Who We Are

Sydney Consulting Group, a fast-growing consulting firm, provides actuarial, compliance, and strategic consulting to carriers, employers, and producers.

Our staff has worked in both carrier and consulting environments as well as both actuarial and operational roles. As a result, we understand the carrier perspective, and we strive to exceed your expectations as consultants.

Our product experience includes, but is not limited to, Accident Indemnity, Accident Medical Expense, Cancer, Critical Illness, Short Term Disability, Hospital Indemnity, Long Term Care, Medical Gap, Medicare Supplement, Short Term Care, Term Life, Universal Life, and Whole Life.

Sydney Consulting Group is a client-focused organization built on the carrier and consultant leadership experience of its staff.


Bill Bade, FSA, MAAA – Principal/Consultant

Bill founded Sydney Consulting Group with a strong desire to provide client-focused actuarial, compliance, and strategic support to carriers of all sizes in the supplemental benefits industry.

Bill has been successful at every stop throughout his career, earning distinguished honors such as The Allstate Corporation’s Chairman’s Award, The Allstate Corporation’s Volunteer of the Year, Allstate Benefits Employee of the Year, Outstanding Senior Math Major. In addition, one of a select number of college students awarded a Research Experience for Undergraduates at Worcester Polytechnic Institute.

Bill most recently completed three years of employment with Milliman in 2018, leading Accident, Cancer, Critical Illness, Hospital Indemnity pricing, and a competitive intelligence team.

Let's Connect on LinkedIn

Hunter Sexton, JD, MHA – Consultant

Hunter is a Compliance Consultant with Sydney Consulting Group. He joined the firm in 2020 after 10 years with major medical and government managed care carriers.

Hunter holds a Juris Doctor, Stetson University College of Law, Honors Graduate, Master of Healthcare Administration, University of South Florida College of Public Health, Honors Graduate, and Bachelor of Political Sciences, University of Florida.

Let's Connect on LinkedIn

Andreea Savu, FSA, MAAA – Consultant

Andreea was most recently a Vice President and the Principal Financial Officer for Aflac US. In that role, she was responsible for Aflac US overall P&L results, including directing financial strategy, planning, and forecasts, and reporting directly to the President of Aflac US.

In addition, she created and led the FP&A division and the Analytics Center of Excellence for Aflac U.S. As such; she was responsible for identifying, analyzing, and reporting on trends and opportunities for expansion and projections of future company growth and profitability.

She also established the foundation for Big Data and Artificial Intelligence capabilities, including data infrastructure (EDP, MDM), data visualization (Command Center), data governance (data glossary, ISO certification), analytics training (CRISP-DM), and machine learning projects (Hackaton, sales forecast, lead optimization, suggestive selling, “at-risk” retention).

Before her FP&A role, Andreea spent eight years in the actuarial department of Aflac Group (formerly Continental American Insurance Company) and was involved in all of the company’s actuarial functions: valuation, pricing, and product development, product management, and underwriting. In addition, she served as an Appointed Actuary for Aflac Group in 2011 and 2012.

Let's Connect on LinkedIn

Kristi Hardenbergh, ASA, MAAA – Actuary

Kristi is an Actuary with Sydney Consulting Group based out of Denver. She joined the firm in 2020, after spending the previous two and a half years in consulting, supporting the development of supplemental products. Kristi joins Sydney’s talented actuarial team in assisting clients in product development, preparing actuarial materials for rate filings, and responding to state objections.

Kristi holds a Bachelor of Fine Arts in Dance Performance, Mathematics Minor, Butler University, Cum Laude, Highest Honors.

Let's Connect on LinkedIn


Kamran Malik, ASA, MAAA – Consultant

Kamran was most recently a Consulting Actuary at Wakely Actuarial, providing and managing actuarial services for Accident, Critical Illness, Hospital Indemnity, Long Term Care, and Medicare Supplement products. Before Wakely Actuarial, Kamran worked at Universal American Corporation (Director of Product Pricing), Anthem, FarmBureau Insurance Company, and Conseco. Kamran’s unique experience covers over 23 years in the insurance industry.

