{"id":55124,"date":"2026-08-20T06:33:27","date_gmt":"2026-08-20T06:33:27","guid":{"rendered":"https:\/\/finsoulnetwork.com\/uk\/?page_id=55124"},"modified":"2026-08-20T06:33:27","modified_gmt":"2026-08-20T06:33:27","slug":"actuarial-valuation","status":"publish","type":"page","link":"https:\/\/finsoulnetwork.com\/uk\/services\/valuation\/actuarial-valuation\/","title":{"rendered":"Actuarial Valuation Services in the UK"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"55124\" class=\"elementor elementor-55124\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf8d513 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1cf8d513\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-74987ae0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"74987ae0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-309290c9 elementor-widget elementor-widget-heading\" data-id=\"309290c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Actuarial Valuation Services in the UK\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3990db elementor-widget elementor-widget-text-editor\" data-id=\"5d3990db\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">An actuarial valuation helps trustees, employers and pension scheme sponsors understand the financial position of a defined benefit pension scheme. Finsoul Network UK provides actuarial valuation services to help clients assess pension liabilities, funding requirements and the financial steps needed to support long-term scheme objectives.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39f56f11 elementor-widget elementor-widget-shortcode\" data-id=\"39f56f11\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"50616\" class=\"elementor elementor-50616\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99294cb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"99294cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56dea52 elementor-widget elementor-widget-button\" data-id=\"56dea52\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finsoulnetwork.com\/uk\/book-an-appointment\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule Your Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2405a8e elementor-widget elementor-widget-button\" data-id=\"2405a8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finsoulnetwork.com\/uk\/services\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> See our services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-262b512e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"262b512e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47fc058 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"47fc058\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bc7f7ef elementor-widget elementor-widget-text-editor\" data-id=\"5bc7f7ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Our approach links the valuation results to the financial and funding decisions that follow. We assess the scheme&#8217;s assets, liabilities, assumptions and funding position, then provide clear actuarial analysis that can support funding discussions, recovery planning and wider pension decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f2ec720 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2f2ec720\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-458950b1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"458950b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cde7da5 elementor-widget elementor-widget-heading\" data-id=\"3cde7da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Value of Actuarial Valuation Services for Businesses in the UK\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65e6d8b4 elementor-widget elementor-widget-text-editor\" data-id=\"65e6d8b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">A pension deficit or changing funding position can affect an employer&#8217;s cash flow, financial planning and long-term obligations. A professional actuarial valuation helps trustees and employers assess the scheme\u2019s funding position and determine the contributions needed to support its funding objectives.<\/span><\/p><p><span style=\"font-weight: 400\">The current UK DB funding regime places greater emphasis on long-term planning and the relationship between funding, investment and the employer covenant. TPR expects trustees and employers to work closely with advisers when completing valuations and developing their funding and investment strategy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f5c4d32 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3f5c4d32\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-364a946d elementor-widget elementor-widget-image\" data-id=\"364a946d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1800\" height=\"1588\" src=\"https:\/\/finsoulnetwork.com\/uk\/wp-content\/uploads\/sites\/2\/2026\/08\/Value-of-Actuarial-Valuation-Services-for-Businesses-in-the-UK-04.webp\" class=\"attachment-full size-full wp-image-56649\" alt=\"\" srcset=\"https:\/\/finsoulnetwork.com\/uk\/wp-content\/uploads\/sites\/2\/2026\/08\/Value-of-Actuarial-Valuation-Services-for-Businesses-in-the-UK-04.webp 1800w, https:\/\/finsoulnetwork.com\/uk\/wp-content\/uploads\/sites\/2\/2026\/08\/Value-of-Actuarial-Valuation-Services-for-Businesses-in-the-UK-04-300x265.webp 300w, https:\/\/finsoulnetwork.com\/uk\/wp-content\/uploads\/sites\/2\/2026\/08\/Value-of-Actuarial-Valuation-Services-for-Businesses-in-the-UK-04-1024x903.webp 1024w, https:\/\/finsoulnetwork.com\/uk\/wp-content\/uploads\/sites\/2\/2026\/08\/Value-of-Actuarial-Valuation-Services-for-Businesses-in-the-UK-04-768x678.webp 768w, https:\/\/finsoulnetwork.com\/uk\/wp-content\/uploads\/sites\/2\/2026\/08\/Value-of-Actuarial-Valuation-Services-for-Businesses-in-the-UK-04-1536x1355.webp 1536w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-255f09bf e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"255f09bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6c636c67 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6c636c67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72a2b6f2 elementor-widget elementor-widget-heading\" data-id=\"72a2b6f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TPR Funding Requirements for UK Pension Schemes\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f63855c elementor-widget elementor-widget-text-editor\" data-id=\"4f63855c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">UK defined benefit schemes must meet specific funding and governance requirements, with the current regime applying to valuations with effective dates on or after 22 September 2024.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-533797da e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"533797da\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5b793565 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5b793565\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78472713 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"78472713\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" viewBox=\"0 0 37.94 52\"><defs><mask id=\"mask\" x=\"-6.87\" y=\"-0.17\" width=\"51.56\" height=\"52.17\" maskUnits=\"userSpaceOnUse\"><g id=\"custom\"><rect id=\"bg\" x=\"-6.87\" y=\"-0.17\" width=\"51.56\" height=\"51.56\" fill=\"#fff\"><\/rect><\/g><\/mask><\/defs><g mask=\"url(#mask)\"><g id=\"g3336\"><g id=\"g3338\"><g id=\"g3340\"><g id=\"g3346\"><path id=\"path3348\" d=\"M35.33,1H2.61A1.61,1.61,0,0,0,1,2.61V5.69H36.94V2.61A1.61,1.61,0,0,0,35.33,1Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><g id=\"g3350\"><path 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stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><g id=\"g3390\"><path id=\"path3392\" d=\"M13.8,14A2.83,2.83,0,0,0,12,13.18a1.7,1.7,0,0,0-1.8,1.55c0,.78,1,1.41,2.23,1.74s1.5,1,1.5,1.65-.6,1.58-2,1.58a2.45,2.45,0,0,1-2.06-1\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><g id=\"g3394\"><path id=\"path3396\" d=\"M11.94,12.72v-.78\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><g id=\"g3398\"><path id=\"path3400\" d=\"M11.94,21.31V19.75\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><g id=\"g3402\"><path id=\"path3404\" d=\"M20.53,51h14.8a1.61,1.61,0,0,0,1.61-1.61V2.61A1.61,1.61,0,0,0,35.33,1H2.61A1.61,1.61,0,0,0,1,2.61V49.39A1.61,1.61,0,0,0,2.61,51h14.8\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><g id=\"g3406\"><path id=\"path3408\" d=\"M19.6,14.68a7.92,7.92,0,1,0,0,3.52\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e55e93f elementor-widget elementor-widget-heading\" data-id=\"6e55e93f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Actuarial Valuation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4595e07b elementor-widget elementor-widget-text-editor\" data-id=\"4595e07b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees must obtain a valuation to assess the scheme&#8217;s funding position and technical provisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6abdf026 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6abdf026\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1855004c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1855004c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 46.53 52\"><path d=\"M5.58,41.3H1.75A.76.76,0,0,1,1,40.55V6.21A4.29,4.29,0,0,1,5.3,1.92H9.24\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"36.72\" y1=\"26.64\" x2=\"36.72\" y2=\"20.23\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"29.39\" y1=\"47.71\" x2=\"14.74\" y2=\"47.71\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M12,47.71H6.41a.83.83,0,0,1-.83-.83V7.32a.83.83,0,0,1,.83-.83h6.5\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"36.72\" y1=\"16.57\" x2=\"36.72\" y2=\"9.24\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M12.91,6.49H6.28a.82.82,0,0,0-.71.42,3.88,3.88,0,0,0,4,2.69\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M37.13,1a4.13,4.13,0,0,1,.31,8.24H8.7A4.13,4.13,0,0,0,8.39,1Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M38.63,33.18c3,1.86,6.9,7.83,6.9,11.54,0,4.7-3.81,6.28-8.52,6.28s-8.51-1.58-8.51-6.28c0-3.71,3.87-9.68,6.89-11.54\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M40.83,28.21a1.5,1.5,0,0,0-2-.43l0,0a.16.16,0,0,1-.21,0l-.23-.26a1.77,1.77,0,0,0-2.68,0l-.22.26a.16.16,0,0,1-.21,0l0,0a1.5,1.5,0,0,0-2,2.14l2.19,3.13h3.24l2.19-3.13A1.49,1.49,0,0,0,40.83,28.21Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M39,39.28a3.08,3.08,0,0,0-2.64-.59,1.4,1.4,0,0,0-.54,2.52,15.08,15.08,0,0,0,2,.8c2.48.91,1.41,3.31-.59,3.31a3.17,3.17,0,0,1-2.34-1\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"36.72\" y1=\"46.79\" x2=\"36.72\" y2=\"44.96\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"36.72\" y1=\"38.55\" x2=\"36.72\" y2=\"37.63\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M22.58,42.85l1.86-1.75a.12.12,0,0,0,0-.19l-1.86-1.75\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"15.65\" y1=\"22.06\" x2=\"15.65\" y2=\"17.48\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M15.65,35.8v4.84a.67.67,0,0,0,.66.66h8.5\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"15.65\" y1=\"31.22\" x2=\"15.65\" y2=\"27.56\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"22.06\" y1=\"24.81\" x2=\"18.4\" y2=\"24.81\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><polyline points=\"24.81 25.73 24.81 33.05 18.4 33.05\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polyline><path d=\"M12,14.32V17a.49.49,0,0,0,.5.49H17.9a.49.49,0,0,0,.5-.49V14.32a.5.5,0,0,0-.5-.5H12.49A.5.5,0,0,0,12,14.32Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M12,31.72v2.67a.49.49,0,0,0,.5.49H17.9a.49.49,0,0,0,.5-.49V31.72a.5.5,0,0,0-.5-.5H12.49A.5.5,0,0,0,12,31.72Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M15.18,21.84,12.9,24.12a.5.5,0,0,0,0,.7l2.28,2.28a.5.5,0,0,0,.7,0l2.28-2.28a.5.5,0,0,0,0-.7l-2.28-2.28A.5.5,0,0,0,15.18,21.84Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M22.06,23.39v2.16c.34.27.56.5.83.18h3.75c.27.32.5.09,0-.18V23.39c.5-.27.27-.5,0-.41H22.89C22.62,22.89,22.4,23.12,22.06,23.39Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f28f03b elementor-widget elementor-widget-heading\" data-id=\"5f28f03b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding and Investment Strategy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f025fb elementor-widget elementor-widget-text-editor\" data-id=\"5f025fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees must set a long-term objective, low dependency funding target and investment approach.