RUDD AND WISDOM - Key Persons

Amanda L. Murphy

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Principal in the Retirement Benefits Division
  • Professional Designations
Ms. Murphy first joined Rudd and Wisdom in 1998 and became a Principal of the firm in 2004. Ms. Murphy took a temporary leave from the firm from 2007 to 2013 to care for her children. Ms. Murphy is a Principal in the Retirement Benefits Division of the firm. Professional Designations: Ms. Murphy is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. Expertise: Ms. Murphy has experience in the performance of actuarial funding valuations and postretirement medical plans valuations, the preparation of actuarial reports for both public and private sector pension plans, regulatory compliance of qualified defined benefit retirement plans and defined benefit and defined contribution plan administration. She also has experience in preparing plan documents and programming software for benefit plan administration. Education: Ms. Murphy graduated Phi Beta Kappa from the University of Texas at Austin with a Bachelor of Arts degree in Mathematics (with High Honors).

Brandon L. Fuller

Job Titles:
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Fuller has been a consulting actuary since joining Rudd and Wisdom in 2009. Professional Designations: Mr. Fuller is a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries and an Enrolled Actuary certified to perform actuarial services under the Employee Retirement Income Security Act. Expertise: Mr. Fuller's primary area of expertise is in the design, funding, administration and regulatory compliance of qualified and nonqualified defined benefit retirement plans. He also has experience with the actuarial valuation of postretirement medical benefit plans for purposes of accounting compliance under FASB ASC 715-20 and 715-60. In addition, Mr. Fuller assists clients with actuarial software conversions. This includes programming, testing and maintaining pension benefit calculation engines. His clients include large hospital organizations, insurance companies, not-for-profit and for-profit private employers and governmental entities. Education: Mr. Fuller is a graduate of Concordia University, where he earned a Bachelor of Science degree in Mathematics.

Charles V. Faerber

Job Titles:
  • Principal
  • Assistant in the Math Department at the University of Texas
  • Fellow of the Society of Actuaries
  • FSA, ACAS Principal
  • Professional Designations
Mr. Faerber has been a consulting actuary since 1978 with experience on public pension plans, self-insured entities, health and welfare coverages, property and casualty insurance and expert witness testimony. Mr. Faerber has spent his entire actuarial career at Rudd and Wisdom, Inc. and has been a principal of the firm since 1984. Prior to joining Rudd and Wisdom, Inc., he worked for a year and a half as a teaching assistant in the Math Department at the University of Texas at Austin. Professional Designations: Mr. Faerber is a Fellow of the Society of Actuaries, an Associate of the Casualty Actuarial Society, a Member of the American Academy of Actuaries, a Member of the Southwest Actuarial Forum, and a Member of the Actuaries' Club of the Southwest. Expertise: Mr. Faerber has expertise in a variety of disciplines. His experience includes: Mr. Faerber is a graduate of the University of Texas at Austin with a Bachelor of Arts degree in Mathematics and a Master of Business Administration degree with a specialty in Actuarial Science. He is also a graduate of St. Thomas High School in Houston, Texas.

Chelsea Stewart

Job Titles:
  • Fellow of the Society of Actuaries
  • Professional Designations
Ms. Stewart has been a consulting actuary since joining Rudd and Wisdom in 2012. Professional Designations: Ms. Stewart is a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries and an Enrolled Actuary certified to perform actuarial services under the Employee Retirement Income Security Act. Expertise: Ms. Stewart has experience in the performance of actuarial funding valuations and postretirement medical plans valuations and the preparation of actuarial reports for both public and private sector pension plans. She also has experience with regulatory compliance and plan administration of both qualified and non-qualified defined benefit and defined contribution retirement plans. Education: Ms. Stewart graduated cum laude from the University of Texas at San Antonio with a Bachelors of Business Administration in Actuarial Science and a Minor in Applied Statistics.

Christopher S. Johnson

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Johnson became a consulting actuary in 2001 and has been with Rudd and Wisdom since 2003. He became a Principal of the firm in 2007. Professional Designations: Mr. Johnson is a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries and an Enrolled Actuary certified to perform actuarial services under the Employee Retirement Income Security Act. Expertise: Mr. Johnson's primary area of expertise is in the design, funding, administration and regulatory compliance of qualified and nonqualified defined benefit retirement plans. He also has experience with the actuarial valuation of postretirement medical benefit plans for purposes of accounting compliance under SFAS No. 106 and GASB Nos. 74 and 75. His clients include large hospital organizations, insurance companies, not-for-profit and for-profit private employers and governmental entities. Education: Mr. Johnson is a summa cum laude graduate of Roger Williams University with a Bachelor of Science degree in Marine Biology and Chemistry.

