About Actuarial Benefits & Design Company

Locally Owned. Expertly Focused. Personally Invested.

Founded in 1989 with just four employees, Actuarial Benefits & Design Company (AB&D) has grown into a highly experienced and stable team with an average tenure of over 20 years. That continuity allows us to deliver unmatched depth of expertise and consistent, high-quality service to every client we serve.

In an era of private equity acquisitions, AB&D remains proudly independent and locally owned, committed to providing the personal attention and technical excellence plan sponsors need in today’s complex tax and compliance landscape.

As a female-owned firm, we are also proud to lead by example in workplace flexibility, fostering a culture that supports both professional excellence and family responsibilities. Many of our team members balance both—bringing that same sense of responsibility and care to every client interaction.

You’ll never be routed through a phone tree at AB&D. Calls are answered by professionals who know you and are ready to help. We offer the personalized attention of a boutique firm with the technical depth of a large practice.

Since 1995, we have maintained strategic alliances with financial institutions that recognize the value of our specialized consulting and compliance services. We complement their investment offerings with expert plan governance and operational support—filling the gap with scalable services tailored to each client’s needs.

We do not provide investment advice, but we specialize in plan design, governance, and compliance—the essential services every qualified retirement plan requires. Whether serving as an extension of your HR team or offering targeted support, we deliver professional services aligned with your goals.

AB&D was founded by Lisa Germano and Debbie Coyner, both dually licensed as attorneys and CPAs. Their vision: build a firm that remains small, accessible, and focused on delivering deep expertise with personal care. Lisa continues to advocate nationally for small businesses and the private retirement system, a passion that underscores our mission.

Our Philosophy

We view ourselves as part of your advisory team, working in collaboration with your CPA, attorney, and investment advisor. We value strong, mutually respectful relationships and aim to make every interaction productive—and enjoyable.

Our firm’s strength lies in our unique blend of legal and accounting disciplines, enabling us to stay agile and responsive in an ever-changing regulatory environment. Ongoing continuing education and an annual client symposium ensure our clients and team stay informed and ahead.

At AB&D, the team is the service. Every member contributes to the collective knowledge and excellence we bring to your retirement plan. We are committed to prompt, responsive service—and welcome the opportunity to tailor a plan design that aligns with your vision.