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45397984 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"45397984\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70995e78 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"70995e78\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 40.73 52\"><line x1=\"36.92\" y1=\"3.82\" x2=\"36.92\" y2=\"48.18\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"4.52\" y1=\"38.32\" x2=\"4.52\" y2=\"3.82\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M4.52,41.85v4.62a1,1,0,0,0,1,1H21.42\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M1.7,24.94V5.84a2,2,0,0,1,2-2h7.83\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M39.73,22.83V48.27a2,2,0,0,1-2,2H3a2,2,0,0,1-2-2V27.76\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M29.87,3.82h7.84a2,2,0,0,1,2,2V19.31\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M28.86,7.34h-17a1,1,0,0,1-1-1V2a1,1,0,0,1,1-1h17a1,1,0,0,1,1,1V6.33A1,1,0,0,1,28.86,7.34Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"24.94\" y1=\"3.82\" x2=\"16.49\" y2=\"3.82\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M36.92,51H20.72V48.49a1,1,0,0,1,1-1H35.9a1,1,0,0,1,1,1V51Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M33.39,47.48H23.54V45a1,1,0,0,1,1-1h7.83a1,1,0,0,1,1,1Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><circle cx=\"28.5\" cy=\"31.69\" r=\"2.73\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/circle><line x1=\"30.83\" y1=\"37.65\" x2=\"31.94\" y2=\"44.13\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"25.06\" y1=\"44.13\" x2=\"26.17\" y2=\"37.65\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M31.47,37.62H25.53a1.76,1.76,0,0,1-1.76-1.76h0a1.76,1.76,0,0,1,1.76-1.76h5.94a1.76,1.76,0,0,1,1.76,1.76h0A1.76,1.76,0,0,1,31.47,37.62Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"33.39\" y1=\"25.65\" x2=\"8.04\" y2=\"25.65\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M12.27,25.65H8.75V19.41a.8.8,0,0,1,.81-.8h1.9a.8.8,0,0,1,.81.8v6.24Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M19.31,25.65H15.79V11a.81.81,0,0,1,.81-.81h1.9a.81.81,0,0,1,.81.81V25.65Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M25.65,25.65H22.13V20.12a.81.81,0,0,1,.81-.81h1.9a.81.81,0,0,1,.81.81v5.53Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M32.69,25.65H29.17V17.3a.81.81,0,0,1,.81-.81h1.9a.81.81,0,0,1,.81.81v8.35Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M19.91,32H8.85A.81.81,0,0,1,8,31.18V29.27a.81.81,0,0,1,.81-.81H19.91a.81.81,0,0,1,.81.81v1.91A.81.81,0,0,1,19.91,32Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"8.04\" y1=\"35.51\" x2=\"20.72\" y2=\"35.51\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"16.49\" y1=\"38.32\" x2=\"8.04\" y2=\"38.32\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"8.04\" y1=\"41.85\" x2=\"20.72\" y2=\"41.85\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3994d3b9 elementor-widget elementor-widget-heading\" data-id=\"3994d3b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Statement of Strategy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-509a9913 elementor-widget elementor-widget-text-editor\" data-id=\"509a9913\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees must record their funding and investment strategy and relevant supplementary information.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-359437cb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"359437cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30889943 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"30889943\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 55.02 53\"><polygon points=\"6.33 2 1.73 9.97 10.94 9.97 6.33 2\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polygon><line x1=\"13.86\" y1=\"33.78\" x2=\"32.26\" y2=\"33.78\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"30.09\" y1=\"41.9\" x2=\"13.86\" y2=\"41.9\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"13.86\" y1=\"25.66\" x2=\"37.13\" y2=\"25.66\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><polyline points=\"37.13 29.45 37.13 17.55 13.86 17.55 13.86 50.01 35.5 50.01\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polyline><polygon points=\"6.33 2 1.73 9.97 10.94 9.97 6.33 2\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polygon><polyline points=\"4.12 9.97 4.12 50.01 8.99 50.01 8.99 9.97\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polyline><path d=\"M42.18,52h0A11.84,11.84,0,0,1,30.34,40.16h0A11.84,11.84,0,0,1,42.18,28.32h0A11.84,11.84,0,0,1,54,40.16h0A11.84,11.84,0,0,1,42.18,52Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M44.3,35.62a3.26,3.26,0,0,0-3.06-.55,2.27,2.27,0,0,0-1,3.75,11,11,0,0,0,3,1.43c3,1.06,1.91,5.32-1.17,5.34a4.11,4.11,0,0,1-2.81-.76\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"42\" y1=\"45.69\" x2=\"42\" y2=\"47.31\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"42\" y1=\"33.24\" x2=\"42\" y2=\"34.86\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3215bff4 elementor-widget elementor-widget-heading\" data-id=\"3215bff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fast Track or Bespoke<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58a6e412 elementor-widget elementor-widget-text-editor\" data-id=\"58a6e412\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees should consider the scheme&#8217;s long-term objective and decide on the appropriate approach when preparing a valuation under the new regime.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7a9c83 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"a7a9c83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46211b72 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"46211b72\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 48.67 52\"><line x1=\"29.33\" y1=\"30.17\" x2=\"26\" y2=\"30.17\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><polyline points=\"15.09 35.84 17.22 38.5 19.83 38.5 21.9 35.85\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polyline><path d=\"M14.53,26.51l-3.76,3.63,3.44,5.44a.52.52,0,0,0,.78.09l3.5-3.36L22,35.67a.5.5,0,0,0,.77-.09l3.45-5.44-3.76-3.63\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M14.33,26.42v2.44a1,1,0,0,0,.4.8l3.35,2.58,3.36-2.58a1,1,0,0,0,.39-.8V26.42\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M10.17,15.17H10A3.33,3.33,0,0,0,6.64,18.5h0A3.33,3.33,0,0,0,10,21.83h1\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"33.5\" y1=\"40.17\" x2=\"43.5\" y2=\"40.17\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"33.5\" y1=\"43.5\" x2=\"43.5\" y2=\"43.5\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M11,30.17H6a5,5,0,0,0-5,5v4.14\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M1,42.67V50a1,1,0,0,0,1,1H35a1,1,0,0,0,1-1V47.67\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M35.17,31.19V29.92a.27.27,0,0,1,.14-.24l3.47-2a.28.28,0,0,1,.28,0l3.47,2a.29.29,0,0,1,.14.24v1.27a5,5,0,0,1-2.52,4.35l-1.09.64a.28.28,0,0,1-.28,0l-1.1-.64A5,5,0,0,1,35.17,31.19Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"38.5\" y1=\"36.42\" x2=\"38.5\" y2=\"28.08\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M16.2,26.83H20a6,6,0,0,0,6-6V14a3,3,0,0,0-3-3h-9.8a3,3,0,0,0-3,3V20.8A6,6,0,0,0,16.2,26.83Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M26.42,21.83H27a3.34,3.34,0,0,0,3.34-3.33h0A3.34,3.34,0,0,0,27,15.17h-.58\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><polygon points=\"17.24 38.5 15.15 51 21.79 51 19.81 38.5 17.24 38.5\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/polygon><path d=\"M40.17,24.33H30.34a1,1,0,0,0-1,1V46.66a1,1,0,0,0,1,1H46.66a1,1,0,0,0,1-1V25.34a1,1,0,0,0-1-1H43.5\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M29.33,16.83V9.55A8.54,8.54,0,0,0,20.79,1H16.21A8.54,8.54,0,0,0,7.67,9.55v.62\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"7.67\" y1=\"13.5\" x2=\"7.67\" y2=\"16.83\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42dd0241 elementor-widget elementor-widget-heading\" data-id=\"42dd0241\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Employer Covenant<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8942aa2 elementor-widget elementor-widget-text-editor\" data-id=\"8942aa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees must assess the employer&#8217;s ability to support the scheme and consider the covenant when setting an appropriate level of risk. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58290e1f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"58290e1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-481db6b4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"481db6b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 49.15 51\"><circle cx=\"14.43\" cy=\"37.79\" r=\"6.49\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/circle><path d=\"M15.5,35.4a1.64,1.64,0,0,0-1.56-.28A1.16,1.16,0,0,0,13.45,37a6,6,0,0,0,1.54.73,1.41,1.41,0,0,1-.6,2.72A2.12,2.12,0,0,1,13,40.09\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"14.15\" y1=\"41.33\" x2=\"14.15\" y2=\"40.67\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" 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stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M41.15,20.94h0a1.67,1.67,0,0,1-1.67-1.67V11.61a1.67,1.67,0,0,1,1.67-1.67h0a1.66,1.66,0,0,1,1.66,1.67v7.66A1.66,1.66,0,0,1,41.15,20.94Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><line x1=\"42.81\" y1=\"23.33\" x2=\"18.81\" y2=\"23.33\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"19.48\" x2=\"19.48\" y2=\"4.67\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"22.81\" x2=\"22.81\" y2=\"4.67\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"38.81\" x2=\"38.81\" y2=\"4.67\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><line x1=\"42.81\" x2=\"42.81\" y2=\"4.67\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/line><path d=\"M27.75,43s-1.59-2.74-1.62-2.77a1.34,1.34,0,0,0-1.26-.86h-.53a.66.66,0,0,0-.63.51,9.58,9.58,0,0,1-18.57,0,.66.66,0,0,0-.63-.51H3.07a.67.67,0,0,0-.64.81A12.28,12.28,0,0,0,25,43.66l.57,1A.65.65,0,0,0,26,45,1.41,1.41,0,0,0,27.75,43Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><path d=\"M3,35.39a1.31,1.31,0,0,0,1,.48H4a1.34,1.34,0,0,0,1.29-.93,9.58,9.58,0,0,1,18.29,0,1.34,1.34,0,0,0,1.29.93h0a1.35,1.35,0,0,0,1.29-1.75A12.28,12.28,0,0,0,3.82,31.6l-.3-.52a1.35,1.35,0,0,0-2.34,1.36S2.88,35.31,3,35.39Z\" fill=\"none\" stroke=\"#f05a28\" stroke-miterlimit=\"10\" stroke-width=\"2\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6671cbd2 elementor-widget elementor-widget-heading\" data-id=\"6671cbd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Recovery Plan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-619865b3 elementor-widget elementor-widget-text-editor\" data-id=\"619865b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Where required, trustees must establish measures to address a funding shortfall and bring the scheme towards its funding objective.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6519b779 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"6519b779\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-731165a5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"731165a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63bc8c8d elementor-widget elementor-widget-heading\" data-id=\"63bc8c8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Actuarial Valuation Services in the UK\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71e43245 elementor-widget elementor-widget-text-editor\" data-id=\"71e43245\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Our services support the financial decisions that trustees and employers need to make around pension liabilities and scheme funding.