Austria | Belgium | Canada | France | Germany | Greece | Ireland | Italy | Luxembourg | Netherlands | Portugal | Spain | Switzerland | United Kingdom | International Plans

GAPS also has contacts in several other countries and with networks of accounting and legal firms.

Austria / Germany / Switzerland

Dr Ettl Aktuariat logo

Dr Wolfgang EttlDr Wolfgang Ettl
+43 (0)22 43 35 88 2

Dr Ettl Aktuariat has more than 35 years of experience in the valuation and structuring of  pension schemes, the first pension funds in Austria being created with their support more than 25 years ago and the technical mortality tables and disability tables for pension schemes were developed 30 years ago.

Competences in commercial law, labour law, tax law, complex jurisdiction and clients‘ changing requirements allow Ettl to work effectively with its clients other advisors, including lawyers, CPA, accountants and tax practitioners. As trustee actuary they also audit single employer and multi-employer pension funds.

Services include actuarial reports required by tax and commercial law, the projections of future liabilities so as to ensure the long-term sustainability of benefit schemes, consulting on all aspects of employee benefit plans, acting as a court expert on actuarial, mathematical and statistical problems.

Belgium / Luxembourg

Everaert Actuaries logo

Kim Everaert
+32 52 369 530

Everaert Actuaries, formerly known as Energy CA, is a leading actuarial consulting firm and partner to a wide range of financial institutions (mainly insurers, reinsurers, pension funds and mutuals) and corporate clients in Belgium, Luxembourg and the Netherlands.

For over 30 years, our company has been owned by the founding family. We offer independent advice and long term commitment based on trust and personal responsibility. We focus on creating competitive advantages and opportunities for our clients by developing intelligent and cost effective actuarial solutions. Our team-oriented corporate culture is reflected by our 6 competence centres dedicated to innovation, excellence and dynamic interaction between experts.


Actuarial Solutions logo

Jason VaryJason Vary
+1 905 257-2038

Actuarial Solutions provides industry-leading expertise and quality in consulting, actuarial, and third-party administration services to pension plans across Canada. We are experts in pension funding and administration, as well as pension accounting under the multitude of accounting standards world-wide (IFRS, ASPE, US GAAP). Our niche is defined benefit pension and retiree health programs. Within this niche, we provide a variety of services including:

Channel Islands / International

Pensioneer Trustees logo

Tim SalisburyTim Salisbury
Chartered FCSI, TEP, Director
+44 (0)1481 743 760

The Pensioneer Trustee Company (Guernsey) Limited is located in Guernsey, Channel Islands. We offer a range of International Pension Plans for both Individuals and Corporates including IPP’s, QNUPS, s615 International Pension Plans, EFRBS, Intl EBT’s and EOSB/Gratuity Schemes. We all offer an increasing range of Employee Benefit Solutions including International Corporate Healthcare Trusts and Risk Purpose Trusts for UK domestic and international companies.


Galea logo

Norbert GautronNorbert Gautron
+33 (0)1 43 22 11 11

Maud Vannier-MoreauMaud Vannier-Moreau
+33 (0)1 43 22 11 11

Galea is a firm of independent consulting actuaries founded in 2006 and based in Paris.

Consultants assist companies and insurance organisations in their risk management and C&B applications (pension plans, health costs, pensions and employee savings).

The services respond to strategic issues (regime reforms, mergers/acquisitions, asset management, creation of new activities, financial valuations, etc.) as well as operational requirements (pricing, reserving, technical and financial regulatory requirements under Solvency 2 or IFRS standards, internal control, etc).

Galea is known for its commitment to the client, the quality of the missions carried out and the search for innovative solutions.


Prudential logo

Kostas NikolaouKostas Nikolaou
+30 6942 467 432

Prudential Actuarial Solutions is the oldest (since 1984) and biggest independent Greek company in the area of Actuarial services and Risk management, specializing in Pension Funds, Private Insurance, Social Security and employee benefits.

Our mission is to provide specialized high quality services of added value, in the Actuarial and Risk management area. Taking our clients’ maximum satisfaction in context, we directly respond to their current needs providing consulting services both during all our contractual stages and after completion.

We provide end-to-end services for Pension Funds (actuarial, risk, finance, IT)


Trident Consulting logo

John O’ConnellJohn O’Connell
+353 1 4853887

Trident Consulting is based in Dublin, Ireland, and provides pension and actuarial advice to employers and trustees of pension schemes. A related company, Trident Pension Trustees Ltd, acts as corporate trustee to Irish pension schemes. Trident Consulting was founded over 15 years ago. Its three actuaries qualified in the 1990s and all have extensive experience of advising Irish and multinational pension scheme sponsors and trustees. The company also provides actuarial and other support services to various financial service companies.


Previnet logo (EN)

Martino BraicoMartino Braico
Head of International & Pension Clients
+39 0422 1745044

Dejan MalesicDejan Malesic
Business Development Manager
+39 0422 1745162

Luca Rizzi
Head of IT
+39 0422 1745076

Previnet is an independent Third Party Administrator which delivers ad hoc business solutions in outsourcing to Pension Schemes, Life and Non-Life Insurance Companies, Multinational Companies, Investment Funds and Investment Management Organizations all over Europe. With 20+ years of experience, Previnet has developed its own proposition capable to deliver administration services and IT solutions to local and international players. Previnet supports 220 pension arrangements, 53 insurance companies and over 40 financial entities. 3+ million of individual accounts are managed taking advantage of the in-house software.

