{"id":13,"date":"2025-12-17T16:04:15","date_gmt":"2025-12-17T16:04:15","guid":{"rendered":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/?page_id=13"},"modified":"2026-08-19T00:04:20","modified_gmt":"2026-08-19T00:04:20","slug":"about-us","status":"publish","type":"page","link":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/about-us\/","title":{"rendered":"About Us"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section pa_page\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;0,9..144,600;1,9..144,400&family=IBM+Plex+Sans:wght@400;500;600&family=IBM+Plex+Mono:wght@400;500&display=swap\" rel=\"stylesheet\">\n<style>\n\/* ===================================================================\n   PRACTICAL ACTUARY \u2014 shared Divi stylesheet\n   Palette: ink #2d3d4b | paper #f5efe6 | accent #a8842e\n            ledger-red #8b3a3a | slate #5b6b78 | line rgba(45,61,75,.14)\n   =================================================================== *\/\n\n\/* ---------- 0. 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TRUST \/ CORE STRIP ---------- *\/\n.pa_white{background:#ffffff!important;}\n.pa_trust .et_pb_column{border-right:1px solid rgba(45,61,75,0.14);\n  padding:0 26px!important;margin:0!important;}\n.pa_trust .et_pb_column:last-child{border-right:none;}\n@media(max-width:980px){\n  .pa_trust .et_pb_column{border-right:none;width:100%!important;\n    border-bottom:1px solid rgba(45,61,75,0.14);padding:24px 0!important;}\n  .pa_trust .et_pb_column:last-child{border-bottom:none;}\n}\n\n\/* ---------- 6. BUTTONS ---------- *\/\n\/* solid brass pill \u2014 matches .btn in the HTML *\/\n.pa_page .pa_btn .et_pb_button,\n.pa_page .pa_btn.et_pb_button{\n  font-family:'IBM Plex Mono',monospace!important;font-size:13px!important;\n  letter-spacing:0.06em!important;text-transform:uppercase;\n  background:#a8842e!important;color:#ffffff!important;\n  border:1px solid #a8842e!important;border-radius:40px!important;\n  padding:13px 34px!important;\n  box-shadow:0 4px 16px rgba(168,132,46,0.30);\n  transition:transform .3s ease,box-shadow .3s ease,background .3s ease;}\n.pa_page .pa_btn .et_pb_button:hover,\n.pa_page .pa_btn.et_pb_button:hover{\n  transform:translateY(-2px);background:#b89234!important;\n  box-shadow:0 8px 28px rgba(168,132,46,0.40);padding:13px 34px!important;}\n\/* Divi injects an arrow pseudo-element on hover \u2014 suppress it *\/\n.pa_page .pa_btn .et_pb_button:after,\n.pa_page .pa_btn.et_pb_button:after{display:none!important;}\n\n\/* outline pill on dark \u2014 the nav \"Explore\" *\/\n.pa_page .pa_btn_outline .et_pb_button,\n.pa_page .pa_btn_outline.et_pb_button{\n  font-family:'IBM Plex Mono',monospace!important;font-size:11px!important;\n  letter-spacing:0.06em!important;text-transform:uppercase;\n  background:transparent!important;color:#f5efe6!important;\n  border:1.5px solid rgba(245,239,230,0.30)!important;border-radius:40px!important;\n  padding:9px 24px!important;box-shadow:none;\n  transition:transform .3s ease,border-color .3s ease,background .3s ease;}\n.pa_page .pa_btn_outline .et_pb_button:hover,\n.pa_page .pa_btn_outline.et_pb_button:hover{\n  background:rgba(245,239,230,0.08)!important;border-color:#a8842e!important;\n  transform:translateY(-2px);padding:9px 24px!important;}\n.pa_page .pa_btn_outline .et_pb_button:after,\n.pa_page .pa_btn_outline.et_pb_button:after{display:none!important;}\n\n\/* ---------- 7. NAV ---------- *\/\n.pa_nav{font-family:'IBM Plex Mono',monospace!important;font-size:12px!important;\n  letter-spacing:0.05em;text-transform:uppercase;margin-bottom:0!important;}\n.pa_nav a{color:rgba(245,239,230,0.65)!important;text-decoration:none;\n  margin-right:28px;display:inline-block;}\n.pa_nav a:last-child{margin-right:0;}\n.pa_nav a.cur{color:#a8842e!important;}\n@media(max-width:820px){.pa_nav{display:none;}}\n\n\/* ---------- 8. LOGO BANNER ---------- *\/\n.pa_logo_banner{position:relative;line-height:0;}\n.pa_logo_banner img{width:100%;display:block;}\n.pa_logo_banner:after{content:\"\";position:absolute;left:0;right:0;bottom:0;\n  height:38%;background:linear-gradient(to bottom,rgba(45,61,75,0),#2d3d4b 90%);\n  pointer-events:none;}\n\n\/* ---------- 9. 