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b5b3c7 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"9b5b3c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"162902983\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1629029831\" data-tab-title-id=\"e-n-tab-title-1629029831\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1629029831\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tPension Actuarial Valuation\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1629029832\" data-tab-title-id=\"e-n-tab-title-1629029832\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1629029832\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tScheme Funding Advice\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1629029833\" data-tab-title-id=\"e-n-tab-title-1629029833\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1629029833\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tPension Liability Assessment\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1629029834\" data-tab-title-id=\"e-n-tab-title-1629029834\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1629029834\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tFunding and Investment Strategy Support\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1629029835\" data-tab-title-id=\"e-n-tab-title-1629029835\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1629029835\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tRecovery Plan Support\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1629029836\" data-tab-title-id=\"e-n-tab-title-1629029836\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1629029836\" style=\"--n-tabs-title-order: 6;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tActuarial Modelling and Valuation Software\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1629029831\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1629029831\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-4ef990ce e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4ef990ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-509fc236 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"509fc236\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-63d5e41d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"63d5e41d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6b2f7d elementor-widget elementor-widget-heading\" data-id=\"2b6b2f7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pension Actuarial Valuation\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53b1d499 elementor-widget elementor-widget-text-editor\" data-id=\"53b1d499\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We assess scheme assets, technical provisions, funding levels and relevant actuarial assumptions to establish the financial position of a defined benefit pension scheme.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1629029832\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1629029832\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-4d2dfa7d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4d2dfa7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-718ccf24 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"718ccf24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-48e8d87a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"48e8d87a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7ee4a6 elementor-widget elementor-widget-heading\" data-id=\"2f7ee4a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Scheme Funding Advice\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-273d083d elementor-widget elementor-widget-text-editor\" data-id=\"273d083d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We help trustees and employers assess contribution requirements and consider the funding implications of different strategies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1629029833\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1629029833\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-436ce742 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"436ce742\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-26ea028d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"26ea028d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-24ec0223 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"24ec0223\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25bbffcd elementor-widget elementor-widget-heading\" data-id=\"25bbffcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pension Liability Assessment\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66102f1c elementor-widget elementor-widget-text-editor\" data-id=\"66102f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We analyse future benefit obligations using relevant financial and demographic assumptions to establish the value of pension liabilities.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1629029834\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1629029834\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-1c7fba98 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1c7fba98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-60a8c580 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"60a8c580\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2479bf35 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2479bf35\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83dba4a elementor-widget elementor-widget-heading\" data-id=\"83dba4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding and Investment Strategy Support\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9cde40 elementor-widget elementor-widget-text-editor\" data-id=\"1a9cde40\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We provide actuarial analysis that can support the development and review of a scheme&#8217;s long-term funding and investment strategy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1629029835\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1629029835\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-1a143635 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1a143635\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-57da0fbc e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"57da0fbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4d070091 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4d070091\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5331eb0 elementor-widget elementor-widget-heading\" data-id=\"5331eb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Recovery Plan Support\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1122be03 elementor-widget elementor-widget-text-editor\" data-id=\"1122be03\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Where a funding shortfall exists, we provide analysis to help trustees and employers assess contribution levels, affordability and the proposed route towards improved funding.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1629029836\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1629029836\" data-tab-index=\"6\" style=\"--n-tabs-title-order: 6;\" class=\" elementor-element elementor-element-32ff151f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"32ff151f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-40ce6396 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"40ce6396\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2d673d78 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2d673d78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28c5785d elementor-widget elementor-widget-heading\" data-id=\"28c5785d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Actuarial Modelling and Valuation Software\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d2f4f14 elementor-widget elementor-widget-text-editor\" data-id=\"7d2f4f14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We use appropriate actuarial modelling tools and actuarial valuation software to analyse liabilities, test assumptions and assess different funding scenarios. The tools support the actuarial work rather than replace professional judgement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4740cc39 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4740cc39\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3dca68a6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3dca68a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c650c8 elementor-widget elementor-widget-heading\" data-id=\"7c650c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Navigate Your Next Valuation with Confidence\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a160b5 elementor-widget elementor-widget-text-editor\" data-id=\"23a160b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Need support with a UK pension valuation or funding assessment? Finsoul Network UK can help you understand the scheme&#8217;s financial position and plan the next step.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30d8d3c4 elementor-widget elementor-widget-shortcode\" data-id=\"30d8d3c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"50620\" class=\"elementor elementor-50620\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-381f3f9 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"381f3f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46ba2c0 elementor-widget elementor-widget-button\" data-id=\"46ba2c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finsoulnetwork.com\/uk\/book-an-appointment\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule Your Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c1bc08b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"6c1bc08b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-74b8c0e7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"74b8c0e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3990c2fd elementor-widget elementor-widget-heading\" data-id=\"3990c2fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Challenges Businesses Face During Actuarial Valuation\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-743aa1 elementor-widget elementor-widget-text-editor\" data-id=\"743aa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Actuarial work can become complex when pension data, financial assumptions or employer circumstances change. Early review helps trustees and employers address these issues before they affect funding decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fcf7a45 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1fcf7a45\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6845aed9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6845aed9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-477189a0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"477189a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1a83f4 elementor-widget elementor-widget-heading\" data-id=\"2c1a83f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Longevity Risk\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d37137 elementor-widget elementor-widget-text-editor\" data-id=\"d37137\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Members may live longer than expected, which can increase the time the scheme needs to pay benefits. Actuarial analysis helps assess how changes in life expectancy could affect pension costs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f7704d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6f7704d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf2ca0e elementor-widget elementor-widget-heading\" data-id=\"cf2ca0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Incomplete Scheme Data\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cccf4bd elementor-widget elementor-widget-text-editor\" data-id=\"5cccf4bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Missing or inconsistent member records can affect liability calculations. We identify data issues and work with the available information to support a reliable valuation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-185b7646 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"185b7646\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd3831b elementor-widget elementor-widget-heading\" data-id=\"3bd3831b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Changing Financial Assumptions\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40c67fac elementor-widget elementor-widget-text-editor\" data-id=\"40c67fac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Changes in interest rates, inflation and investment conditions can affect the value of pension liabilities. We review relevant assumptions to understand their effect on the scheme&#8217;s funding position.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11d6283e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"11d6283e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d742dc1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5d742dc1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46cfaf36 elementor-widget elementor-widget-heading\" data-id=\"46cfaf36\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding Shortfalls\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b295ca4 elementor-widget elementor-widget-text-editor\" data-id=\"4b295ca4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">A funding deficit can create pressure on the employer and trustees. Actuarial analysis helps assess the size of the shortfall and the financial effect of possible contribution plans.