David G. Wilkes

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Wilkes began his actuarial career in 1983 and has been with Rudd and Wisdom since 1991. He became a Principal of the firm in 1995. Professional Designations: Mr. Wilkes is a Fellow of the Society of Actuaries (1988) and a Member of the American Academy of Actuaries (1987). Expertise: Mr. Wilkes is the consulting actuary for several of the largest health care programs in Texas. His primary area of expertise is in the design and financing of health and welfare plans. He also has extensive experience in request for proposal (RFP) design and proposal evaluation, evaluation and selection of insurance, reinsurance and managed care arrangements, data management and statistical reporting, determination of self-funded plan contribution rates and liability estimates, life, disability and dental insurance pricing, actuarial cost projections/statistical modeling, carrier negotiation, evaluation of provider networks and postretirement benefit liability determinations. Education: Mr. Wilkes is a graduate of the University of Texas at Austin with a Bachelor of Science degree in Mathematics (1982).

Dustin J. Kim

Job Titles:
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Kim became a consulting actuary in 2011 and has been with Rudd and Wisdom since 2017. Professional Designations: Mr. Kim is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. Expertise: Mr. Kim has experience in rate setting, reserving, actuarial projections, plan benefit analysis, claims cost table development, and statistical modeling in a variety of market settings including commercial major medical health insurance, government programs, and supplemental health insurance. He also has extensive experience in a variety of computer languages, databases, and actuarial programming environments, including GGY AXIS. Education: Mr. Kim graduated with a Bachelor of Science degree in Operations Research and Industrial Engineering from Cornell University.

Edward A. Mire

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Mire became a consulting actuary upon joining Rudd and Wisdom in 1996. He became a Principal of the firm in 1999. Prior to joining Rudd and Wisdom, he worked for several life insurance companies throughout the Southeast and Southwest. Professional Designations: Mr. Mire has been a Fellow of the Society of Actuaries since 1988 and a Member of the American Academy of Actuaries since 1984. He is also a Member of the Actuaries Club of the Southwest. Mr. Mire is qualified as a Valuation Actuary to certify reserves for both life and health insurance companies. He is also qualified as an Illustration Actuary. Expertise: Mr. Mire's areas of expertise include: (1) product development of individual life insurance, health insurance and annuity products, including pricing, agency compensation, benefit structure design, policy form design and product filings with state insurance departments; (2) determination of actuarial liabilities and actuarial assets for the financial statements of life and health insurance companies, including cash flow projections for life insurance companies used in the determination of asset adequacy testing and reserve adequacy analysis; (3) life insurance sales illustration regulatory compliance; (4) regulatory compliance for life and health insurance companies, including requirements for policy form design, valuation, nonforfeiture, market conduct and merger/acquisition activities; and (5) assessment of value of life and health insurance companies and assistance in merger and acquisition activities. Mr. Mire also has extensive experience in Pre-need Insurance, Credit Insurance and Fraternal Benefit Societies, including product design, pricing, compensation, valuation and regulatory compliance. Education: Mr. Mire is a graduate from the University of Texas at Austin with a Bachelor of Business Administration Degree in Actuarial Science (with honors). He also attended Tulane University in New Orleans, Louisiana prior to the University of Texas.

Evan L. Dial

Job Titles:
  • Principal
  • FSA Principal
  • Professional Designations
Mr. Dial became a consulting actuary in 2003 and has been with Rudd and Wisdom since 2005. He became a Principal of the firm in 2009. Professional Designations: Mr. Dial is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. Expertise: Mr. Dial provides actuarial consulting for employee insurance programs in connection with rate setting, reserving, evaluation of the cost impact of benefit changes, development and evaluation of RFPs, evaluation of vendor proposals and negotiation of vendor contracts. His clients include governmental entities, state agencies and professional and trade organizations. Education: Mr. Dial graduated Phi Beta Kappa with a Bachelor of Science degree with a major in Mathematics-Economics from the University of California Los Angeles.

