Rowanmoor actuarial consultancy.

Our experienced team of actuaries are part of the Embark Group and provide specialist actuarial solutions to trustees, sponsoring employers of occupational pension schemes and pre-paid funeral trusts.

Our in-house team of actuaries are available to support the needs of those responsible for group schemes or who require actuarial assistance for a specific project.

The Rowanmoor Actuarial Consultancy team can:

  • be appointed scheme actuary for final salary schemes
  • produce pension scheme accounting disclosures
  • provide corporate financing planning
  • calculate valuations of life interest in a will trust
  • be appointed actuary to pre-paid funeral plan trusts
  • advise on pension scheme mergers, reconstructions and wind-ups
  • assist with pension sharing on divorce cases
  • support major alterations to scheme benefit structures
  • offer ad-hoc consultancy


We start by analysing your needs and requirements, setting the foundation for a proactive and commercial ongoing relationship.

Acting as actuarial adviser (as required under the Pensions Act), we provide full actuarial consultancy services. Our aim is to simplify the complexities of employee remuneration and benefit provision. 

We target an eight week turnaround from receiving complete membership details from the scheme administrators to delivering preliminary valuation results. 

At times it is necessary to value a life interest in a Trust holding an asset such as property. In this instance we will require details for the individual and the asset subject to the life interest, in order to prepare the required calculations.

Do you need actuarial support?

To find out more or explore how we might be able to assist, please get in touch.

"Rowanmoor Actuarial Consultancy (RAC), part of the Embark Group, provides specialist actuarial solutions to trustees and directors of SME firms. We have designed our services around the same philosophy that has made Rowanmoor the UK’s largest independent provider of SSAS solutions.

This means providing first-rate, personal service to trustees and sponsoring employers of occupational pension schemes and pre-paid funeral trusts. We take time to understand the goals, build long-term relationships and create lasting solutions for our clients using our in-depth actuarial experience."


meet our actuarial consultancy team.

David Downie

Group Chief Actuary

David Downie, Group Chief Actuary

David Downie

Group Chief Actuary

David is a qualified Actuary with over 25 years of experience in Pensions Consultancy. David trained with two of the largest consulting actuarial firms in the UK. He is responsible for all actuarial and technical services provided by Rowanmoor including holding the appointment of Scheme Actuary to several Defined Benefit Schemes. He pioneered the concept of the defined benefit small self-administered scheme (DB SSAS) under the Post A-day simplification landscape. David has spent several years on the committees of the Association of Pensioneer Trustees and its successor the Association of Member-directed Pension Schemes (AMPS) where he fulfilled the post of Treasurer. In recognition of his long service, he is now a life member of AMPS. David continues to be a member of the Association of Consulting Actuaries (ACA) small schemes committee. He is also a member of the Institute and Faculty of Actuaries Funeral Plans Working Party and spends a lot of his time advising Trustees of several Pre Paid funeral plans both in the establishment and the ongoing management stage.

Alan Finch

Head of Actuarial

Alan Finch, Head of Actuarial

Alan Finch

Head of Actuarial

Alan qualified as a Fellow of the Institute and Faculty of Actuaries in 1997. He worked for eight years in the Wealth Management Division of Barclays Bank plc in central London, involved in major financial restructuring and product development projects. In 2002 he joined the company as a pensions actuary, carrying out scheme actuary work, FRS102 reports for company accounts and advising clients on a range of actuarial issues. Alan is a member of the Institute and Faculty of Actuaries consultations committee and Honorary Secretary of the Association of Member-directed Pension Schemes (AMPS).