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20f2a084 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"20f2a084\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6415fcdf elementor-widget elementor-widget-heading\" data-id=\"6415fcdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Investment and Funding Alignment\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5a825a elementor-widget elementor-widget-text-editor\" data-id=\"4d5a825a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The scheme&#8217;s investment strategy should support its long-term funding objective. We assess how funding and investment decisions interact within the valuation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-789b54e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"789b54e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ecd51c4 elementor-widget elementor-widget-heading\" data-id=\"5ecd51c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Employer Covenant Changes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e6135ec elementor-widget elementor-widget-text-editor\" data-id=\"3e6135ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">A change in the employer&#8217;s financial strength can affect the support available to the pension scheme. We consider relevant employer information when assessing the wider funding position.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1ae993 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f1ae993\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-40801975 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"40801975\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36b9b965 elementor-widget elementor-widget-heading\" data-id=\"36b9b965\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Actuarial Valuation for Financial Planning and Decision-Making\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ed9f61d elementor-widget elementor-widget-text-editor\" data-id=\"4ed9f61d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">An actuarial valuation can give employers and trustees useful financial information for decisions that affect the pension scheme and the wider business.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48640e44 elementor-arrows-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"48640e44\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;3b18ef3&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;c0dec1b&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;880327e&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;19df294&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;e91ed7a&quot;},{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;3c171d3&quot;}],&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0&quot;,&quot;sizes&quot;:[]},&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_scroll&quot;:&quot;3&quot;,&quot;slides_to_show_mobile_extra&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;image_spacing_custom_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 6\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4625521c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4625521c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47883b89 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"47883b89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b38d22f elementor-widget elementor-widget-heading\" data-id=\"6b38d22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Cash Flow Planning<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29d7f5ae elementor-widget elementor-widget-text-editor\" data-id=\"29d7f5ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Employers can assess expected contribution requirements and their potential effect on future cash flow.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 6\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3992b104 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3992b104\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-30de8144 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"30de8144\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63ef1a4a elementor-widget elementor-widget-heading\" data-id=\"63ef1a4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Funding Decisions<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4df10c1c elementor-widget elementor-widget-text-editor\" data-id=\"4df10c1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees can compare funding options against the scheme&#8217;s liabilities and long-term objective.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 6\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cd70c7d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4cd70c7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3cb03a29 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3cb03a29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf4f661 elementor-widget elementor-widget-heading\" data-id=\"5cf4f661\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Risk Management<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-541a6617 elementor-widget elementor-widget-text-editor\" data-id=\"541a6617\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Actuarial analysis can highlight exposure to interest rates, inflation, longevity, and investment changes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 6\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30a9a70a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"30a9a70a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3f60f8d9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3f60f8d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-144053e8 elementor-widget elementor-widget-heading\" data-id=\"144053e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Corporate Planning<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ce41cf9 elementor-widget elementor-widget-text-editor\" data-id=\"6ce41cf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Employers can consider pension liabilities when planning major financial or corporate decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"5\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 6\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2413d9cf e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2413d9cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b709177 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1b709177\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cd25333 elementor-widget elementor-widget-heading\" data-id=\"4cd25333\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Scenario Testing<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-206f8441 elementor-widget elementor-widget-text-editor\" data-id=\"206f8441\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees can assess how different assumptions or funding strategies could change the scheme&#8217;s position.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"6\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 6\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ce5d1d6 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6ce5d1d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-16940f9d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"16940f9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-337ff362 elementor-widget elementor-widget-heading\" data-id=\"337ff362\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Long-Term Planning<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-694123e9 elementor-widget elementor-widget-text-editor\" data-id=\"694123e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Actuarial analysis supports decisions around the scheme&#8217;s route towards its long-term funding objective.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-left\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.7 239l136-136c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9L127.9 256l96.4 96.4c9.4 9.4 9.4 24.6 0 33.9L201.7 409c-9.4 9.4-24.6 9.4-33.9 0l-136-136c-9.5-9.4-9.5-24.6-.1-34z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-264a3c91 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"264a3c91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ac68167 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6ac68167\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-350464f8 elementor-widget elementor-widget-heading\" data-id=\"350464f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Actuarial Valuation Process in the UK\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95a4095 elementor-widget elementor-widget-text-editor\" data-id=\"95a4095\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We follow a structured process that keeps the valuation focused on the scheme&#8217;s requirements, relevant data and agreed assumptions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44bbafcf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"44bbafcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28b6e361 elementor-widget elementor-widget-heading\" data-id=\"28b6e361\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">01<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab7612 elementor-widget elementor-widget-heading\" data-id=\"ab7612\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Review the Scheme Requirements\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c164f95 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2c164f95\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We confirm the valuation date, scheme objectives, statutory requirements and scope of the engagement.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-357bbe34 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"357bbe34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3df6ee16 elementor-widget elementor-widget-heading\" data-id=\"3df6ee16\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">02<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a42d5c6 elementor-widget elementor-widget-heading\" data-id=\"1a42d5c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Collect and Check Scheme Data\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3459044e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3459044e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We review member data, scheme assets, benefit information and other records required for the valuation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-950c264 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"950c264\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fd1c630 elementor-widget elementor-widget-heading\" data-id=\"3fd1c630\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">03<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50ec3d87 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"50ec3d87\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assess Financial and Demographic Assumptions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36843313 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"36843313\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We review assumptions covering areas such as discount rates, inflation, mortality and future salary growth where relevant.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fdf2b32 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1fdf2b32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da894bf elementor-widget elementor-widget-heading\" data-id=\"2da894bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">04<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66a1ace5 elementor-widget elementor-widget-heading\" data-id=\"66a1ace5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Calculate Scheme Liabilities\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e37cf5d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2e37cf5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We use actuarial techniques and appropriate modelling tools to calculate the present value of future pension benefits.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7393782d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7393782d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a1daa97 elementor-widget elementor-widget-heading\" data-id=\"4a1daa97\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">05<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1803e99 elementor-widget elementor-widget-heading\" data-id=\"1803e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assess Funding Position\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3272187c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3272187c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We compare the scheme&#8217;s assets with its technical provisions and identify the resulting funding position.