more derivatives.  These products include: exotic options such as barrier knock in/out options on currency, financial instruments and or commodities…
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Loan Structuring

FERM can assist you with the design or audit of sophisticated or vanilla loan structures that involve: derivatives such as options or swaps, multi currency coupon bonds…
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Mortgage Calculations

You may need an independent check on the calculation of loan repayments, interest calculations, and loans outstanding, on exotic or vanilla loan products. Further advice can be provided in the following areas…
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Project Evaluations

FERM can provide advice on the evaluation methodology of sophisticated projects which involve many uncertain variables. The process may involve: probabilistic forecasting, assessment…
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Retirement Village Valuations

FERM can provide the following services for a retirement village: periodic cash flow valuation reviews, actuarial calculation of an owner’s contingent…
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Risk Management

FERM can examine the risks associated with projects that involve hedging, currency, interest, expense, inflation and other exposures.  Appropriate risk controls can be provided…
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Cemetery & Nursing Home Reserving

FERM can actuarially determine for: a cemetery, the assets required to support the cemetery’s perpetual care obligations and for a nursing home…
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Valuations of estates and family benefits

Including: Family Net Asset Valuations, Estate Wind up Valuations, Superannuation Benefits, Valuation and Certification of Life Tenancies…
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Recent Topics

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    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