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Articles by David Downie, Group Chief Actuary, Embark Group

David Downie, Group Chief Actuary, Embark Group

David has over 30 years of experience in Actuarial Consultancy mainly with James Hay and Rowanmoor where he has remained a Director. He is responsible for all actuarial services provided by Embark including holding the appointment of Scheme Actuary to several Defined Benefit Schemes. He also advises several Pre-Paid Funeral Plan Trusts and pioneered the concept of the defined benefit small self-administered scheme (DB SSAS) under the Post A-day simplification landscape.

The crucial role of advisers (and cashflow models) in ‘no fault’ divorces

By David Downie, Group Chief Actuary, Embark Group

Embark Adviser newsletter

Is this the end of the blame game? In April next year, the Divorce, Dissolution and Separation Act 2020* – designed to allow married couples in England and Wales to issue divorce proceedings without assigning blame – comes into force.

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Advisers: divorce should bring you closer

By David Downie, Group Chief Actuary, Embark Group

Embark Adviser newsletter

With c.40% of marriages ending in divorce currently, the likelihood is that this will affect some of your clients, meaning the adviser role is critical... but how?

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