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41a1f851 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"41a1f851\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-457becb1 elementor-widget elementor-widget-heading\" data-id=\"457becb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">06<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a63a48e elementor-widget elementor-widget-heading\" data-id=\"3a63a48e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prepare Actuarial Reporting\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7030e051 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7030e051\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We explain the valuation results, assumptions, key risks, and relevant funding implications in clear actuarial documentation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c435002 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4c435002\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4b1ec414 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4b1ec414\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2de5e1ea elementor-widget elementor-widget-heading\" data-id=\"2de5e1ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Independent Actuarial Review and Expert Assurance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-602577a0 elementor-widget elementor-widget-text-editor\" data-id=\"602577a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">An independent review can help trustees and employers gain greater confidence in the assumptions, calculations, and conclusions used in an actuarial assessment.<\/span><\/p><ul><li style=\"font-weight: 400\"><b>Independent Review:<\/b><span style=\"font-weight: 400\"> We assess the valuation work objectively against the agreed scope and relevant requirements.<\/span><\/li><li style=\"font-weight: 400\"><b>Assumption Review:<\/b><span style=\"font-weight: 400\"> We examine key financial and demographic assumptions that can materially affect liabilities.<\/span><\/li><li style=\"font-weight: 400\"><b>Data Validation:<\/b><span style=\"font-weight: 400\"> We review important scheme data and identify inconsistencies that could affect the results.<\/span><\/li><li style=\"font-weight: 400\"><b>Model Review:<\/b><span style=\"font-weight: 400\"> We assess the actuarial calculations and modelling approach used for the assignment.<\/span><\/li><li style=\"font-weight: 400\"><b>Reasonableness Checks:<\/b><span style=\"font-weight: 400\"> We compare key outputs against relevant financial and scheme information.<\/span><\/li><li style=\"font-weight: 400\"><b>Report Assurance:<\/b><span style=\"font-weight: 400\"> We review the final actuarial documentation for consistency, clarity and completeness.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-881bfd7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"881bfd7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8be946a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"8be946a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bcdefe elementor-widget elementor-widget-heading\" data-id=\"3bcdefe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">UK Actuarial Standards and Regulatory Requirements\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-489f44f elementor-widget elementor-widget-text-editor\" data-id=\"489f44f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">UK pension valuations must meet the relevant actuarial and pension requirements for the scheme and valuation date. The current DB funding regime applies to valuations with effective dates on or after 22 September 2024.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-09e1dab e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"09e1dab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-417370b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"417370b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dcdda9d elementor-widget elementor-widget-heading\" data-id=\"dcdda9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TPR DB Funding Code\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08ef3bb elementor-widget elementor-widget-text-editor\" data-id=\"08ef3bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The Pensions Regulator&#8217;s DB Funding Code sets requirements for valuations, funding and investment strategies, risk management and long-term planning.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5229843 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5229843\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-690d662 elementor-widget elementor-widget-heading\" data-id=\"690d662\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding and Investment Strategy\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3653fbe elementor-widget elementor-widget-text-editor\" data-id=\"3653fbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees must set a long-term funding and investment strategy and record it in a Statement of Strategy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbe6ab1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"dbe6ab1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae5c61f elementor-widget elementor-widget-heading\" data-id=\"ae5c61f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fast Track and Bespoke Routes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b27fac elementor-widget elementor-widget-text-editor\" data-id=\"5b27fac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees can consider the Fast Track route where the scheme meets the required parameters, or use a Bespoke approach where its circumstances require a different funding strategy. TPR states that Fast Track does not represent the minimum legal compliance position.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8c4efd e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"a8c4efd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-806dfc5 elementor-widget elementor-widget-heading\" data-id=\"806dfc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TAS 300 for Pension Work\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e29ed86 elementor-widget elementor-widget-text-editor\" data-id=\"e29ed86\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">TAS 300 sets technical requirements for actuarial work on pensions other than collective money purchase schemes. Version 2.1 has applied to relevant technical actuarial work since 1 November 2025.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bb3c47 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6bb3c47\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c8cd72 elementor-widget elementor-widget-heading\" data-id=\"4c8cd72\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TAS 310 for Collective Money Purchase Pensions\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-223f246 elementor-widget elementor-widget-text-editor\" data-id=\"223f246\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">TAS 310 covers collective money purchase pension schemes. Version 1.1 took effect on 31 July 2026 and includes updated requirements for this area of actuarial work.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fd1682 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3fd1682\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67bd093 elementor-widget elementor-widget-heading\" data-id=\"67bd093\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Valuation Reporting Requirements\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44efb74 elementor-widget elementor-widget-text-editor\" data-id=\"44efb74\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Trustees must meet relevant reporting deadlines and provide required funding and valuation documentation to TPR. The funding and investment strategy must generally be reviewed within 15 months of the effective date of each subsequent valuation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4fd51b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"e4fd51b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e2a786d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"e2a786d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-deac7bb elementor-widget elementor-widget-heading\" data-id=\"deac7bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Information and Documents Required for Actuarial Valuation\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-997a639 elementor-widget elementor-widget-text-editor\" data-id=\"997a639\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The information needed depends on the scheme and valuation scope. Accurate and complete data helps the actuary produce reliable results.<\/span><\/p><ul><li style=\"font-weight: 400\"><b>Member Data:<\/b><span style=\"font-weight: 400\"> Membership records, ages, service history and benefit information.<\/span><\/li><li style=\"font-weight: 400\"><b>Scheme Accounts:<\/b><span style=\"font-weight: 400\"> Recent accounts, asset values and investment information.<\/span><\/li><li style=\"font-weight: 400\"><b>Benefit Rules:<\/b><span style=\"font-weight: 400\"> Trust deeds, scheme rules and amendments affecting member benefits.<\/span><\/li><li style=\"font-weight: 400\"><b>Contribution Details:<\/b><span style=\"font-weight: 400\"> Current employer and member contribution arrangements.<\/span><\/li><li style=\"font-weight: 400\"><b>Investment Information:<\/b><span style=\"font-weight: 400\"> Asset allocation, investment returns and relevant investment strategy details.<\/span><\/li><li style=\"font-weight: 400\"><b>Employer Information:<\/b><span style=\"font-weight: 400\"> Financial and covenant information relevant to the scheme&#8217;s long-term support.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c60debf e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2c60debf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5b9df5d9 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5b9df5d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22bd2f28 elementor-widget elementor-widget-heading\" data-id=\"22bd2f28\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cost and Timelines for Actuarial Valuation Services in the UK\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8af5eb elementor-widget elementor-widget-text-editor\" data-id=\"b8af5eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">The cost and timescale depend on scheme size, member data, valuation complexity, reporting requirements and the level of actuarial analysis required.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b862ac4 elementor-widget elementor-widget-shortcode\" data-id=\"7b862ac4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_55323\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"55323\" data-filter-delay=\"1000\" aria-label=\"NEW Actuarial Valuation Services\"            id=\"footable_55323\"\n           data-unique_identifier=\"ninja_table_unique_id_2212972555_55323\"\n           class=\" foo-table ninja_footable foo_table_55323 ninja_table_unique_id_2212972555_55323 ui table  ninja_search_right nt_type_ajax_table selectable striped vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3495db1c elementor-widget elementor-widget-text-editor\" data-id=\"3495db1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Disclaimer:<\/b><span style=\"font-weight: 400\"> These are indicative ranges, not fixed commitments. Actual fees and timescales depend on the scheme, data quality, valuation requirements and scope of actuarial work.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52930ab e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"52930ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b642049 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1b642049\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-108e74ab elementor-widget elementor-widget-heading\" data-id=\"108e74ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Industries We Support With Actuarial Valuation Services in the UK\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-370fc9cf elementor-widget elementor-widget-text-editor\" data-id=\"370fc9cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Finsoul Network UK supports employers and pension scheme stakeholders across sectors where defined benefit liabilities can influence financial planning.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-620e1c11 e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"620e1c11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c75651b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c75651b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50eafaa1 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"50eafaa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 52 52\"><path d=\"M35.13,36.76a3.59,3.59,0,0,0-2.84-2.21h-.85\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M20.56,34.55h-.85a3.58,3.58,0,0,0-3.1,3.55v.39\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M22.39,49.17,23,50.82a25.42,25.42,0,0,0,6,0l2.21-6.19a19.54,19.54,0,0,0,4.24-1.76\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path 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stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polygon points=\"29.13 38.46 31.44 34.55 29.19 33.65 26 36.57 29.13 38.46\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polygon><polygon points=\"22.88 38.46 20.56 34.55 22.81 33.65 26 36.57 22.88 38.46\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polygon><line x1=\"26\" y1=\"36.57\" x2=\"26\" y2=\"41.62\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><path d=\"M16.06,13.94A15.64,15.64,0,0,1,40.81,31\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M34.52,39.1A15.63,15.63,0,0,1,13.77,16.