
We don’t promise certainty. We provide confidence.
PRISMARA is a consulting firm focused on helping organizations transform obligations, data, and regulatory requirements into clear insights, reliable reporting, and practical solutions for better financial and business decisions.
Financial Obligations
Specialized Solutions for
Trusted by finance & HR teams, audit firms, and listed companies

We don’t promise certainty. We provide confidence.
PRISMARA is a consulting firm focused on helping organisations transform obligations, data, and regulatory requirements into clear insights, reliable reporting, and practical solutions for better financial and business decisions.
Financial Obligations
Specialized Solutions for
Trusted by finance & HR teams, audit firms, and listed companies
We combine actuarial expertise, reliable methodology, and practical insight to deliver outcomes that are clear, trusted, and ready to support better decisions.
OUR DIFFERENCE
We combine actuarial expertise, reliable methodology, and practical insight to deliver outcomes that are clear, trusted, and ready to support better decisions.
OUR DIFFERENCE
Understand Context
Business context, workforce changes, reporting needs, and valuation considerations.
Prepare the Data
Data validation, readiness checks, and client-confirmed corrections.
Value the Obligation
We apply our actuarial model and assumptions to calculate IAS 19 obligations.
Deliver with Clarity
We provide reports, disclosures, and outputs ready for management and audit review.











Understand Context
Business context, workforce changes, reporting needs, and valuation considerations.
Prepare the Data
Data validation, readiness checks, and client-confirmed corrections.
Value the Obligation
We apply our actuarial model and assumptions to calculate IAS 19 obligations.
Deliver with Clarity
We provide reports, disclosures, and outputs ready for management and audit review.








Our Services
1) Employee Data Preparation & Analysis
2) End-of-Service Benefit Calculations
3) IAS 19 Liability Valuation
We review, validate, and organize employee records, payroll data, length of service, and workforce categories to ensure the information used in the valuation is complete, accurate, and reliable. This analysis also helps identify the key factors influencing the size of the obligation and the distribution of costs across the organization.
We calculate end-of-service benefit obligations based on employee data, salary levels, length of service, and the organization’s approved benefit entitlement policies, using a rigorous and reviewable methodology.
We prepare valuations and supporting outputs in accordance with IAS 19 requirements, including the recognized liability, expense for the reporting period, and movements in the obligation throughout the year.
4) Financial & Actuarial Assumption Development
We support the development of appropriate financial and actuarial assumptions that reflect the organization’s characteristics and underlying data, including discount rates, salary growth, employee turnover, and the expected timing of benefit payments.
5) Sensitivity & Risk Analysis
We assess the impact of changes in key assumptions on the value of employee benefit obligations and highlight the associated financial risks, enabling management to plan more effectively and make better-informed decisions.
6) Reporting & External Audit Support
We deliver clear, professionally structured financial and management reports that combine technical rigor with practical clarity. We also provide organized supporting documentation and valuation outputs that enable management, finance teams, and external auditors to understand the methodology, review the results, and rely on them with confidence.
1) Employee Data Preparation & Analysis
2) End-of-Service Benefit Calculations
3) IAS 19 Liability Valuation
We review, validate, and organize employee records, payroll data, length of service, and workforce categories to ensure the information used in the valuation is complete, accurate, and reliable. This analysis also helps identify the key factors influencing the size of the obligation and the distribution of costs across the organization.
We calculate end-of-service benefit obligations based on employee data, salary levels, length of service, and the organization’s approved benefit entitlement policies, using a rigorous and reviewable methodology.
We prepare valuations and supporting outputs in accordance with IAS 19 requirements, including the recognized liability, expense for the reporting period, and movements in the obligation throughout the year.
4) Financial & Actuarial Assumption Development
We support the development of appropriate financial and actuarial assumptions that reflect the organization’s characteristics and underlying data, including discount rates, salary growth, employee turnover, and the expected timing of benefit payments.
5) Sensitivity & Risk Analysis
We assess the impact of changes in key assumptions on the value of employee benefit obligations and highlight the associated financial risks, enabling management to plan more effectively and make better-informed decisions.
6) Reporting & External Audit Support
We deliver clear, professionally structured financial and management reports that combine technical rigor with practical clarity. We also provide organized supporting documentation and valuation outputs that enable management, finance teams, and external auditors to understand the methodology, review the results, and rely on them with confidence.






A team of experts delivering accurate insights and reliable solutions, empowering your business with clarity and confidence.
Balsam Alshahrani
Alaa Saif Eldin | ASA
Founder & CEO
Senior Actuarial Consultant
Consultant
Actuarial and risk analytics professional with extensive experience in risk assessment, strategic business analysis, performance evaluation, financial transformation, and financial modelling,
Actuary with extensive experience in pensions, insurance, risk modelling, and academia. Specialising in pension analysis and financial consulting.
Actuarial professional with over five years in employee benefits and end-of-service valuations under IAS 19.
Yassir Khalid | ASA, AIA






A team of experts delivering accurate insights and reliable solutions, empowering your business with clarity and confidence.
Balsam Alshahrani
Alaa Saif Eldin | ASA
Founder & CEO
Senior Actuarial Consultant
Consultant
Actuarial and risk analytics professional with extensive experience in risk assessment, strategic business analysis, performance evaluation, financial transformation, and financial modelling,
Actuary with extensive experience in pensions, insurance, risk modelling, and academia. Specialising in pension analysis and financial consulting.
Actuarial professional with over five years in employee benefits and end-of-service valuations under IAS 19.
Yassir Khalid | ASA, AIA