Areas of Expertise

1. taming financial risks using actuarial science and crayons
2. helping entrepreneurs market better
3. freely sharing what's learned through blogs etc

Mechanisms

• Simple, practical solutions
• Effective presentations
• Overcoming inertia
• Online channel
• Leveraging technology
• Marketing, especially using social media

Credentials and Memberships

• Fellow Canadian Institute of Actuaries (FCIA) in 1993
  • website: actuaries.ca
• Fellow Society of Actuaries (FSA) in 1993
  • website: soa.org
• Associate Member of the Conference for Advanced Life Underwriting (CALU)
  • life insurance and financial services professionals who meet specific advanced standards and requirements (limited to 400 Active Members and 200 Associate Members)
  • website: calu.ca
• member of the Estate Planning Council of Mississauga (see profile)
  • website: epcmississauga.com
• member of the Association of Independent Consultants
  • website: aiconsult.ca

Work Experience

Taxevity, Toronto (Dec 2009 - now)

Marketing Actuary

Risk manager to the wealthy.

Specializing in taming the financial risks of

• living too long (longevity)
• dying too soon (mortality)
• paying too much tax (taxevity)

Often using the overlooked and widely-misunderstood tax advantages of life insurance.

Generally collaborate with

• advisors (mainly insurance advisors, investment advisors, accountants, lawyers) seeking to help their clients
• organizations seeking to help their members
• charities seeking to help their donors donate more

"free prize": helping entrepreneurs boost their revenue by marketing better (see Marketing Actuary blog, Marketing Reflections eNewsletter, [*http:twitter.com/mActuary @mActuary] on Twitter)

Industrial Alliance Insurance & Financial Services, Toronto (July 2005 - Nov 2009)

Director of Advanced Marketing

• supporting insurance specialists primarily in Ontario
  • bank-owned: BMO Nesbitt Burns, CIBC Wood Gundy, RBC DS Financial Services, TD Waterhouse
  • other: Berkshire, Dundee, Hub Financial, Raymond James

National Life, Toronto (June 1991 - June 2005; 14 years)

(National Life was "harmonized" into parent company Industrial Alliance on June 30, 2005)
Actuary, Individual Insurance (April 1997 - June 2005)

Launch life, health and annuity products in Canada and Curacao for sale through advisors, National Accounts, private label partners or the Internet.

• Report to Executive Vice President and Chief Operating Officer
• Run a department of ten with hands-on responsibilities for
  • Product design, pricing, reinsurance and implementation
  • New business illustration software for Internet and desktop
  • Marketing support, including inforce illustration software and gathering marketing intelligence
  • e-Marketing to advisors and their clients
• Assisted with manufacturing private label UL for MD Life, TD Life, BMO Life and CUMIS Life (since mid-1998)
  • Wrote replies to Request For Proposals and made presentations
  • Department’s effectiveness in market analysis, product design and illustration development contributed to winning bids
• Created unique SaveTax websites: consumer-friendly education and online projection software on over 7,000 advisor-branded websites (since Jan 2000)
  • Identical content looks different due to advisor customization
  • Developed original HTML prototype, managed implementation and marketed across Canada
  • Wrote content for Term 100, Guaranteed Universal Life and Critical Illness and thoroughly reviewed remaining sections
• Streamlined implementation process in 2003 to launch multiple products concurrently, rather than sequentially
• Send weekly emails to advisors and customized, advisor-branded messages to their clients

Associate Actuary (1996-1997; 1 year)

• managed 3 post-Associates of the Society of Actuaries (ASAs)
• oversaw illustration testing and specifications
• lead Product Design Team
• quantified and reported financial losses for successful lawsuits against PPI and Prudential Insurance

Associate Pricing Actuary (1995-1996; 2 years)

• continued pricing
• wrote product descriptions and technical specifications
• expanded planning role
• developed “green sheets” to easily communicate complex market intelligence at a glance

Actuarial Consultant (1991-1995; 4 years)

• priced National Life’s first true Universal Life plan using AXIS
• tested illustration software
• modeled UL for first-ever Dynamic Solvency Testing
• developed formulas for administration system

Actel Resources, Toronto (1989-1991; 2 years)

Manager, Client Services

• Trained and assisted clients in using the actuarial modeling system
• Performed life consulting for Tillinghast
• Tested, programmed, and developed the software
• Documented user utilities, input items and output items

Metropolitan Life, Ottawa (1984-1989; 5 years)

Senior Actuarial Assistant

• Group Actuarial — Pricing & Analysis (8 months)
• Personal Insurance Financial — R&D (2 years)
• Corporate Actuarial (2 years, as Actuarial Assistant)

Education

University Of Western Ontario (UWO), London (1980-1984; 4 years)

• Bachelor of Science (Honours) in Actuarial Science
• Scholarships
  • National Sciences and Engineering Research Council (NSERC) Summer Scholarship (3^rd year)
  • The London Life Continuing Actuarial Scholarship
  • UWO Continuing Scholarship (years 2-4)
  • UWO Entrance Scholarship (1^st year)
• Summer job: Group Actuarial at Crown Life in second year