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M50.84,40.73a8.12,8.12,0,1,1,0-3.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polyline points=\"44.78 46.98 44.78 44 47.28 42.13 47.28 37.54 44.46 35.59 44.46 39.65 42.9 40.69 41.33 39.65 41.33 35.59 38.51 37.54 38.51 42.13 41.01 44 41.01 46.98\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProfessional Services\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca7c864 elementor-widget elementor-widget-text-editor\" data-id=\"3ca7c864\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Scheme funding and long-term pension cost planning.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5473f8de e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5473f8de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3234fbc elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3234fbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 50.78 52\"><path d=\"M34.48,2.08A6,6,0,0,0,31,1a6.06,6.06,0,0,0-5.62,3.79,6.05,6.05,0,1,0-9.93,6.51l9.93,9.92,9.93-9.92a6,6,0,0,0,1.21-6.7\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polyline points=\"15.1 10.9 19.14 10.92 21.41 7.51 25.39 15.06 27.36 10.92 30.78 10.92\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><path d=\"M13.61,23.88,11.14,10.76a2.5,2.5,0,0,0-2.92-2h0a2.44,2.44,0,0,0-1.74,1.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M2.1,16.72,1,9.32c-.35-3.21,4.34-4.11,5.13-1L8.32,19.7l.2,1\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M8.43,46.31l.34-1.77A18.62,18.62,0,0,0,6.51,31.69h0c-3-5.09-3.42-7.45-3.72-10.27L2.59,20\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M14.44,25.33l1.83,3.09c3.26,1.93,6.76,5.68,5.15,11.91l-.66,6\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><rect x=\"6.67\" y=\"46.31\" width=\"15.93\" height=\"4.69\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/rect><path d=\"M13.87,34l-2.26-3.56a9.38,9.38,0,0,1-.7-1.35L7.78,22.35a1.22,1.22,0,0,1,.49-1.57,3.38,3.38,0,0,1,3.32.59c1.22.94,1.64,1.9,2.85,4\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M37.18,23.88l2.46-13.12a2.51,2.51,0,0,1,2.92-2h0a2.48,2.48,0,0,1,1.75,1.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M42.35,46.31,42,44.54a18.56,18.56,0,0,1,2.25-12.85h0c3-5.09,3.42-7.45,3.72-10.27l1.77-12.1c.35-3.21-4.34-4.11-5.13-1L42.46,19.7l-.2,1\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M29,37.9a12.48,12.48,0,0,0,.39,2.43l.66,6\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M36.34,25.33l-1.83,3.09a11,11,0,0,0-5.17,6.19\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><rect x=\"28.19\" y=\"46.31\" width=\"15.93\" height=\"4.69\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/rect><path d=\"M36.92,34l2.25-3.56a11,11,0,0,0,.71-1.35L43,22.35a1.21,1.21,0,0,0-.49-1.57,3.38,3.38,0,0,0-3.32.59c-1.22.94-1.64,1.9-2.85,4\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHealthcare\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bf5fabf elementor-widget elementor-widget-text-editor\" data-id=\"5bf5fabf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Pension liabilities and financial forecasting.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63ee9e7e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"63ee9e7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f0e81b1 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"7f0e81b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  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stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFinancial Services\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f6861ef elementor-widget elementor-widget-text-editor\" data-id=\"4f6861ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Long-term contribution planning and liability assessment.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ab6d522 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3ab6d522\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62c397da elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"62c397da\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 62.99 52\"><line x1=\"20.36\" y1=\"41.29\" x2=\"19.71\" y2=\"47.18\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"31.38\" y1=\"47.18\" x2=\"30.74\" y2=\"41.29\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"41.78\" y1=\"36.38\" x2=\"1\" y2=\"36.38\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"50.09\" y1=\"5.91\" x2=\"1\" y2=\"5.91\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><path d=\"M13.15,51H37.94a.34.34,0,0,0,.34-.38,3.82,3.82,0,0,0-3.8-3.44H16.61a3.82,3.82,0,0,0-3.8,3.44A.35.35,0,0,0,13.15,51Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M9.48,1H49a1.13,1.13,0,0,1,1.12,1.13v13\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M5.18,1h-3A1.14,1.14,0,0,0,1,2.13v38a1.14,1.14,0,0,0,1.13,1.13H41.78\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><line x1=\"41.78\" y1=\"46.7\" x2=\"61.99\" y2=\"46.7\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><path d=\"M62,19.42H54.61a.28.28,0,0,0-.26.15l-.63,1.09a.44.44,0,0,1-.37.21H50.43a.44.44,0,0,1-.38-.21l-.62-1.09a.31.31,0,0,0-.27-.15H41.78\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M62,39.68V17.08a2,2,0,0,0-2-2H43.74a2,2,0,0,0-2,2V49a2,2,0,0,0,2,2H60a2,2,0,0,0,2-2V44\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M17.81,27.26a2.31,2.31,0,1,0,2.31,2.31A2.31,2.31,0,0,0,17.81,27.26Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M29,27.26a2.31,2.31,0,1,0,2.32,2.31A2.31,2.31,0,0,0,29,27.26Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M17.81,27.26h14.1a.93.93,0,0,0,.92-.93V11.24a.85.85,0,0,1,.84-.84h3.07\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M32.83,23.73v-11H15a.69.69,0,0,0-.66.87l2.38,8.95a1.54,1.54,0,0,0,1.47,1.15Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><line x1=\"20.38\" y1=\"12.76\" x2=\"22.32\" y2=\"23.72\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"26.6\" y1=\"12.76\" x2=\"27.57\" y2=\"23.74\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"32.83\" y1=\"18.26\" x2=\"15.61\" y2=\"18.26\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><path d=\"M46.65,31.94v6.68a1.23,1.23,0,0,0,1.23,1.23h8a1.23,1.23,0,0,0,1.23-1.23V31.94a1.23,1.23,0,0,0-1.23-1.23h-8A1.23,1.23,0,0,0,46.65,31.94Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M49.79,32.49V28.38a2.1,2.1,0,1,1,4.2,0v4.11\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRetail\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7009cfc elementor-widget elementor-widget-text-editor\" data-id=\"7009cfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Long-term contribution planning and liability assessment.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48a2bdd8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"48a2bdd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17d71586 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"17d71586\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 52 52\"><g id=\"g262\"><g id=\"g268\"><path id=\"path270\" d=\"M26.4,49.1H48a3,3,0,0,0,3-3V43.28a3,3,0,0,0-3-3H25.54\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g272\"><path id=\"path274\" d=\"M35.41,44.82a1.65,1.65,0,1,1-1.65-1.66A1.65,1.65,0,0,1,35.41,44.82Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g276\"><path id=\"path278\" d=\"M46,44.82a1.66,1.66,0,1,1-1.65-1.66A1.65,1.65,0,0,1,46,44.82Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g280\"><path id=\"path282\" d=\"M42.92,24.26l-2.74-1.35\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g284\"><path id=\"path286\" d=\"M47,28.86A3.31,3.31,0,1,1,49,24.66\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g288\"><path id=\"path290\" d=\"M34.41,21.2s0,.08,0,.13a3.11,3.11,0,0,0,5.78,1.58,3,3,0,0,0,.44-1.58,3.1,3.1,0,0,0-2.19-3\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g292\"><path id=\"path294\" d=\"M33.38,8.45l4.92,7.8a2.21,2.21,0,0,1-.61,3l-2.3,1.59a2.21,2.21,0,0,1-3-.5L28,14.45\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g296\"><path id=\"path298\" d=\"M22.51,20.41l5.45-6,5.12-5.61a2.88,2.88,0,0,0,.3-.39A3.05,3.05,0,0,0,33,4.61L30.23,1.89A3.06,3.06,0,0,0,26,1.82L14.72,12.31\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g300\"><path id=\"path302\" d=\"M4.72,24.58,5,17.94a5.86,5.86,0,0,1,5.86-5.63h5.7a5.86,5.86,0,0,1,5.86,5.63l.27,6.64\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g304\"><path id=\"path306\" d=\"M4.33,34.19l-.19,4.56\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g308\"><path id=\"path310\" d=\"M23.26,38.75l-.19-4.55\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g312\"><path id=\"path314\" d=\"M16,18.13a2.27,2.27,0,1,1-2.27-2.27A2.27,2.27,0,0,1,16,18.13Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g316\"><path id=\"path318\" d=\"M29.26,6.28a1.54,1.54,0,1,1-2.05-.74A1.53,1.53,0,0,1,29.26,6.28Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g320\"><path id=\"path322\" d=\"M23,34.2H4.54a2,2,0,0,1-2-2V26.56a2,2,0,0,1,2-2H23a2,2,0,0,1,2,2v5.66A2,2,0,0,1,23,34.2Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><path id=\"path324\" d=\"M11.43,31.49H5.67v-4h5.76Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><g id=\"g326\"><path id=\"path328\" d=\"M15,27.93h.3\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g330\"><path id=\"path332\" d=\"M18.08,27.93h.3\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g334\"><path id=\"path336\" d=\"M21.18,27.93h.31\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g338\"><path id=\"path340\" d=\"M15,30.85h.3\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g342\"><path id=\"path344\" d=\"M18.08,30.85h.3\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g346\"><path id=\"path348\" d=\"M21.18,30.85h.31\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g350\"><path id=\"path352\" d=\"M1.5,51H25.9a.51.51,0,0,0,.5-.5V42.81a4.2,4.2,0,0,0-4.2-4.2H5.2A4.2,4.2,0,0,0,1,42.81V50.5A.51.51,0,0,0,1.5,51Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g354\"><path id=\"path356\" d=\"M20.77,42.16v5.29\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g358\"><path id=\"path360\" d=\"M16.7,42.16v5.29\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g362\"><path id=\"path364\" d=\"M12.63,42.16v5.29\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g366\"><path id=\"path368\" d=\"M8.1,45.65A1.66,1.66,0,1,1,6.45,44,1.65,1.65,0,0,1,8.1,45.65Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g370\"><path id=\"path372\" d=\"M19.83,43.17H21.7\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g374\"><path id=\"path376\" d=\"M15.76,45.9h1.87\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g378\"><path id=\"path380\" d=\"M11.69,44h1.87\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g382\"><path id=\"path384\" d=\"M34.58,40.26H29.15V34.43a.5.5,0,0,1,.5-.51h4.42a.51.51,0,0,1,.51.51Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g386\"><path id=\"path388\" d=\"M45.88,40.26H40.44V34.43a.51.51,0,0,1,.51-.51h4.42a.51.51,0,0,1,.51.51Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tManufacturing\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17f2a283 elementor-widget elementor-widget-text-editor\" data-id=\"17f2a283\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Pension liabilities, funding plans and employer obligations.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33878378 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"33878378\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3580e856 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3580e856\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 47.88 52\"><line x1=\"35.21\" y1=\"41.28\" x2=\"31.14\" y2=\"41.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"12.68\" y1=\"47.38\" x2=\"35.21\" y2=\"47.38\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"27.62\" y1=\"41.28\" x2=\"12.67\" y2=\"41.