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SERVICES \/ CARD GRIDS ---------- *\/\n.pa_services .et_pb_column{background:#ffffff;padding:34px!important;margin:0!important;}\n\n\/* ---------- 12. FOOTER ---------- *\/\n.pa_foot h3{font-family:'Fraunces',Georgia,serif!important;color:#f5efe6!important;\n  font-size:20px!important;margin-bottom:8px;}\n.pa_foot h4{font-family:'IBM Plex Mono',monospace!important;font-size:11px!important;\n  letter-spacing:0.12em;text-transform:uppercase;color:#f5efe6!important;\n  opacity:0.5;font-weight:500;margin-bottom:12px;}\n.pa_foot p,.pa_foot a{color:rgba(245,239,230,0.65)!important;font-size:14px;}\n.pa_foot a{text-decoration:none;line-height:2;}\n.pa_foot a:hover{color:rgba(245,239,230,0.9)!important;}\n.pa_foot .dot{color:#a8842e!important;}\n.pa_copy{border-top:1px solid rgba(245,239,230,0.10);padding-top:28px;\n  text-align:center;font-family:'IBM Plex Mono',monospace!important;\n  font-size:12px!important;color:rgba(245,239,230,0.45)!important;\n  letter-spacing:0.04em;}\n<\/style><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_1 et_pb_row et_pb_gutters1 et_block_row\">\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_0 et_pb_image et_pb_module et_block_module pa_logo_banner\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/REPLACE-WITH-YOUR-SITE.com\/wp-content\/uploads\/jsaas-logo.jpg\" \/><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section\" id=\"hero\">\n<div class=\"et_pb_row_2 et_pb_row et_pb_row_3-4_1-4 et_block_row et_block_row_3-4_1-4\">\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_3_4 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_nav\"><a href=\"\/\">Home<\/a><a href=\"\/about\/\" class=\"cur\">About<\/a><a href=\"\/plan-life-cycle\/\">Plan Life Cycle<\/a><a href=\"\/our-approach\/\">Our Approach<\/a><a href=\"\/#faq\">FAQ<\/a><a href=\"\/#contact\">Contact<\/a><\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_1_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module pa_btn_outline\" href=\"#philosophy\">Explore<\/a><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_3 et_pb_row et_block_row\">\n<div class=\"et_pb_column_4 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_eyebrow\">&#9670; &nbsp;About the Firm<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module pa_headline\"><div class=\"et_pb_text_inner\"><h1>John S. Agatston Actuarial Services<\/h1>\n<\/div><\/div>\n\n<div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>Actuarial consulting, Third-Party Administration, and Cash Balance Plan design &mdash; operating today as Practical Actuary, based near Pittsburgh since 1983.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_divider_0 et_pb_divider_hidden et_pb_space et_pb_divider_position_top et_pb_module\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_1_wrapper\"><a class=\"et_pb_button_1 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module pa_btn\" href=\"#philosophy\">Our Philosophy &rarr;<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section pa_white\">\n<div class=\"et_pb_row_4 et_pb_row et_pb_row_4col et_pb_gutters1 et_block_row et_block_row_4col pa_trust\">\n<div class=\"et_pb_column_5 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_stag\">&#9670; &nbsp;Actuarial Consulting<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_6 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_stag\">&#9670; &nbsp;TPA Services<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_7 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_stag\">&#9670; &nbsp;Cash Balance Specialists<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_8 et_pb_column et_pb_column_1_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_stag\">&#9670; &nbsp;DB &amp; DC Administration<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\" id=\"philosophy\">\n<div class=\"et_pb_row_5 et_pb_row et_block_row\">\n<div class=\"et_pb_column_9 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Our Philosophy: Beyond Compliance <span class=\"pa_badge\">core<\/span><\/h2>\n<p>True professionalism is defined by more than passing exams. Three principles, discovered over decades of practice, guide how we work.