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Appointed Actuary

Embark Actuarial as the Actuary, is appointed by the Trustees as required under the Financial Services and Markets Act 2000 (Regulated Activities) Order 200.

​The actuary is required to determine and calculate the assets and liabilities of the trust at least triennially, and more often if required, to establish that the trust has sufficient assets to meet its expected obligations.

If the Actuary considers that there are insufficient assets he must satisfy himself that the trustees and the Plan Provider have put in place appropriate remedial arrangements.

​In valuing the liabilities of the Trust, the actuary will make allowance for the future expected rates of mortality, which can reflect regional differences, and allow for the expected increases in funeral costs as governed by the terms and conditions of the various plans.

London City

David Downie


David is a qualified Actuary with over 25 years of experience in pensions consultancy. He left the sunny shores of Trinidad and Tobago to seek a career in actuarial science having gained a financial scholarship to study in England. David trained with two of the largest consulting actuarial firms in the UK. He is responsible for all actuarial services provided by Embark Actuarial owned by Embark Investments Limited, including holding the appointment of Scheme Actuary to several defined benefit schemes.

Professional actuarial services

Pride Planning Trust have partnered with Embark Actuarial as an advisor. As the UK’s largest independent small self-administered scheme (SSAS) provider and a provider of bespoke self-invested personal pensions (SIPPs) and Family Pension Trusts (Family SIPPs), Embark Actuarial also offers professional actuarial services.

Analysing the potential for undesirable events to occur and helping to plan for (or avoid) those events, Embark Actuarial are a fundamental key professional partner to Pride Planning Trustees, helping them plan for the future. Consumer price index (CPI) measures price changes in consumer led goods and services market purchased by households.