Our people learned their trade
from the world's leading insurance, benefit, and auditing organizations.
We pride ourselves on our independence and honesty and can be counted
on to offer cost-effective solutions to your benefit problems. Where
we do not know the answer, we find it. We've built relationships across
the industry that we can call upon. Our network of resources gives our
clients broad access to a complete line of consulting services.
Our Key Principals:
Tim Luedtke, FSA, CFA,
MAAA
Principal & Consulting Actuary
Tim,
our founder, combines strong leadership and financial background
as an actuary and a chartered financial analyst. His 25+ years
experience with leading Fortune 100 insurance organizations and
the Big Four position him well to anticipate the practical implications
of policy proposals. He worked in the areas of new business development,
investment management, product development, strategic growth,
insurance securitizations, life settlements, international, and
corporate development. A passionate proponent of personal responsibility
and empowering those closest to a problem to solve it, Tim developed
Navigator's approach to creating physician-empowered, motivated accountable
care organizations (ACOs), one which begins at the local level, supports strengthening
trusted physician-patient relationships and accomplishes these goals irrespective of whether the
physician is independent or employed by a larger organization.
Tim is actively involved with the American
Academy of Actuaries. During the recent health reform effort,
Tim worked with numerous groups to help policymakers understand
the implications on the group and individual insurance markets
of various reform options. Tim believes that the best opportunity
for affordable, accessible, and widely available health care coverage
is to create a viable individual insurance market where larger
risk pools can significantly reduce and/or stabilize year-to-year
rate increases characteristic of insurance programs utilizing
small risk pools. Tim has written and presented on numerous health
and employee benefit topics including: captive insurance, comparative
effectiveness, consumer-driven health care, and pay for performance.
Tim created and filed patents supporting a concept called the AURA® Plan. The AURA®
Plan offers a tax-preferred investment vehicle for funding retiree
and active employee health benefits, HRA balances, long-term care
savings, and other health benefits. The AURA® Plan
combines a 401(k) plan with an embedded health care account allowing
employers of all sizes to offer a single, combined employee benefit
account where contributions are established as a percentage of
salary and year-to-year changes are independent of health care
and other benefit cost inflation.
The AURA® Plan
Tim is a Fellow of the Society of Actuaries (FSA), and a Chartered Financial Analyst (CFA). He received a Bachelor of Science degree from the University of Nebraska.
Diane Luedtke, FSA
Principal & Consulting Actuary
Diane has over twenty
years of diverse actuarial, employee benefits, and consulting
experience. She spent 13 years with a leading insurance company
where she managed employee benefits actuarial, pricing, product
design, and valuation areas. Before joining Navigator Benefit
Solutions, LLC, she consulted independently for both large and
small employers. Her consulting work covers a variety of topics,
including benefit plan design and cost strategies, underwriting,
experience analyses, and valuations.
Diane understands the
extraordinary challenges today's employers face in their efforts
to provide an attractive benefits package at an affordable cost.
She believes a well-designed and carefully managed employee benefits
program is crucial for optimizing outcomes. She works with employers
to find solutions suited to their unique needs, objectives, and
culture. She develops the most cost-effective solutions designed
to provide optimum value and lead to a healthier, more productive
work force.
Diane is a Fellow of the Society of Actuaries (FSA) and a Chartered Life Underwriter (CLU). She received her Master's degree from the Wharton School at the University of Pennsylvania and BBA in actuarial science from Temple University.
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