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_6 et_pb_row et_block_row\">\n<div class=\"et_pb_column_10 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_divider_1 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module pa_rule\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_7 et_pb_row et_pb_equal_columns et_pb_gutters1 et_block_row pa_ledger\">\n<div class=\"et_pb_column_11 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><div class=\"pa_icon\">&#10022;<\/div>\n<p class=\"pa_keynum\"><b>01<\/b>PRINCIPLE<\/p>\n<h3>Consulting vs. Compliance<\/h3>\n<p>Compliance is necessary, but it isn't the same as consulting. &quot;Staying out of trouble&quot; is the bare minimum &mdash; our goal is to optimize plan design and funding to serve the client's best interests.<\/p>\n<div class=\"pa_footnote\">\"Consulting goes beyond checking boxes.\"<\/div>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_12 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><div class=\"pa_icon\">&#9672;<\/div>\n<p class=\"pa_keynum\"><b>02<\/b>PRINCIPLE<\/p>\n<h3>Integrity Over Conformity<\/h3>\n<p>We prioritize what's best for the client over &quot;fitting in&quot; with industry trends &mdash; offering creative solutions without pushing legal boundaries or interpreting regulations in ways Congress never intended.<\/p>\n<div class=\"pa_footnote\">\"Creative, never careless.\"<\/div>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_13 et_pb_column et_pb_column_1_3 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><div class=\"pa_icon\">&#9670;<\/div>\n<p class=\"pa_keynum\"><b>03<\/b>PRINCIPLE<\/p>\n<h3>Relationship-Driven Results<\/h3>\n<p>Success is built on knowing our clients' businesses. Understanding how a company is progressing lets us regularly adjust funding strategy so the plan delivers maximum benefit.<\/p>\n<div class=\"pa_footnote\">\"Know the business, optimize the plan.\"<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_8 et_pb_row et_block_row\">\n<div class=\"et_pb_column_14 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Our History<\/h2>\n<p>Built on a founder's refusal to accept &quot;standard&quot; thinking.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_9 et_pb_row et_block_row\">\n<div class=\"et_pb_column_15 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_divider_2 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module pa_rule\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_10 et_pb_row et_block_row\">\n<div class=\"et_pb_column_16 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough pa_dark_panel\">\n<div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">The Beginning<\/p>\n<h3>A Legacy of Precision<\/h3>\n<p>The foundation of the firm traces to the late 1970s, when founder John Agatston discovered that even the world's largest insurance companies and cities made massive mathematical errors in their pension work &mdash; from a $250 million shortfall in New York City's pension systems to assumptions that would later help reshape modern pension accounting.<\/p>\n<p>That legacy of technical rigor and intellectual honesty still drives the firm today.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_11 et_pb_row et_block_row\">\n<div class=\"et_pb_column_17 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough pa_panel\">\n<div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><div class=\"pa_years\">\n<div class=\"y\">\n<div class=\"yr\">1972<\/div>\n<div class=\"d\">John Agatston graduates from Carnegie Mellon University.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1977<\/div>\n<div class=\"d\">Completes the CPA exams while at Peat, Marwick, Mitchell &amp; Co. in New York City, and becomes an <strong>Associate of the Society of Actuaries<\/strong> &mdash; sitting the actuarial exam the day after his final CPA exam.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1978<\/div>\n<div class=\"d\">Leads the actuarial audit of New York City's five retirement systems, uncovering a <strong>$250 million error<\/strong> in the Firemen's pension fund that required $30 million in additional annual contributions.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1979<\/div>\n<div class=\"d\">Becomes a <strong>Fellow of the Society of Actuaries<\/strong>.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1980<\/div>\n<div class=\"d\">Becomes an <strong>Enrolled Actuary<\/strong> under ERISA and is appointed Chief Actuary for Johnson &amp; Higgins in Pittsburgh.