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><path d=\"M40.85,51a6.64,6.64,0,0,0,5.95-3.14.5.5,0,0,0-.42-.77H40.62a.51.51,0,0,1-.51-.51V42.08a.5.5,0,0,1,.51-.5h5.76a.5.5,0,0,0,.43-.77,6.67,6.67,0,1,0-6,10.18Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M7,37.66A6.68,6.68,0,0,0,1.08,40.8a.51.51,0,0,0,.42.78H7.27a.5.5,0,0,1,.5.5v4.49a.51.51,0,0,1-.5.51H1.5a.5.5,0,0,0-.42.77A6.67,6.67,0,1,0,7,37.66Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M13.6,28.28V23.85a.5.5,0,0,0-.51-.5H8.23a.5.5,0,0,0-.5.5v4.43Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M40.16,28.28V23.85a.5.5,0,0,0-.51-.5H34.79a.5.5,0,0,0-.5.5v4.43Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M22.33,2H20.62a1.51,1.51,0,0,0-1.51,1.51v8.45\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M28.78,21.46v-18A1.52,1.52,0,0,0,27.27,2H25.55\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><line x1=\"19.11\" y1=\"18.47\" x2=\"19.11\" y2=\"21.46\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><path d=\"M25.05,12.35H22.83a.5.5,0,0,1-.5-.5V1.5a.51.51,0,0,1,.5-.5h2.22a.5.5,0,0,1,.5.5V11.85A.5.5,0,0,1,25.05,12.35Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M34.71,6.4a20.06,20.06,0,0,0-5.93-2.49\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M44.31,28.52V23.7A20.25,20.25,0,0,0,38.57,9.53\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M9.31,9.53A20.29,20.29,0,0,0,3.57,23.7v4.82\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M19.11,15v-11A19.84,19.84,0,0,0,13.18,6.4\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M29.68,28.28V22.85a1.52,1.52,0,0,0-.75-1.31L24.7,19.1a1.51,1.51,0,0,0-1.51,0L19,21.54a1.51,1.51,0,0,0-.76,1.31v5.43Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M34.71,12.71v3a.5.5,0,0,0,.5.5h2.86a.5.5,0,0,0,.5-.5V8.47A1.51,1.51,0,0,0,38,7.26L35.51,5.42a.5.5,0,0,0-.8.4V9.19\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M12.67,16.17H9.81a.5.5,0,0,1-.5-.5V8.47a1.51,1.51,0,0,1,.6-1.21l2.46-1.84a.51.51,0,0,1,.81.4v9.85A.51.51,0,0,1,12.67,16.17Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M46.38,33.38H1.5a.51.51,0,0,1-.5-.5V32.2a3.92,3.92,0,0,1,3.92-3.92H43a3.92,3.92,0,0,1,3.91,3.92v.68A.5.5,0,0,1,46.38,33.38Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConstruction\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17f2f86c elementor-widget elementor-widget-text-editor\" data-id=\"17f2f86c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Employer covenant and pension funding considerations.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15f0941e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"15f0941e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-644b352c elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"644b352c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 53.02 52\"><g id=\"g6964\"><g id=\"g6970\"><path id=\"path6972\" d=\"M10.94,36.56a7.23,7.23,0,0,1-7.23-7.22h0a7.23,7.23,0,0,1,7.23-7.22H45.8\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6974\"><path id=\"path6976\" d=\"M20.87,33.3H45.08a1.63,1.63,0,0,1,0,3.26\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6978\"><path id=\"path6980\" d=\"M45.08,25.37H10.94a4,4,0,1,0,0,7.93h6.33\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6982\"><path id=\"path6984\" d=\"M44.43,25.64a9.66,9.66,0,0,0,0,7.39\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6986\"><path id=\"path6988\" d=\"M47.21,40.06a9.66,9.66,0,0,0,0,7.39\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6990\"><path id=\"path6992\" d=\"M14.52,25.43v5l2.36-.92,2.36.92v-5\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6994\"><path id=\"path6996\" d=\"M42.22,47.74H47.8a1.63,1.63,0,1,1,0,3.26H8.22A7.22,7.22,0,0,1,1,43.78H1a7.22,7.22,0,0,1,7.22-7.22H47.8a1.63,1.63,0,1,1,0,3.26H8.22a4,4,0,0,0,0,7.92H38.63\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g6998\"><path id=\"path7000\" d=\"M33.27,39.91v5L35.63,44,38,44.9v-5\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7002\"><path id=\"path7004\" d=\"M18.69,3.06l5.39-1.87a3.53,3.53,0,0,1,2.27,0L48,8.68a.85.85,0,0,1,0,1.61l-8.43,2.92\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7006\"><path id=\"path7008\" d=\"M10.82,13.19l-8.39-2.9a.85.85,0,0,1,0-1.61l12.8-4.43\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7010\"><path id=\"path7012\" d=\"M48.56,9.63v6\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7014\"><path id=\"path7016\" d=\"M47.11,19.85l-1.9,4.68a1.41,1.41,0,0,0,1.3,1.95h4.11a1.42,1.42,0,0,0,1.3-1.95L50,19.86\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7018\"><path id=\"path7020\" d=\"M50.89,18a2.33,2.33,0,1,0-2.33,2.35A2.34,2.34,0,0,0,50.89,18Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7022\"><path id=\"path7024\" d=\"M10.91,22V11.91a1.16,1.16,0,0,1,.95-1.14,75.85,75.85,0,0,1,26.71,0h0a1.16,1.16,0,0,1,1,1.14V22\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7026\"><path id=\"path7028\" d=\"M34,17.92h5.51\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><g id=\"g7030\"><path id=\"path7032\" d=\"M10.91,17.92h19.5\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEnergy\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33141f7a elementor-widget elementor-widget-text-editor\" data-id=\"33141f7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Funding obligations and long-term liability planning.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6248702a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6248702a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46ba3540 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"46ba3540\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 52 52\"><path d=\"M27.61,46.47a2.27,2.27,0,1,1-2.26,2.27,2.27,2.27,0,0,1,2.26-2.27Zm18.11,0a2.27,2.27,0,1,1-2.27,2.27A2.27,2.27,0,0,1,45.72,46.47Z\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path d=\"M29.87,48.74h4.8m1.51,0h7.27m4.53,0h3v-6l-2-2.24-2.54-5.31H22.33V48.74h3\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polyline points=\"42.97 35.16 42.97 40.46 49.01 40.46\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><line x1=\"39.95\" y1=\"35.15\" x2=\"39.95\" y2=\"48.74\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><rect x=\"30.9\" y=\"38.17\" width=\"6.04\" height=\"6.04\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/rect><line x1=\"33.92\" y1=\"38.17\" x2=\"33.92\" y2=\"40.44\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><line x1=\"48.74\" y1=\"44.96\" x2=\"51\" y2=\"44.96\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><rect x=\"31.38\" y=\"1\" width=\"19.62\" height=\"19.62\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/rect><path d=\"M48,4.77V3.26m0,4.53V6.28\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polyline points=\"43.45 1 43.45 7.04 38.93 7.04 38.93 1\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><path d=\"M44.21,17.6h4.53m-4.53-3h4.53\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polyline points=\"1 19.21 1 15.94 16.09 15.94 16.09 36.06 1 36.06 1 20.72\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><path d=\"M9.3,26h4.53M3.26,20H7.79M9.3,32h4.53M3.26,32H7.79M3.26,29H13.83M3.26,23H13.83M3.26,26H7.79\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><polyline points=\"43.33 29.24 41.19 31.38 39.06 29.24\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><line x1=\"41.19\" y1=\"31.37\" x2=\"41.19\" y2=\"22.88\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/line><polyline points=\"25.48 5.66 27.61 7.79 25.48 9.93\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><polyline points=\"27.61 7.79 8.54 7.79 8.54 13.67\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><polyline points=\"20.07 45.34 8.54 45.34 8.54 39.84\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><polyline points=\"10.68 41.97 8.54 39.84 6.41 41.97\" fill=\"none\" stroke=\"#f05a28\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/polyline><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTransport\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10756a57 elementor-widget elementor-widget-text-editor\" data-id=\"10756a57\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Pension liabilities and employer funding requirements.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-582a7795 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"582a7795\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-431a13e0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"431a13e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e8d22bc elementor-widget elementor-widget-heading\" data-id=\"4e8d22bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Choose Finsoul Network UK for Actuarial Valuation Services?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f247eb5 elementor-widget elementor-widget-text-editor\" data-id=\"7f247eb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We use accurate data, suitable assumptions, and clear reports to complete a reliable actuarial valuation. Finsoul Network UK helps employers and trustees understand their pension scheme and make clear funding decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-485b99de e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"485b99de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-647fb752 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"647fb752\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a0b12e3 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"7a0b12e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tUK Regulatory Knowledge\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734e3383 elementor-widget elementor-widget-text-editor\" data-id=\"734e3383\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We work with the current UK pension funding framework and relevant requirements.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-240df3aa e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"240df3aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ca0d4ed elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"7ca0d4ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClear Actuarial Analysis\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6015c7 elementor-widget elementor-widget-text-editor\" data-id=\"7a6015c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We explain key valuation results and their financial implications in straightforward language.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36d2e397 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"36d2e397\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb54f3f elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3cb54f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tData-Focused Approach\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e56d5a elementor-widget elementor-widget-text-editor\" data-id=\"60e56d5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We identify important data issues that could affect the valuation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32e679dc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"32e679dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5480fa81 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"5480fa81\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFunding Insight\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-340995fe elementor-widget elementor-widget-text-editor\" data-id=\"340995fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We connect valuation results with practical funding decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eeb82e8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5eeb82e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e39bd3b elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"1e39bd3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProfessional Standards\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e186616 elementor-widget elementor-widget-text-editor\" data-id=\"2e186616\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We consider the applicable actuarial standards and reporting requirements.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-495d0630 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"495d0630\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-321dc6d2 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"321dc6d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBusiness-Focused Advice\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4ef175 elementor-widget elementor-widget-text-editor\" data-id=\"6a4ef175\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">We help employers understand how pension liabilities can affect wider financial decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45a94476 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"45a94476\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5203396b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5203396b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-517c15e8 elementor-widget elementor-widget-heading\" data-id=\"517c15e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Request an Actuarial Valuation\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-176d010 elementor-widget elementor-widget-text-editor\" data-id=\"176d010\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Need actuarial support for a DB pension scheme, funding review or long-term strategy? Finsoul Network UK can help you assess the scheme&#8217;s position and determine the appropriate next step.