About us
Actuarial services
Congruent was established in 2013 to provide businesses and individuals with specialist high-quality actuarial and financial risk services to assist with financial risk management, pension benefits valuation, pensions administration and redress calculations. We also provide high quality modelling and data analytics services using our pioneering Congruent CalculationsTM platform to licensed users.
Recognised for our expertise, we are regularly called upon to provide expert witness services including the provision of an expert for the determination of the appropriate division in a pension on divorce matter.
We are specialists in financial risk and application of the principles for understanding the current position and for planning purposes. This may be future needs in terms of risk mitigation / hedging or retrospective requirements for an independent valuation and risk analysis for balance sheet or regulatory reporting.
Our services are provided in a conflict-free manner and independent from any financial product or service provider.
Who do we help?
We assist businesses and individuals with finding solutions to their financial challenges.
Direct clients
- Non-bank financial institutions
- Private investors
- Real estate companies
- Small and medium-sized enterprises (SME)
- UK corporate entities
Professional advisors
- Accountants (auditing, business support and forensic)
- Financial advisors and IFAs
- Insolvency practitioners and business recovery specialists
- Legal advisors (e.g. solicitors or barristers)
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 input, which actuaries specialising in financial risk are equipped to provide.
This expertise is provided directly to businesses or through professional advisors on an impartial and independent basis.
By choosing Congruent, your business receives:
- Access to detailed actuarial knowledge and insights.
- “Partner level” expertise and experience.
- Conflict-free advice.
- Competitive and affordable pricing.
We always seek to understand your objectives, values and interests, in relation to the matter in hand and provide our advice accordingly.
Transparent and fairly priced expertise
Like most professional firms, we are prepared to provide our services for fees calculated on an hourly rate based on the seniority of Congruent staff employed, plus disbursements. However, in most cases Congruent will ask a prospective client to provide sufficient information for Congruent to quote a fixed fee. A detailed Statement of Work (“SoW”) will be issued for the client’s approval. For assignments that naturally consist of two or more stages, or where later stages of the work are unclear at the outset, a fixed fee may be offered for each stage of the work, with a separate SoW for each stage.
VAT is added to invoices for all Congruent services to meet legal requirements.