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1981<\/div>\n<div class=\"d\">Testifies before the <strong>Financial Accounting Standards Board (FASB)<\/strong> on pension expense, and authors &quot;The Effect of Plan Design and Actuarial Methods and Assumptions on Pension Costs and Liabilities&quot; at the FASB Chairman's request &mdash; concepts later incorporated into SFAS 87.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1982<\/div>\n<div class=\"d\">Serves on the three-actuary committee establishing acceptable assumption ranges under Pennsylvania's Act 205 for municipal pension plans.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1983<\/div>\n<div class=\"d\">Founds <strong>John S. Agatston Actuarial Services<\/strong>.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1987<\/div>\n<div class=\"d\">Develops a two-dimensional worksheet for SFAS 87 reporting, later widely adopted across the industry, and co-authors a paper on the emerging Social Security funding crisis.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">1993<\/div>\n<div class=\"d\">Earns the <strong>Chartered Financial Analyst<\/strong> designation.<\/div>\n<\/div>\n<div class=\"y\">\n<div class=\"yr\">2006<\/div>\n<div class=\"d\">Writes &quot;The Dawn of a New Era &ndash; Opportunities and Responsibilities for Pension Professionals&quot; for the ASPPA Journal.<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_12 et_pb_row et_block_row\">\n<div class=\"et_pb_column_18 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough pa_accentbar\">\n<div class=\"et_pb_text_15 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>45+ years in, John remains a rare professional who has mastered actuarial science, accounting, and investment analysis. He continues to develop and code the firm's valuation software alongside Chief Actuary Greg Elnyczky, and leads the firm's strategic consulting and technical innovation.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_13 et_pb_row et_block_row\">\n<div class=\"et_pb_column_19 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_16 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Leadership Team<\/h2>\n<p>The people behind the firm's plan design, administration, and client relationships.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_14 et_pb_row et_block_row\">\n<div class=\"et_pb_column_20 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_divider_3 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module pa_rule\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_15 et_pb_row et_pb_gutters1 et_block_row pa_grid2\">\n<div class=\"et_pb_column_21 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_17 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">President<\/p>\n<h3>John S. Agatston<\/h3>\n<p class=\"pa_stag\">EA &middot; MSPA &middot; FSA &middot; CPA &middot; CFA<\/p>\n<p>Founder of the firm, with 45+ years mastering actuarial science, accounting, and investment analysis. Continues to develop and code the firm's valuation software and leads strategic consulting and technical innovation.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_22 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_18 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">Chief Actuary<\/p>\n<h3>Greg Elnyczky<\/h3>\n<p class=\"pa_stag\">EA &middot; MSPA &middot; COPA &middot; CPC &middot; QPA &middot; QKA<\/p>\n<ul class=\"pa_list\">\n<li>Joined the firm in 1994; Fellow of ASPPA<\/li>\n<li>Serves on the Government Affairs Document Sub-committee<\/li>\n<li>Works alongside the nation's leading pension attorneys to shape industry software and policy<\/li>\n<li>Primary architect of the firm's defined benefit valuation system since 1996<\/li>\n<\/ul>\n<p class=\"pa_stag\">grege@practicalactuary.com &middot; 412-967-6240 Ext. 4<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_divider_4 et_pb_divider_hidden et_pb_space et_pb_divider_position_top et_pb_module\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n\n<div class=\"et_pb_row_16 et_pb_row et_pb_gutters1 et_block_row pa_grid2\">\n<div class=\"et_pb_column_23 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_19 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">Operations &amp; IT Manager<\/p>\n<h3>Arik Miller<\/h3>\n<p class=\"pa_stag\">U.S. Navy Veteran<\/p>\n<ul class=\"pa_list\">\n<li>Graduate of the Navy's Leadership &amp; Management