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-314dc48e elementor-widget elementor-widget-shortcode\" data-id=\"314dc48e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"50627\" class=\"elementor elementor-50627\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6a44fb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c6a44fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09042c0 elementor-widget elementor-widget-button\" data-id=\"09042c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finsoulnetwork.com\/uk\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9823276 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9823276\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e701551 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5e701551\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4797fdf4 elementor-widget elementor-widget-heading\" data-id=\"4797fdf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-181c75c elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"181c75c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-181c75c\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"181c75c\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-an-actuarial-valuation-identify-future-pension-funding-pressure\" class=\"elementor-tab-title eael-accordion-header active-default\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2521\"><span class=\"eael-accordion-tab-title\">Can an actuarial valuation identify future pension funding pressure?<\/span><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span><\/div><div id=\"elementor-tab-content-2521\" class=\"eael-accordion-content clearfix active-default\" data-tab=\"1\" aria-labelledby=\"can-an-actuarial-valuation-identify-future-pension-funding-pressure\"><p><span style=\"font-weight: 400\">Yes. Actuarial analysis can model how changes in funding, investment returns, inflation, interest rates and longevity may affect future scheme finances.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-trustees-request-an-actuarial-valuation-outside-the-normal-cycle\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2522\"><span class=\"eael-accordion-tab-title\">Can trustees request an actuarial valuation outside the normal cycle?<\/span><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span><\/div><div id=\"elementor-tab-content-2522\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"can-trustees-request-an-actuarial-valuation-outside-the-normal-cycle\"><p><span style=\"font-weight: 400\">Yes. Trustees may need additional actuarial advice when material changes affect the scheme or employer, or when they need updated analysis for a funding or investment decision.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-happens-if-the-employer-disagrees-with-the-actuarial-assumptions\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2523\"><span class=\"eael-accordion-tab-title\">What happens if the employer disagrees with the actuarial assumptions?<\/span><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span><\/div><div id=\"elementor-tab-content-2523\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"what-happens-if-the-employer-disagrees-with-the-actuarial-assumptions\"><p><span style=\"font-weight: 400\">The trustees and employer should discuss the assumptions with the scheme actuary and consider the evidence supporting each position. Where agreement cannot be reached on relevant funding matters, TPR reporting requirements may apply.\u00a0<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-actuarial-software-replace-an-actuary\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-2524\"><span class=\"eael-accordion-tab-title\">Can actuarial software replace an actuary?<\/span><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span><\/div><div id=\"elementor-tab-content-2524\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"can-actuarial-software-replace-an-actuary\"><p><span style=\"font-weight: 400\">No. Actuarial valuation software can perform calculations, projections and scenario analysis, but qualified actuarial judgement remains important when selecting assumptions, interpreting results and preparing professional advice.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"can-an-actuarial-valuation-help-with-a-company-sale-or-acquisition\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-2525\"><span class=\"eael-accordion-tab-title\">Can an actuarial valuation help with a company sale or acquisition?<\/span><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span><\/div><div id=\"elementor-tab-content-2525\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"can-an-actuarial-valuation-help-with-a-company-sale-or-acquisition\"><p><span style=\"font-weight: 400\">Yes. Pension liabilities can affect the financial position of a business involved in a transaction. Actuarial analysis can help the parties understand the value and funding implications of the pension obligations.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Actuarial Valuation Services in the UK An actuarial valuation helps trustees, employers and pension scheme sponsors understand the financial position of a defined benefit pension scheme. Finsoul Network UK provides actuarial valuation services to help clients assess pension liabilities, funding requirements and the financial steps needed to support long-term scheme objectives. Our approach links the valuation results to the financial and funding decisions that follow. We assess the scheme&#8217;s assets, liabilities, assumptions and funding position, then provide clear actuarial analysis that can support funding discussions, recovery planning and wider pension decisions. Value of Actuarial Valuation Services for Businesses in the UK A pension deficit or changing funding position can affect an employer&#8217;s cash flow, financial planning and long-term obligations. A professional actuarial valuation helps trustees and employers assess the scheme\u2019s funding position and determine the contributions needed to support its funding objectives. The current UK DB funding regime places greater emphasis on long-term planning and the relationship between funding, investment and the employer covenant. TPR expects trustees and employers to work closely with advisers when completing valuations and developing their funding and investment strategy. TPR Funding Requirements for UK Pension Schemes UK defined benefit schemes must meet specific funding and governance requirements, with the current regime applying to valuations with effective dates on or after 22 September 2024. &nbsp; Actuarial Valuation Trustees must obtain a valuation to assess the scheme&#8217;s funding position and technical provisions. &nbsp; Funding and Investment Strategy Trustees must set a long-term objective, low dependency funding target and investment approach. &nbsp; Statement of Strategy Trustees must record their funding and investment strategy and relevant supplementary information. &nbsp; Fast Track or Bespoke Trustees should consider the scheme&#8217;s long-term objective and decide on the appropriate approach when preparing a valuation under the new regime. &nbsp; Employer Covenant Trustees must assess the employer&#8217;s ability to support the scheme and consider the covenant when setting an appropriate level of risk. &nbsp; Recovery Plan Where required, trustees must establish measures to address a funding shortfall and bring the scheme towards its funding objective. Our Actuarial Valuation Services in the UK Our services support the financial decisions that trustees and employers need to make around pension liabilities and scheme funding. Pension Actuarial Valuation Scheme Funding Advice Pension Liability Assessment Funding and Investment Strategy Support Recovery Plan Support Actuarial Modelling and Valuation Software Pension Actuarial Valuation We assess scheme assets, technical provisions, funding levels and relevant actuarial assumptions to establish the financial position of a defined benefit pension scheme. Scheme Funding Advice We help trustees and employers assess contribution requirements and consider the funding implications of different strategies. Pension Liability Assessment We analyse future benefit obligations using relevant financial and demographic assumptions to establish the value of pension liabilities. Funding and Investment Strategy Support We provide actuarial analysis that can support the development and review of a scheme\u2019s long-term funding and investment strategy. Recovery Plan Support Where a funding shortfall exists, we provide analysis to help trustees and employers assess contribution levels, affordability and the proposed route towards improved funding. Actuarial Modelling and Valuation Software We use appropriate actuarial modelling tools and actuarial valuation software to analyse liabilities, test assumptions and assess different funding scenarios. The tools support the actuarial work rather than replace professional judgement. Pension Actuarial Valuation We assess scheme assets, technical provisions, funding levels and relevant actuarial assumptions to establish the financial position of a defined benefit pension scheme. Scheme Funding Advice We help trustees and employers assess contribution requirements and consider the funding implications of different strategies. Pension Liability Assessment We analyse future benefit obligations using relevant financial and demographic assumptions to establish the value of pension liabilities. Funding and Investment Strategy Support We provide actuarial analysis that can support the development and review of a scheme&#8217;s long-term funding and investment strategy. Recovery Plan Support Where a funding shortfall exists, we provide analysis to help trustees and employers assess contribution levels, affordability and the proposed route towards improved funding. Actuarial Modelling and Valuation Software We use appropriate actuarial modelling tools and actuarial valuation software to analyse liabilities, test assumptions and assess different funding scenarios. The tools support the actuarial work rather than replace professional judgement. Navigate Your Next Valuation with Confidence Need support with a UK pension valuation or funding assessment? Finsoul Network UK can help you understand the scheme&#8217;s financial position and plan the next step. Challenges Businesses Face During Actuarial Valuation Actuarial work can become complex when pension data, financial assumptions or employer circumstances change. Early review helps trustees and employers address these issues before they affect funding decisions. Longevity Risk Members may live longer than expected, which can increase the time the scheme needs to pay benefits. Actuarial analysis helps assess how changes in life expectancy could affect pension costs. Incomplete Scheme Data Missing or inconsistent member records can affect liability calculations. We identify data issues and work with the available information to support a reliable valuation. Changing Financial Assumptions Changes in interest rates, inflation and investment conditions can affect the value of pension liabilities. We review relevant assumptions to understand their effect on the scheme&#8217;s funding position. Funding Shortfalls A funding deficit can create pressure on the employer and trustees. Actuarial analysis helps assess the size of the shortfall and the financial effect of possible contribution plans. Investment and Funding Alignment The scheme&#8217;s investment strategy should support its long-term funding objective. We assess how funding and investment decisions interact within the valuation. Employer Covenant Changes A change in the employer&#8217;s financial strength can affect the support available to the pension scheme. We consider relevant employer information when assessing the wider funding position. Actuarial Valuation for Financial Planning and Decision-Making An actuarial valuation can give employers and trustees useful financial information for decisions that affect the pension scheme and the wider business. Cash Flow Planning Employers can assess expected contribution requirements and their potential effect on future cash flow. Funding Decisions Trustees can compare funding options against the scheme\u2019s liabilities and long-term objective. 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