We determine your labor provisions with actuarial backing and convert them into auditable reports, ready for external review. Compliance, transparency, and expert support at every closing.
Maximize financial efficiency and regulatory compliance with clear information and technically backed decisions.
Ensure full compliance with IAS 19 and Section 28 of the IFRS for SMEs.
Identify savings opportunities in provisions and improve cash flow planning.
Auditable reports, with documented assumptions and methodology, ready for external review.
Technical support from our actuaries during audits and accounting closings.
A study that provides the valuation of Employer Retirement and Severance Indemnity provisions, in accordance with IAS 19 or Section 28 of the IFRS for SMEs. It determines labor provisions based on current regulations, ensuring control, transparency, and support for audits.
Actuarial calculation that determines the exact value of the pension and the global fund to which the retiree is entitled, in compliance with current regulations under the Labor Code and Ministerial Agreement MDT No. 099.
Project the financial impact of employer pension and severance payments and provisions. Simulate real-time scenarios to optimize cash flow, mitigate risks, and make informed decisions.
Control your provisions, identify tax differences, and manage deferred tax with greater precision. Maintain historical traceability (Kardex) for employer pension and severance, streamline your reporting, and optimize tax compliance in less time.
Accurately determine deferred tax on employer pension and severance provisions. Integrate actuarial and accounting data to facilitate tax compliance and leverage applicable tax benefits.
A clear and guided process from start to finish, from data collection to audit support.
We receive payroll information and accounting parameters through our platform. We ensure complete confidentiality and data protection from the very first contact.
We process information by applying legal regulations under the Labor Code and actuarial methodology in accordance with IAS 19 accounting standards and Section 28 of the IFRS for SMEs.
We consolidate provision values into technical formats in accordance with IFRS. We translate complex actuarial data into clear, ready-to-approve documentation.
We provide technical support for the results of the actuarial study, making our specialists' expertise available to your team to explain and defend the methodology, assumptions, and conclusions during audits.
Certified actuaries who support the methodology, assumptions, and conclusions of your study for any audit.
"Working with Actuaria gives us confidence. Their team has demonstrated a high level of professionalism and expertise. We have received customized solutions that adapt to our needs. Communication is seamless, and they are always available to address any concerns."
Technical and Risk Manager, BMI Ecuador
"The Actuaria Consultores team provides exceptional actuarial service. Their precision, professionalism, and attention to detail have exceeded our expectations, providing clear and effective solutions. Highly recommended."
Actuary I, AIG Ecuador
"I have known Actuaria for many years. Their professionalism and empathy are unparalleled. They do not just perform mathematical and actuarial calculations; they are true advisors who are invested in the growth and development of the company."
General Manager, Plan Vital
"Thanks to Actuaria, we have implemented a real-time Capital Adequacy calculation system using the most up-to-date data available. This has improved our efficiency and accuracy, reduced errors, and optimized our decision-making."
CFO, Panamerican Life Insurance Group
We answer the most frequently asked questions about the actuarial study for employer retirement.