Training program<\/li>\n<li>Background in ISO 9000 auditing and systems design<\/li>\n<li>Oversees internal operations and client initiatives, Form 5500 production, and PBGC terminations<\/li>\n<li>Leads software development and quality control; Site Coordinator for Privacy\/Security inquiries<\/li>\n<\/ul>\n<p class=\"pa_stag\">arikm@practicalactuary.com &middot; 412-967-6240 Ext. 1<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_24 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_20 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">Office Manager<\/p>\n<h3>Avivah Miller<\/h3>\n<ul class=\"pa_list\">\n<li>Manages data and document production<\/li>\n<li>Prepares plan documents and heads annual data collection<\/li>\n<li>Produces actuarial valuations and PBGC filings<\/li>\n<li>Manages accounts receivable and client relationship initiatives<\/li>\n<\/ul>\n<p class=\"pa_stag\">avivahm@practicalactuary.com &middot; 412-967-6240 Ext. 2<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_17 et_pb_row et_block_row\">\n<div class=\"et_pb_column_25 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_21 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Our Offices<\/h2>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_18 et_pb_row et_block_row\">\n<div class=\"et_pb_column_26 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_divider_5 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module pa_rule\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_19 et_pb_row et_pb_gutters1 et_block_row pa_grid2\">\n<div class=\"et_pb_column_27 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_22 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">Primary Mailing<\/p>\n<h3>East Coast Office<\/h3>\n<p><strong>John S. Agatston Actuarial Services<\/strong><br \/>PO Box 38765<br \/>Pittsburgh, PA 15238<\/p>\n<p>Phone: 412-967-6240<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_28 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_23 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_tag\">West Coast<\/p>\n<h3>JSAAS West Coast<\/h3>\n<p>1463 E. 10th St<br \/>Yuma, AZ 85365<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_8 et_pb_section et_section_regular et_block_section pa_foot\">\n<div class=\"et_pb_row_20 et_pb_row et_block_row\">\n<div class=\"et_pb_column_29 et_pb_column et_pb_column_2_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_24 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3>Practical<span class=\"dot\">.<\/span>Actuary<\/h3>\n<p>Actuarial and pension consulting for business owners and their trusted advisors. Clear, practical, and built around real-world needs.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_30 et_pb_column et_pb_column_1_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_25 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h4>Navigate<\/h4>\n<p><a href=\"\/\">Home<\/a><br \/><a href=\"\/about\/\">About<\/a><br \/><a href=\"\/plan-life-cycle\/\">Plan Life Cycle<\/a><br \/><a href=\"\/our-approach\/\">Our Approach<\/a><\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_31 et_pb_column et_pb_column_1_5 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_26 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h4>Connect<\/h4>\n<p><a href=\"mailto:hello@practicalactuary.com\">hello@practicalactuary.com<\/a><br \/><a href=\"tel:4129676240\">412-967-6240<\/a><br \/><a href=\"#\">LinkedIn<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_21 et_pb_row et_block_row\">\n<div class=\"et_pb_column_32 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_27 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p class=\"pa_copy\">&copy; 2026 Practical Actuary &mdash; built for clarity, precision, and the people behind the plans.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"class_list":["post-13","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/pages\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":7,"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/pages\/13\/revisions"}],"predecessor-version":[{"id":131,"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/pages\/13\/revisions\/131"}],"wp:attachment":[{"href":"https:\/\/jsaas-online.practicalactuary.com\/newpress\/wp-json\/wp\/v2\/media?parent=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}