Joel is the national consulting and national finance and insurance industry leader for the audit, tax and consulting firm RSM Canada, and has nearly 30 years of actuarial consulting experience in the field. He provides innovative and value-added consulting solutions in a number of areas, including affinity/association insurance design, delivery and optimization; capital deployment and efficiency; employment benefit design, delivery and funding; life, disability and critical illness insurance; reinsurance and reinsurance structuring; and tax efficiency. He previously acted as the appointed actuary for various off-shore reinsurance entities. Before joining the firm, Joel was the CEO of an industry-leading actuarial consulting firm and, prior to that, a partner at one of the big four accounting firms. A graduate of the University of Toronto, he is also a member of the Canadian Institute of Actuaries and the Society of Actuaries.