Brad Ramirez

Brad Edward Ramirez

Vice President at The Segal Group Inc

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Location:
333 W. 34th Street, New York City, New York, United States
HQ Phone:
(212) 251-5000

General Information

Experience

Actuarial Associate  - Sibson Consulting

Actuary  - Buck Consultants Inc

Actuary  - Xerox Corporation

Education

BS  - Mathematics , University of Nevada

MS  - University of Nevada

Affiliations

Teacher  - University of Oregon

Fellow of the Conference of Consulting Actuaries, A Member  - American Academy of Actuaries

Member  - CCA

Recent News  

Brad Ramirez, FSA, MAAA, FCA, EA
Brad Ramirez Vice President Brad Ramirez joined The Segal Group in 2005 as a Consulting Actuary in the Denver office. He has extensive experience in consulting. He works with multi-billion dollar state retirement systems, funds established by regional transportation authorities and local government plans. Mr. Ramirez is a Vice President in the Denver office of The Segal Group. His expertise is in the funding, design and administration of defined benefit pension plans. He often works with public and private institutions to help manage the financial risks of providing stable retirement income to their former employees. Mr. Ramirez received a BS in Mathematics and an MS with an emphasis in Abstract Algebra from the University of Nevada. He also studied under a Graduate Teaching Fellowship at the University of Oregon, where he taught Advanced Algebra and Statistics. He is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries, a Fellow of the Conference of Consulting Actuaries and an Enrolled Actuary. He also serves as a Vice-Chairman of the Society of Actuaries' Education and Examinations Committee.

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Although PERS has been earning upward of 8 percent even through most of the recession, board members agreed with Brad Ramirez, an actuary with the Segal company, that 7.5 percent is a more realistic rate of return given the slow economic recovery.
But at the same time, the board voted to lower its assumption for inflation over the coming year from 3.5 percent to 2.75 percent. Ramirez said those two changes offset each other since the real rate of return on investment is investment earnings minus inflation. He said that might not force an increase in premiums but the changes in assumptions for mortality is the big driver of costs in pension plans across the nation. The simple fact is public retirees, like everyone else, are living longer. And every month longer they live means another retirement paycheck. So while longer lifespans are good for the retirees, they hit PERS with added expenses the system can't control. Ramirez will return to the board next month with calculations and estimates of what will happen as a result of those changes in assumptions. Ramirez will return to the board next month with calculations and estimates of what will happen as a result of those changes in assumptions.

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Brad Ramirez, FSA, MAAA, FCA, EA
Vice President bramirez@segalco.com Brad Ramirez Brad Ramirez joined The Segal Group in 2005 as a Consulting Actuary in the Denver office. He has over 15 years of experience in consulting. He works with multi-billion dollar state retirement systems, funds established by regional transportation authorities and local government plans. Mr. Ramirez is a Vice President in the Denver office of The Segal Group. His expertise is in the funding, design and administration of defined benefit pension plans. He often works with public and private institutions to help manage the financial risks of providing stable retirement income to their former employees. Mr. Ramirez received a BS in Mathematics and an MS with an emphasis in Abstract Algebra from the University of Nevada. He also studied under a Graduate Teaching Fellowship at the University of Oregon, where he taught Advanced Algebra and Statistics. He is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries, a Fellow of the Conference of Consulting Actuaries and an Enrolled Actuary. He also serves as a Vice-Chairman of the Society of Actuaries' Education and Examinations Committee.

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