Expertise for complex pension matters.
An independent UK pensions and actuarial consultancy. The firm provides actuarial services across defined-benefit and defined-contribution pension arrangements, working with sponsors, insurers, regulated firms and IGCs — and the professionals who advise them — on the matters where actuarial calculations carry regulatory or judicial weight, and where the answer needs to be defensible. Six productised Solutions — four live and two in development — run on the firm's calculation platform. Senior-led from first conversation to final output.
Audience-led routing into the firm’s work.
Four buyer archetypes account for most engagements. If one of these describes you, the linked page is the right place to begin — each page sets out what the work is, who it’s for, and how engagement is scoped. For matters outside the four, the fall-through note below points to the right route.
Corporate sponsor or finance director with a defined-benefit scheme matter on the desk — funding-code valuation, buy-in or buy-out, transaction, or covenant question.
A regulated firm responding to past-business review, skilled-person scrutiny, or regulatory engagement — senior actuarial input where the firm is itself the regulated counterparty.
Solicitor, barrister, or counsel needing actuarial evidence on a pension matter — matrimonial single-joint-expert work, employment-tribunal compensation, or expert evidence at trial.
Trustee board, IGC chair, or scheme governance function. Workplace DC value-for-money assessment ahead of the 2028 in-force date, or trustee-side covenant and buy-in reading.
Where the matter doesn’t require a solicitor or other professional intermediary, the firm accepts instruction directly from individuals — equivalent in spirit to the Direct Access route familiar in the barrister profession. Two productised Solutions are available on this basis.
If the matter is a trust or estate valuation, a bespoke methodology need, or the right entry point isn’t obvious from the four above — get in touch. First conversation is to scope the matter, not to qualify the buyer.
Three disciplines.
The firm works alongside clients on pension matters through three integrated disciplines. Together they are how value, risk and capital outcomes are managed coherently rather than in isolation — how the firm makes sense of complexity for the people who have to act on the answer.
Pension cashflows valued symmetrically across DB and DC arrangements, on shared market data, calibrated for the regulatory regime in each engagement context. Court-ready in matrimonial proceedings; regulator-ready in DISP App 4 redress; transaction-ready in BPA fair-value pricing; covenant-ready under the TPR Funding Code.
The risks that bear on retirement income arrangements — longevity, market, mortality, sponsor covenant — articulated explicitly rather than buried in assumptions.
Capital deployed against pension obligations: sponsor capital for scheme funding under the TPR Funding Code; regulatory capital for insurance entities; transaction capital for de-risking and BPA pricing. The dimension where value and risk translate into capital outcomes.
The Fair Value Framework.
The Fair Value Framework is the firm’s method and practice, embedded in Congruent’s DNA.
The Framework anchors fair-value reasoning across the contexts where actuarial calculations carry regulatory or judicial weight: family proceedings, FCA redress, sponsor-covenant and funding strategy, de-risking transactions, FCA-regulated compensation claims. The same intellectual lens is applied to each. Calculation outputs across the firm’s Solutions carry the same analytical signature because they are applications of one Framework, not separate methodologies stitched together for different regulatory regimes.
The Framework is operationalised through Congruent Calculations™ — the firm’s audit-ready calculation platform — and delivered through the firm’s productised Solutions, each shaped to a specific regulatory context. What changes between Solutions is the regulatory shape, the procedural context, and the form factor of the deliverable. Bespoke advisory work, including the firm’s forward-looking analytical positions, follows the same Framework.
Congruent Calculations™ — 8+ years in production. Audited periodically.
since 2018
More on the platform — what it does, how it runs, who runs it →
Six productised Solutions, four live and two in development. Run on one platform.
The firm’s productised Solutions run on the Congruent Calculations™ platform — modular, transparent and defensible, giving decision-makers the confidence to act on the numbers. Two further Solutions sit in the firm’s forward stack — methodological framework established, productionised offering or regulatory regime not yet mature, bespoke engagement available now for clients with substantive matters in the pipeline. Advisory is a parallel pillar for senior-judgement work where a productised output isn’t the answer.
Writing from the firm, not from individuals.
Institutional authorship — articles attributed to Congruent Actuarial rather than to a named partner. The firm's credential is the firm's methodology, not a byline.
Seventeen articles in the firm’s first publication tranche, covering Pension on Divorce, BPA Fair-Value Pricing, Employment claims, Sponsor Fair-Value Analysis, and the Value for Money regime under CP26/1. Institutional authorship — articles attributed to Congruent rather than to a named partner.
Why pension valuation in divorce isn't a calculator question — Pension Sharing Order — Methodology and defensibility Why the Value for Money rating doesn't tell members what they need to know — Value for Money — Member outcomes
All seventeen articles →Every engagement is scoped in conversation.
The firm responds within one working day with whether it can take the instruction and what it would need to scope it. No pre-qualification questionnaire — the response is part of the scoping discussion. For specific service areas, the Solution and Advisory pages each carry their own enquiry form which routes directly to the relevant engagement team.
- Productised solutionsPension Sharing Order · Redress · Employment claims
- Bespoke advisorySponsor Fair-Value Analysis · Expert witness · S166 · transactions
- Platform & calculationsLicense · retainer · subscription · outsourced delivery
- General contactDirect contact details & enquiry form