Consultant and Actuary

Margaret Lacek started building her pension actuarial skills and retirement benefits expertise in 1982 when she began her career with Halliwell & Associates, Inc. There she also trained analysts both one-on-one and by preparing internal technical seminars, and acquired an interesting background in special projects: demographic projections and analyses of retirement income and subsistence expenses for religious communities. This was an enjoyable challenge as it required her to understand a specialized population and use actuarial techniques not usually applied in her routine work.

Since joining Cowden Associates, Inc. in 2008, Margaret has worked in the retirement practice where she is involved in the annual pension work cycle of funding calculations, financial accounting and government reporting, benefit calculations, and related consulting. She also manages plans through the process of plan termination. In addition to its flexible work environment, Cowden provides opportunities for her to expand her benefits knowledge into related areas.

Margaret is a Fellow in the Society of Actuaries (FSA), an Enrolled Actuary (EA) under ERISA and a Member of the American Academy of Actuaries (MAAA).

She graduated in 1982 from the University of Pittsburgh with a bachelor’s degree in mathematics, summa cum laude, and is a member of the honors society, Phi Beta Kappa.

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