M. Lina Umali

Business Affiliations 1997-present:

Principal & Consulting Actuary of RTU & Associates, Inc., a firm which specializes in benefits and actuarial consulting and provides the following services, among others:

Design, implementation and administration of all types of pension plans;
Evaluation of employee benefit programs for compliance with federal and state statutes;
Design of employee communication materials;
Providing expert witness testimonies in personal injury, wrongful death, unreasonable Compensation &

Divorce Cases 1989-1997:

Bass Consultants, Inc. — a firm which specializes in benefits, compensation and actuarial consulting throughout the southwestern United States, where Ms. Umali was Vice President and

Consulting Actuary 1977-1989:

KPMG – an international accounting firm where Ms. Umali was Partner-in-charge of the Houston Office Human Resources Consulting Practice. She had the regional responsibility for pre-issuance reviews of employee benefit related footnote in the financial statements of all.

Audit clients in the southwest region 1976-1977:

Buck Consultants – an international actuarial firm where Ms. Umali was an actuarial assistant responsible for completing various defined benefit plan assignments.

Educational Background:

Master’s Degree in Actuarial Mathematics from the University of Michigan (Ann Arbor)
Bachelor’s Degree in Mathematics from the University of the Philippines Professional Affiliations
Fellow of the Conference of Consulting Actuaries
Associate of the Society of Actuaries
Member of College of Pension Actuaries
Enrolled Actuary licensed to practice before the IRS
Member of the American Academy of Actuaries

Benefits and Actuarial services offered through RTU & Associates, Inc. M. Lina Umali is not affiliated with Securities America.