Khiem Ngo

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
  • FSA, ACAS Principal
  • Professional Designations
Mr. Ngo began his actuarial career with Rudd and Wisdom in 2007. He became a Principal of the firm in 2012. Professional Designations: Mr. Ngo is a Fellow of the Society of Actuaries (FSA), an Associate of the Casualty Actuarial Society (ACAS) and a Member of the American Academy of Actuaries (MAAA). Expertise: Mr. Ngo's primary areas of expertise are in health plan data management, statistical reporting, managed care rate development, reserving, benefit change cost impact analysis and actuarial cost projections/statistical modeling. In addition, Mr. Ngo consults with self-insured groups that provide property and casualty coverages. His experience includes determination of actuarial liabilities, rate studies and cash flow modeling. Education: Mr. Ngo is a graduate of the University of Texas at Austin with a Bachelor of Business Administration degree in Finance (2007).

Mark R. Fenlaw

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
Mr. Fenlaw became a consulting actuary in 1973 when he joined Rudd and Wisdom. He became a Principal of the firm in 1980. Mr. Fenlaw is a Fellow of the Society of Actuaries, a Fellow of the Conference of Consulting Actuaries, a Member of the American Academy of Actuaries and an Enrolled Actuary. Mr. Fenlaw is a graduate of the University of Texas at Austin with a Bachelor of Arts degree with Honors in Mathematics and a Master of Business Administration degree in Actuarial Science.

Michael J. Muth

Job Titles:
  • Senior Principal
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Muth is a Senior Principal of the firm. Mr. Muth has experience in actuarial and employee benefit consulting since 1979, all with Rudd and Wisdom, Inc. Professional Designations: Mr. Muth is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries, an Enrolled Actuary, a member of the Southwest Benefits Association and a member of the Actuaries' Club of the Southwest. Expertise: Mr. Muth's experience includes the following services as a consultant to private and public plan sponsors regarding qualified plans, deferred compensation arrangements, and other employee benefit plans: Plan benefit design and determination of appropriate benefit levels including review of projected social security benefits Mr. Muth is a cum laude graduate of Culver Military Academy, graduating With Honors in Mathematics and With Honors in Physics. Mr. Muth is also a graduate of the University of Texas at Austin with a Bachelor of Business Administration degree in Finance/Actuarial Science. He graduated with highest honors, completing the entire undergraduate program as well as the Actuarial Science components of the MBA program in three years.

Mitchell L. Bilbe

Job Titles:
  • Principal
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Bilbe became a consulting actuary in 1995 and has been with Rudd and Wisdom since 2000. He became a Principal of the firm in 2004. Professional Designations: Mr. Bilbe became a Fellow of the Society of Actuaries in 2001, and he is a member of the American Academy of Actuaries and an Enrolled Actuary certified to perform actuarial services under the Employee Retirement Income Security Act. Expertise: Mr. Bilbe's primary area of expertise is in the design, funding, administration and regulatory compliance of qualified and nonqualified defined benefit retirement plans. He also has extensive experience with the actuarial valuation of postretirement medical benefit plans for purposes of GASB Nos. 74 and 75 accounting compliance. His clients include large hospital organizations, insurance companies, utility companies, not-for-profit and for-profit private employers and governmental entities. Education: Mr. Bilbe was an Echols Scholar at the University of Virginia where he graduated Phi Beta Kappa with a Bachelor of Arts degree with Distinction in Mathematics. He is also a graduate of Isidore Newman High School in New Orleans, Louisiana.

Oliver B. Kiel

Job Titles:
  • Fellow of the Society of Actuaries
  • FSA Principal
  • Professional Designations
Mr. Kiel began his actuarial career with Rudd and Wisdom in 2011. He became a principal of the firm in 2020. Professional Designations: Mr. Kiel is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries and a Chartered Enterprise Risk Analyst. Expertise: Mr. Kiel's primary areas of expertise are in individual life insurance and annuity product development, financial reporting for life insurance companies, valuation of life insurance liabilities and assets, and regulatory compliance for life insurance companies, including requirements for valuation and nonforfeiture. Mr. Kiel has also contributed to the development of internal actuarial software systems and has proficiency with GGY AXIS actuarial software. Education: Mr. Kiel is a graduate of Tulane University with a Bachelor of Science degree in Mathematics and Music Technology.

