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RTU & Associates, Inc.

Actuaries & Benefit Consultants
6 Hilshire Grove Lane, Houston, Texas 77055
Tel. No. (713) 463-5900 Fax (713) 932-0925 E-mail: rtu@pobox.com

Roman T. Umali, Jr., A.S.A. M. Lina Suarez-Umali, F.C.C.A., A.S.A.
President & Actuary Principal & Consulting Actuary –Class68

RTU will help you make the adoption and administration of your

qualified retirement plan as cost-effective and hassle-free as possible.

We specialize in:

 Designing Cash Balance, 401(k), Profit Sharing, and Traditional

Defined Benefit Plans

 Annual third party administration for all types of plans

 Pension consulting and related projects such as regulatory

compliance, IRS submissions, PBGC filings, employee
communications, contribution and benefit projections, plan
documents and more.

We are an independent fee-for-service firm providing
experienced and qualified assistance to our clients.

Our greatest asset is our ability to custom-design pension plans,
that will most effectively meet the objectives of the small business owners.