Contact Info

314.567.7480 tel

314.567.4199 fax


Margaret Tiller Sherwood, FCAS, FSA, MAAA, FCA, CPCU, ARM, ERMP, CERA

Margaret Tiller Sherwood is the President of Tiller Consulting Group, Inc. Margaret is a:

  • Fellow of the Casualty Actuarial Society (FCAS),
  • Fellow of the Society of Actuaries (FSA),
  • Member of the American Academy of Actuaries (MAAA), and
  • Fellow of the Conference of Consulting Actuaries (FCA).

In addition to her actuarial qualifications, she is a Chartered Property and Casualty Underwriter (CPCU) and holds an Insurance Institute of America diploma in risk management (ARM).

In 2007 Margaret completed the requirements for the Insurance Educational Association's Enterprise Risk Management Professional (ERMP) designation. She taught a session of the last required course and is in the first group of people and the only actuary to have earned this designation. In 2008 Margaret was awarded the Certified Enterprise Risk Analyst (CERA) designation by the Society of Actuaries. Margaret meets the American Academy of Actuaries' Qualification Standards for Actuaries Issuing Statements of Actuarial Opinion in the United States.

Margaret's education includes a Master of Science in Statistics from Stanford University and both a Bachelor and Master of Arts in Mathematics from Vanderbilt University. She has over 25 years of actuarial and risk management consulting experience. She frequently speaks at AGRIP, PRIMA, RIMS, and professional (actuarial and underwriting) meetings.

Margaret served on the several Governmental Accounting Standards Board task forces, the PRIMA Pooling Accounting Task Force, and the Public Risk Database Project Products and Applications Committee.

Margaret has many published articles. She is the lead co-author of the RM56 textbook, Essentials of Risk Financing, first edition. She is the author the "Individual Risk Rating" and "Risk Theory" chapters in the Foundations of Casualty Actuarial Science textbook published by the Casualty Actuarial Society. Margaret also is the author of CAS Exam 8 and 9 Study Manuals for ACTEX Learning. Several of Margaret’s publications have been on the Casualty Actuarial Society examination syllabus.

Margaret has been and continues to be very active in actuarial societies. She is a Past President of the Conference of Consulting Actuaries and a Past Chair (President) of the International Association of Consulting Actuaries. She has been on the Board of the American Academy of Actuaries and was a member of the predecessor to the North American Actuarial Council. She was the first President of the Central States Actuarial Forum. She has served on the Casualty Committee of the Actuarial Standards Board and is the current chair of its General Committee.

Holley R. Rouse

Holley is an Actuarial Analyst with Tiller Consulting Group, Inc. Holley has worked for Tiller Consulting Group, Inc. for over thirteen years, starting with part-time data entry and various clerical duties. She has been an actuarial student since February 2015 and has passed three of the actuarial exams leading to the designation Fellow of the Casualty Actuarial Society. Holley also has Validation by Educational Experience in Economics, Corporate Finance, and Statistics. She is an excellent problem-solver and writer.

Holley graduated in 2009 with a Bachelor of Music in Music Theory from Furman University, where she had scholarships for merit, voice, and piano and a Wiley Math Scholarship. She completed the math coursework to have the equivalent of a minor in math, though Furman does not issue minors.

In 2010 Holley worked as the Billing Specialist for Omni Physical Therapy. She processed insurance payments, billed insurance companies and patients, and called insurance companies directly to solve any billing problems or to clarify coverage. Before she left Omni, she wrote procedural manuals for Claims Billing, Patient Billing, and Daily Closeouts that are still used today.

From March 2010 to February 2015, Holley worked as a bookkeeper for two gourmet restaurants owned by the same family. She oversaw the switch from out-of-house to in-house accounting, switched the restaurants from paper systems to more accurate electronic systems, cleaned up several years of inaccurate bookkeeping, created new systems for day-to-day operations that are more accurate and easier to use, and put controls in place to deter or quickly catch fraud or theft. In 2014, Holley also helped the company transition to a new POS system. As a result of that change, she had to rework day-to-day accounting operations and weekly payroll reporting. Before she left in February 2015, she fully trained her replacement and wrote several training manuals still being used today. Holley currently advises the restaurants on any complex bookkeeping issues that arise and audits several of their accounts regularly.

Other Consultants

We have access to other actuaries and to consultants in other areas of expertise with whom we work, such as claim administration auditors. We call in these consultants if we think the situation warrants it and the client agrees or if the client specifically requests that we do so.