Previnet is expanding its service provision both in European pensions space and in domestic markets, offering the unique combination of flexibility and IT innovation for personalized administration solutions. Best recent example is RESAVER IORP, the pan-European pension fund for researchers. 50,000 Members and ten countries are expected in few years. Previnet offers full admin service to RESAVER: every member and every country is managed on the same technological platform. This includes multilingual portals for members and employers, management of contributions and investments in different currencies, apps and other mobile solutions, country-specific "Life-style" investment options, central reporting and other Business Intelligence tools. Previnet is also managing the NATO DC plan (which is multicurrency, multilingual, multiemployer) from 2007.

Studio Visintin logo

Stefano VisintinStefano Visintin
+39 040 361703

The actuarial firm Studio Attuariale Visintin & Associati was founded by Stefano Visintin in the year 2000. The Studio offers consulting and operational support to Insurance Industry, Pension Funds, Welfare Companies, Banks as well as firms and groups external to the insurance-pension-financial markets on specific needs of actuarial valuation. The Studio offers services, in a national and international context, in the following areas: Insurance: pricing, reserving, Solvency II, risk management, Portfolio valuations (EV, EEV, MCEV), IAS and IFRS valuation. Pension Funds: Actuarial evaluations for technical financial statements, ALM asset side only or integrated Asset & Liability, Business plans for start-ups, Selection of administrative management service providers. Other services: IAS / FAS Valuation, Internal controls, Enterprise Risk Management, Legal valuations (the so called CTU-CTP), Strategic analysis. Expertise, Credibility, Tailor made precision, Pragmatism. These are the main standards that characterize our services.


ActuComp logo

Annemiek van den EshofAnnemiek van den Eshof
+31 (0)78 648 9700

ActuComp specialises in services and products on the edge of Actuarial Science and Information and Communication Technology, such as actuarial tools and models, and related implementation and consultancy services. Our clients include insurance companies, pension funds and enterprises, and their consultants.

DÆMS logo

Sander DeelstraSander Deelstra
+31 (0)20 261 02 00

DÆMS Pension Strategy provides legal and actuarial services for more than 40 years. We advice over 900 companies, non-profits and multinationals with their pension plans and employee benefits.

The Netherlands is known for having one of the best pension systems in the world. We strengthen this position every day. Whether we set up employee benefits programs, audit pension plans, or assist with merger and acquisitions. As disruptor in the world of Industry-Wide Pension Funds, we have counselled many employers in the Netherlands with their successful entry to — or exit from — Pension Funds.

DÆMS Pension Strategy is a leading non-captive legal and actuarial firm, licensed by the Dutch Authority for the Financial Markets (AFM). Our advice is always sound and objective.

Spain & Portugal

Martinez Cue logo

Fernando Martinez-CueFernando Martinez-Cue
+34 609722583

Martínez-Cue & Asociados is an independent strategic advisoring firm in total reward. Our partners and associates are independent consultants with large seniority.

Martinez-Cue provides consultancy services on:

We work for large and mid-size companies. Also, we support some financial industry and insurance companies in their pensions business strategy and sales team training.

We deliver an end-to-end service in workplace pensions and others employee benefits schemes, from the design, implementation and communication to the follow up in the management.

Our consultancy is multidisciplinary (360ª), with a whole view including these aspects: legal, tax, labour, pension arrangement, Social Security, actuarial, calculations, investment and asset allocations consultancy.

Martinez-Cue & Asociados was founded by Fernando Martinez-Cue in 2016, who is the managing director of the firm.

Fernando is a pension, employee benefits, personal risk& insurances specialist, with more than 20 years advising Spanish companies and international foreign companies’ subsidiaries.

Formerly he worked 18 years for a global Bank and for a large international insurance company, delivering several roles, among them Head of corporate life & pension and Head of customer management & marketing of global corporates division.

Fernando is well-known in the Spanish pension and EB market as a top expert in occupational pensions and employee benefits. He is a researcher in occupational pensions across the world.

United Kingdom

Quantum Advisory logo

Andrew Reid-JonesAndrew Reid-Jones
+44 (0)2920 837 906

Quantum Advisory is an independent actuarial and employee benefits consultancy that provides straight-talking, no-nonsense advice to employers and pension scheme trustees. We design, maintain and review pension schemes and related employee benefits so that they operate effectively and work with sponsors and trustees to help deliver against their business plan.


Nonsuch Advisory logo

Brian SmithBrian Smith
+44 (0)7785 701 570

After a long career in pensions, which started in the insurance industry, Brian Smith moved into the corporate world where he spent the last fifteen years as international pensions manager of a large multinational food and drinks company. He subsequently worked as a consultant and a writer/researcher on insurance and employee benefits both private and state-provided. During that time he created the GAPS network along with the late Nico Top of Actucomp.

Brian now concentrates on his role as General Secretary of GAPS and a member of its management committee but is available for help and advice on the management of international benefit programmes.