FERM has the specialist accounting and
actuarial expertise to assist you to perform a net present value of
your business. Using actuarial probabilistic
techniques uncertain cash flows can be valued. The
probabilities can be assessed in liaison with your staff.
This work can also assist businesses with budgeting, long
term planning and cash flow management.
FERM can actuarially determine for:
· a cemetery, the assets required
to support the cemetery's perpetual care obligations and for
a nursing home, the assets required to meet the
home's 'bond' obligations in respect of its existing residents
FERM will review the generic
investment strategy required to meet the obligations.
FERM can provide the following services for a retirement
- Periodic cash
flow valuation reviews
· Actuarial calculation of an
owner's contingent interest (possibly required as part of annual
Report for villages operated through a Friendly
Society as per Life Insurance Act 1995, Prudential Standard
projections and experience investigations
Analysis and summary of the
current and historical experience of a
The cash flows can be projected
actuarially and separated into new/current occupants allowing for
growth, deferred fees and various contract classes;
· Meet the
requirements of AASB139. FERM can value the
entitlement of one or more persons to occupy or lease property.