Six productised Solutions, four live and two in development.
Congruent’s work is organised across two strata. Six productised Solutions cover the matters where actuarial calculations carry regulatory or judicial weight today — four live, two in development — packaged for their specific contexts and run on the Congruent Calculations™ platform. Two further Solutions sit in the firm’s forward stack — methodological framework established and operational, productionised offering or regulatory regime not yet mature, bespoke engagement available now for clients with substantive matters in the pipeline. All apply the firm’s Fair Value Framework — the firm’s method and practice, embedded in Congruent’s DNA.
Six productised Solutions.
Pension Sharing Order
Court-ready pension valuations for matrimonial proceedings under the Matrimonial Causes Act 1973 and equivalent regimes. Single CE valuations and pension-share valuations, with the firm’s equitable-share default for contested allocations.
Redress & remediation
DISP App 4 redress calculations and remediation modelling for pensions, investments, and complex retail products. Per-customer CMC™ artefacts traceable to the engagement control ID — auditable, regulator-ready, scalable.
BPA Fair-Value Pricing
Sponsor-side: an independent check of whether a bulk-annuity quote is consistent with the risk-neutral fair value of the scheme’s promise to members — a consistency assessment, not a price forecast and not a range. The firm does not model the insurer’s asset strategy, hedging or capital position. Applied through the firm’s Fair Value Framework.
Employment-related compensation analysis
Independent FCA-regulated analysis of compensation amounts in employment-related claims — unfair dismissal, discrimination, salary loss, pension loss. The first FCA-authorised actuarial firm able to provide this regulated activity. Engaged directly by employees, employment lawyers, employers and mediators.
Solutions in development.
The forward stack covers Solutions where the firm’s methodological framework is established and operational, but the productionised offering or the regulatory regime hasn’t yet matured. Each forward-stack Solution is tied to a specific regulatory or technical milestone, and bespoke engagement is available now for clients with substantive matters in the pipeline. Two Solutions sit in the stack today: Sponsor Covenant Analysis and Value for Money.
Sponsor Covenant Analysis
Quantitative covenant articulation for UK DB pension schemes operating under the TPR Funding Code, applied through the firm’s Fair Value Framework. A multi-route reconciliation diagnostic that translates the scheme’s disclosed funding bases into the implicit sponsor commitment they encode, benchmarked against the sponsor’s actual financial capacity. Complementary to qualitative covenant practice.
Value for Money
A productised route through the FCA and TPR Value for Money regime. Member-level analytics, an annual rating, and remediation support where the rating isn’t green. Native DB counterfactual; universal pooling coverage. Tied to the implementation timeline taking effect from 2028.
The firm beyond the Solutions.
Capabilities at a glance
The firm in one scroll: six Solutions, bespoke advisory work, the platform, and the regulatory profile behind every engagement.
Bespoke advisory work
Seven senior-led advisory areas alongside the productised Solutions — where the question requires assembling rather than fitting a productised shape.