Who We Are
Founded in 2013, Congruent is a UK-based actuarial and financial risk consultancy. Our recognised and trusted experts specialise in providing individuals and businesses with services to solve complex pensions, risk and valuation challenges, especially in areas where actuarial calculations and redress are required. Our independence from financial product providers ensures our advice is always objective and aligned with our clients’ best interests.
We specialise in:
Pension benefit valuations and scheme funding advice.
Pensions redress and administration calculations.
Expert witness and litigation support.
Financial risk management and capital planning.
Data analytics and modelling via our Congruent Calculations™ platform.
We support a wide range of clients including corporates, trustees, private investors, insurers, legal professionals, accountants, insolvency practitioners, and IFAs
Congruent’s approach to excellence is unwavering. Services our delivered upon the highest professional standards and industry insight. Our consultants are supported by leading-edge technology, practices and processes, which are ISO 9001 (Quality Management Systems) certified.
Making sense of complexity
Congruent’s team is committed to delivering independent, expert financial and actuarial advice that simplifies complexity, supports confident decision-making, and creates long-term value for our clients.
Our Values
Our people are the heart of Congruent – dependable, experienced, and driven by purpose. We uphold the highest standards of professionalism, with every decision and action rooted in our core values. Clarity, Expertise and Integrity are more than words – they shape the foundations of everything we do.
Clarity
We simplify the complex and communicate with transparency.
Expertise
Our team brings deep actuarial and financial knowledge to every engagement.
Integrity
We provide impartial, conflict-free advice that puts clients first.
your trusted partner
Who We Help
Trustees, sponsors and finance leaders who need actuarial clarity that stands up to scrutiny and supports long‑term decision‑making.
Insurers, reinsurers and investment managers where transparent models, strong governance and senior technical oversight are essential.
Professional services teams requiring specialist actuarial input delivered with pace, precision and the discretion expected in multi‑disciplinary work.
Why Choose Congruent?
In most financial and legal matters, businesses and individuals turn to traditional professional advisors such as IFAs, accountants and solicitors. However, sometimes the subject matter is complex and requires specialist financial advisory and actuarial services.
By choosing Congruent, you’ll receive:
- Independent, conflict-free advice
- “Partner-level” expertise on every project
- Transparent, fixed-fee pricing
- Expertise trusted and recognised by professionals for complex financial matters