Services
We provide a range of retirement consulting services, tailoring the mix of expertise to match your specific needs:
Service Offerings
Plan Design & Strategic Consulting
From plan redesign to hybrid structures, including defined benefit to defined contribution transitions.
Administration Support
Ongoing pension plan administration.
Compliance & Regulatory
Nondiscrimination testing for DB and DC plans.
Litigation Support
Technical and documentation support for pension litigation.
Pension Risk Management
Plan termination, lump sum windows, and annuity placement.
Valuation
Funding and accounting valuations for defined benefit plans.
Special Projects
Senior-level consulting for complex or bespoke retirement assignments.
Who We Are
Expertise Without the Overhead
Hilltop Actuarial Group is a boutique firm focused exclusively on retirement benefits. Our intentionally lean model brings in specialized resources only when needed, delivering efficient, tailored solutions backed by deep expertise. We offer a clear alternative to traditional firms, eliminating unnecessary layers so clients have direct access to senior-level expertise.
A Flexible, Scalable Model
From one-time projects to ongoing partnerships, we adapt to your needs—working independently or alongside your existing benefits advisors.
Leadership
Karen M. Mack, FSA, EA, FCA, MAAA
Founder & Principal
With more than 30+ years of experience in retirement plan consulting, Karen combines technical depth, strategic insight, and practical judgment. She has guided clients—including employers and benefits professionals—through actuarial, compliance, and strategic complexities.
Professional Credentials:
-
Fellow of the Society of Actuaries (FSA)
-
Enrolled Actuary (EA)
-
Fellow of the Conference of Consulting Actuaries (FCA)
-
Member of the American Academy of Actuaries (MAAA)
Professional Involvement:
-
Governing Board, Western Pension & Benefits Council
-
Board Member, WP&BC San Francisco Chapter
-
Finance Committee, Global Fund for Women
Karen is deeply dedicated to the actuarial profession and to delivering exceptional value to her clients. Her leadership and professional involvement reflect a steadfast commitment to supporting the industry.