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“Six years ago we contacted a major financial institution to investigate establishing a cash balance pension plan. They referred us to JC Actuarial Benefit Consultants. Julia Chernyak answered a blizzard of our questions and explained how the plan would work, particularly considering the profile of our employees. We adopted the plan that year and have been very glad we did. Julia has done the actuarial work for the plan each year since then, always explaining our options clearly. I would strongly recommend JC Actuarial Benefit Consultants if you are considering anything like this for your company."