Actuaries Specializing in Public Sector Pension Funds
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About Our Consultants
PAULA C. FREIMAN, ASA, EA
Partner, Consulting Actuary
Paula spent the first fifteen years of her career as a consulting actuary in Atlanta working for well known top global companies such as Hazlehurst & Associates, Inc., Northern Trust Retirement Consulting, LLP, and Hewitt Associates, Inc.  Her responsibilities included managing a book of business for clients who were located all over the country, as well as Canada and the U.K., including both the largest and the smallest private sector clients for whom services were provided.  Beginning July 1, 2003 Paula has worked solely in the public sector. Paula has a Bachelor of Science  in Mathematics from the University of Georgia and is an Enrolled Actuary under ERISA and an  Associate of the Society of Actuaries.
  • Dade County Firefighters' Insurance Trust Fund
  • Deerfield Beach Municipal Firefighters’ Pension
            Trust Fund
  • City of Hallandale Beach Police Officers’ and Firefighters’ Personnel Retirement Trust
  • Town of Jupiter Police Officers’ Retirement Fund
  • City of Lauderhill Firefighters’ Retirement System
  • City of Margate Employees Benefit Trust Fund
  • City of Melbourne Firefighters’ Pension Plan
  • City of North Miami Beach Retirement Plan for
            Police Officers & Firefighters
  • Village of Palm Springs General Employees’
            Pension Fund
  • Palm Tran, Inc. Amalgamated Transit Union
            Local 1577 Pension Plan
  • Amalgamated Transit Union Local 1577 Supplemental Health Insurance Trust Fund
  • City of Pinellas Park General Employees’
            Pension Plan
  • City of Pompano Beach General Employees’ Retirement System
  • City of Port Orange Police Pension Fund
  • City of Rockledge General, Police and Fire
            Retirement Funds
  • City of Rockledge OPEB
  • City of Sunrise Firefighters’ Pension Plan
  • City of Vero Beach Police Officers'
            Retirement Fund
  • Anniston Police and Fire
  • City of Lawrenceville, Georgia
  • City of Gainesville, Georgia Plan A
  • Missouri County Employees' Retirement Fund
Public Client Experience:
  • funding valuations for Florida public pension plans under Statutes 112, 175 and 185
  • qualified, nonqualified and postretirement benefit valuations for funding and accounting
  • early retirement window design, implementation and accounting (curtailment and settlement)
  • plan merger and spin-off calculations
  • discrimination testing for defined benefit plans
  • compliance related issues involved in administration of defined contribution plans
  • asset and liability modeling
  • pension plan design studies
  • union negotiation support
  • experience reviews to determine plan assumptions
  • determination letter filings
  • drafting legal plan documents including summary plan descriptions
  • preparation of government filings for qualified pension plans
  • preparation, fulfillment, and delivery of notices to participant groups
  • benefit statements design, creation, fulfillment and delivery
  • individual participant benefit calculations
  • design, creation and delivery of participant communication packages, including those required for plan administration
  • speaking to participant groups to explain plan provision changes
  • taking phone calls from participants
Paula's  Experience Includes:
CHAD LITTLE, ASA, MAAA, EA
Partner, Consulting Actuary
Chad Little has specialized in public pension systems since 1994.  He has worked on pension plans of all sizes ranging from small local firefighter plans to the Texas Municipal Retirement System.  He is known for his creativity (with words, not numbers!) and ability to effectively communicate pension concepts to both trustees and participants.  Chad has a Bachelors of Science in Actuarial Science from Georgia State University and is an Associate of the Society of Actuaries, Member of the American Academy of Actuaries, and an  Enrolled Actuary under ERISA. 

Chad has also been called upon by his industry peers and clients to write and deliver speeches on a variety of topics relating to the field.  A list of past speaking engagements is noted below. 


Chad's Niche Areas of expertise are:






Other Notable Background:
Client Experience:
  • Member, Advisory Board for the Florida Public Pension Trustees’ Association
  • Member, Advisory Board for Stars and Stripes:  The 2008 National Public Employees’ Retirement Funds Summit
  • Adjunct Professor, University of Central Florida Actuarial Program 2005
  • Defined Benefit Plans (including DROP)
  • Contract Negotiation
  • Florida Statutes 175/185/112 Compliance
  • Pre-funded Retiree Medical Programs
  • Boca Raton Police and Fire
  • Dade County Firefighters' Insurance Trust Fund
  • Deerfield Beach Municipal Firefighters’ Pension Trust Fund
  • Deland Firefighters Retirement System
  • City of Hallandale Beach Police Officers’ and Firefighters’ Personnel Retirement Trust
  • Town of Jupiter Police Officers’ Retirement Fund
  • City of Lauderhill Firefighters’ Retirement System
  • City of Margate Employees Benefits Trust Fund
  • City of Melbourne Firefighters’ Pension Plan
  • Oakland Park General Employees
  • Orlando Police Retirement Plan
  • City of North Miami Beach Retirement Plan for Police Officers & Firefighters
  • Palm Bay Police & Fire
  • Village of Palm Springs General Employees' Pension Fund
  • Palm Tran, Inc. Amalgamated Transit Union Local 1577 Pension Plan
  • Amalgamated Transit Union Local 1577 Supplemental Health Insurance Trust Fund
  • City of Pinellas Park General Employees’ Pension Plan
  • City of Pompano Beach General Employees’ Retirement System
  • City of Port Orange Police Pension Fund
  • Rockledge General, Police and Fire Pension Funds
  • City of Rockledge OPEB
  • City of Sunrise Firefighters’ Pension Plan
  • City of Vero Beach Police Officers’ Retirement Fund
  • Macon-Bibb County Transit Authority
  • City of Marietta
  • Anniston Police and Fire
  • Big Spring Firefighters
  • City of Birmingham
  • Midland Firefighters
  • Odessa Firefighters
  • Texas Municipal Retirement System
  • Missouri County Employees' Retirement Fund
Speaking Engagements:
Florida Public Pension Trustees’ Association
  • Costing of Benefit Enhancements
  • Disability Panel
  • Actuarial Realities
  • Actuarial Mechanics of Pension Obligation Bonds
  • Actuary 101
  • Current Actuarial Environment
  • Off The Cuff Actuarial Panel

Florida Division of Retirement Trustee School
  • Actuary 101

Coalition of Louisiana Trustees
  • Hybrid Pension Designs

Government Finance Officers’ Association of Alabama
  • Future of Healthcare: The Aging of the Baby Boom Generation

Creating and Implementing DROPs
  • Tackling the Dynamics of Plan Design

Florida Government Finance Officers’ Association
  • Pension Deficits – Who Pays?

International Foundation of Employee Benefit Pans
  • Mature Pension Plans
  • Survival Tactics for Underfunded Pension Plans

Participant Presentations for:
  • Sunrise Firefighters
  • Anniston Police and Fire
  • Odessa Firefighters
  • Village of Palm Springs General
  • Midland Firefighters
  • Oakland Park General Employees

With 40 plus years of combined experience, the consulting team at Freiman Little Actuaries, LLC has an extensive combination of skills and knowledge gained from working with Public Sector Pension Funds and Other Post Employment Benefit Funds (OPEB).  Click on the name below for individual staff bios or scroll down the page.