I have spoken with regulators in nearly every US jurisdiction on the topic of perpetual care adequacy.

• The acclaimed and widely referenced three part perpetual care series in International Cemetery and Funeral Management (February to April, 2001):
  “How to Put Aside Enough Now to Cover Cemetery Costs Later” (Part 1)
  “The Expenses Will Never End, but Some Revenue Sources Will” (Part 2)
  “Developing a Financial Plan for a Perpetual Care Fund” (Part 3)
• Memento Mori Magazine (March/April 2024) Why Bother with a Perpetual Care Fund Study?
• American Cemetery Magazine (January, 2021) What’s Ahead in 2021
• American Cemetery Magazine (September, 2019) 10 Tips for a Perpetual Care Adequacy Study
• Catholic Cemetery Magazine (December, 2012) “The Importance of a Perpetual Care Adequacy Study”
• ICCFA Magazine (January, 2011) “Endowment Care Long-Term Adequacy Analysis: A Case Study”
• ICCFA Magazine (Summer, 2010) (Speakers: Managing for Success) “Make sure ‘perpetual care’ funds meet long-term needs”
• Consumers Digest (March, 2010) (extensively quoted) “Grave Concerns – Digging up the Dirt on Cemetery Scams” (broken into 5 parts if the full download freezes)
  Page 1 Page 2 Page 3 Page 4 Page 5
• Village Voice (April, 2009) (extensively quoted) “How Century-Old Burial Societies Were Taken Over by Black-Market Speculators”

• Catholic Cemetery Conference — “How to Know if Your Perpetual Care Fund Will Stand the Test of Time” (2023)
• 52nd Annual New England Cemetery Association Frederick R. Laffond Cemetery Management Seminar — “How to Know if Your Perpetual Care Fund Will Stand the Test of Time” (2022)
• American Cemetery Magazine (2024 Webinar)
  “How to Know if Your Perpetual Care Fund Will Last”
• American Cemetery Magazine (2022 Webinar)
  “How to Know if Your Perpetual Care Fund Will Stand the Test of Time”

American Cemetery Magazine (2019 Webinar)
“How to Know if Your Perpetual Care Fund Will Stand the Test of Time”

• Catholic Cemetery Conference (2016) an update to the 2012 presentation
• Minnesota Cemetery Conference (2016)
• Wisconsin Funeral Association (2014)
• South Carolina Cemetery Association (2013)
• Catholic Cemetery Conference (2012) — Interactive session with real world examples
• Michigan Cemetery Conference (2012) – “Perpetual Care Adequacy”
• Death Care Management Council Spring Meeting (2011) – “The Importance of Perpetual Care Adequacy Studies”
• ICCFA Annual Convention and Exposition (2010) – “Your Perpetual Care Fund: How Much is Enough?”
• North American Chevra Kadisha Conference (2009) – “Perpetual Care Funds – Parallels to Insurance Loss Reserves”
• North American Chevra Kadisha Conference (2008) – “The Future is Yours – Understanding the Cost of Perpetual Care”
• North American Cemetery Regulators Association Annual Meeting (2001) – “Ensuring the Adequacy of Cemetery Perpetual Care Funds”

President and Principal Actuary, HB Actuarial Services, Inc. and PerpetualCareAdequacy.com 2001 to Present.

• 2001 – Founder of the firm (2001); manages all client relationships (2001 to present)
• Developed a rigorous actuarial and statistical methodology to the study of the long term adequacy of perpetual care funds; accepted first perpetual care fund analysis engagement (2001).
• Prepared expert deposition in litigation concerning the valuation of a perpetual care obligation (2008).
• Significant growth in perpetual care related speaking engagements and assignments (2008 to present).

Chief Actuary, AmCOMP Insurance Group, 2002 to 2007.

• Managed entire actuarial department (2002 to 2007).
• Created a computer based insurance pricing tool to assist field underwriters in accepting / pricing risks (2002 to 2004).
• Led preparation of insurance rate filings in all states (2002 to 2007).

Associate Actuary, Insurance Data Resources, 1997 to 2001.

• Led team to create computer based insurance rate making system for statewide workers’ compensation rates (1999).
• Led consulting team to provide a computer analysis of workers’ compensation retrospective rating calculations for hundreds of policies under multiple rating scenarios (1998).

Actuarial Associate, National Council on Compensation Insurance, 1993 to 1997.

• Actuarial team leader to create computer based insurance rate making system for statewide workers’ compensation rates (1996).
• Developed numerous analytic reports for the actuarial department (1993 to 1997).

Other employers include CIGNA Property and Casualty Company, and Insurance Services Office.

• President of Casualty Actuaries of the South East (2006).
• Fellow of the Casualty Actuarial Society (2001).
• Member of the American Academy of Actuaries (1997).

Bachelor’s Degree, Applied Mathematics; Minor in Economics – University of Rochester.