Philip S. Dial

Job Titles:
  • Senior Principal
  • FSA Principal
  • Professional Designations
Mr. Dial has been a consulting actuary with Rudd and Wisdom, Inc. since 1971. He became a Senior Principal of the firm in 1975. Professional Designations: Mr. Dial is a Fellow of the Society of Actuaries (1973) and a Member of the American Academy of Actuaries (1976). Expertise: Mr. Dial's primary area of expertise is in the design and financing of health and welfare plans including extensive experience in risk evaluation; design of requests for proposal (RFP); evaluation and selection of insurance, reinsurance, managed care and pharmacy benefit management arrangements; design of alternate funding mechanisms and provider risk sharing models; preparation of actuarial cost projections; determination of self-funded plan contribution rates and liability estimates; development of life, disability and dental insurance pricing, negotiation with carriers; evaluation of provider networks; and determination of postretirement benefit liabilities. He serves as consulting actuary for two of the largest public employee health benefit programs in Texas for whom he has provided legislative impact evaluations, assistance with legislative appropriation requests and testimony before legislative committees. Mr. Dial has extensive experience in the communication of complex actuarial and risk-related issues to non-technical personnel and is an author and speaker on health care and other insurance related topics. Mr. Dial also serves as consulting actuary to association insurance plans, including self-funded MEWAs, and has assisted in the creation and operation of some of the most successful association captive insurance companies in the country. Education: Mr. Dial is a graduate of the University of Texas at Austin with a BBA in Actuarial Science (1970). He also holds a Master of Actuarial Science degree from the University of Michigan (1971).

Raymond W. Tilotta

Job Titles:
  • Principal
  • Education
Mr. Tilotta started his consulting career with Rudd and Wisdom while a student at the University of Texas. He has been with the firm since 2000 and became a Principal in 2015. Expertise: Mr. Tilotta's areas of expertise include the design, funding, administration and regulatory compliance of qualified and nonqualified defined benefit and defined contribution retirement plans. His clients include large hospital organizations, insurance companies, not-for-profit and for-profit private employers and governmental entities. Education: Mr. Tilotta is a cum laude graduate of The University of Texas at Austin with a Bachelor of Science in Mathematics, Actuarial Science.

Rebecca B. Morris

Job Titles:
  • ASA Associate
  • Associate of the Society of Actuaries
  • Professional Designations
Ms. Morris became a consulting actuary in 1988 and has been with Rudd and Wisdom since 1995. Professional Designations: Ms. Morris is an Associate of the Society of Actuaries, a Member of the American Academy of Actuaries and an Enrolled Actuary. Expertise: Ms. Morris' primary area of expertise is in design, funding and administration of defined benefit pension plans for public employees. This expertise includes performance of actuarial valuations, review and development of actuarial assumptions and experience studies, determination of the impact and cost of benefit increases and other plan amendments, and drafting plan amendments. She also has experience with disclosure statements for public pension plans in the financial statements of the plans and the employers. Education: Ms. Morris is a graduate of the University of Texas at Austin with a Bachelor of Science degree in Mathematics.

Ronald W. Tobleman

Job Titles:
  • Fellow of the Society of Actuaries
  • FSA Principal
Mr. Tobleman began his actuarial career in 1973 and has been with Rudd and Wisdom since 1976. He is a Senior Principal of the firm. Mr. Tobleman is a Fellow of the Society of Actuaries (FSA), a Member of the American Academy of Actuaries (MAAA), an Enrolled Actuary (EA) certified to perform actuarial services under the Employee Retirement Income Security Act, a Chartered Financial Analyst (CFA) charterholder, a Certified Financial Planner (CFP®) certificant, and he also holds the Chartered Financial Consultant (ChFC) and the Chartered Advisor for Senior Living (CASL) designations.

Timothy B. Seifert

Job Titles:
  • Fellow of the Society of Actuaries
  • Professional Designations
Mr. Seifert became a consulting actuary in 2018 and has been with Rudd and Wisdom since 2016. Professional Designations Mr. Seifert is an Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. Expertise Mr. Seifert has experience in the performance of actuarial funding valuations and postretirement medical plans valuations, the preparation of actuarial reports for both public and private sector pension plans, regulatory compliance of qualified defined benefit retirement plans and defined benefit plan administration. He also has experience with the design and development of pension administration software and participant websites. Education Mr. Seifert is a magna cum laude graduate of the University of Texas at Dallas with a Bachelor of Science Degree in Mathematics.