Kamran holds a Bachelor of Science (B.S.) degree in Mathematics from the University of Nebraska – Lincoln and currently serves on the Supplemental Health, DI, and LTC Conference Planning Committee.

Let's Connect on LinkedIn

Carl Grafmuller, SA, MAAA, CERA – Actuary

Carl is an Actuary with Sydney Consulting Group based out of Amsterdam, The Netherlands. He joined the firm in 2020 after serving in actuarial and non-actuarial roles related to life insurance, machine learning, and artificial intelligence. Carl’s unique experience will support Sydney’s innovative approach to product development, valuation, administration, etc., functions within brokers, insurance carriers, and technology firms.

Carl holds a double major with a Bachelor of Science in Actuarial Science and a Bachelor of Science in Finance, Leonard N. Stern School of Business, New York University.

Let's Connect on LinkedIn


Gary Stere, J.D. – Consultant

Gary was most recently Senior Vice President and General Counsel at Allstate Benefits, providing and managing legal/compliance services while supervising a team of 32 professionals. Gary oversaw regulatory compliance, dispute resolution, insurance product form development, regulatory filing, contract negotiation, corporate acquisitions, and litigation management.

Before Allstate Benefits, Gary worked at the law firm of Marks, Gray, Conroy & Gibbs P.A., and he was a Military Officer (attorney) with the United States Army assigned to both U.S. and overseas locations.

Gary holds a Bachelor of Arts (B.A.) degree in Political Science from DePauw University, a Juris Doctor from Emory University School of Law, and an MBA from the University of Colorado – Colorado Springs.

Let's Connect on LinkedIn

Christine Cairns, FLMI, AIRC – Compliance Associate

Chris is a Compliance Associate with Sydney Consulting Group. She joined the compliance team in April bringing 32 years of compliance experience. Chris joins Sydney following 10 years as a Senior Compliance Analyst for annuity products at Sammon’s Financial Group (Midland National Life Insurance Company and North American Company for Life and Health Insurance).

Chris holds a Bachelor of Science from Iowa State University.

Let's Connect on LinkedIn

Jennifer Aiello, FLMI, ACS, AIRC – Compliance Associate

Jennifer is a Compliance Associate with Sydney Consulting Group in Safety Harbor, Florida. She joined the firm in 2020 after working close to 15 years in the compliance unit at Allstate Benefits. Jennifer’s extensive background in drafting insurance contracts, filing products, reviewing new laws and regulations, and responding to objection letters spans both life and health products.

Jennifer holds an Associate of Arts from Brewton-Parker College; Bachelor of Business Administration, Capella University ’21.

Let's Connect on LinkedIn

Brandi Waldner, ALMI, ACS – Compliance Associate

Brandi is a Compliance Associate with Sydney Consulting Group. She joined the firm in 2020 after six years working in the compliance department of a leading supplemental carrier.

Brandi holds a Bachelor of Arts from Columbia College.

Let's Connect on LinkedIn

Peter Polis – Compliance Associate

Peter is a Compliance Associate with Sydney Consulting Group focused on Supplemental Health. He joined the compliance team in 2020 after two years of working in the member solutions department of a leading financial services company.

Peter holds a Bachelor of Arts from St. Joseph’s College.

Let's Connect on LinkedIn

Robert Ryan – Compliance Associate

Robert is a Compliance Associate with Sydney Consulting Group. He joined the compliance team in June, bringing over 15 years of compliance experience. Robert joins Sydney following seven years as a Senior Compliance Analyst for Individual and Group annuity products at American United Life Insurance Company/OneAmerica.

Robert holds a Bachelor of Arts degree from Anderson University and is a member of the industry organization: AICP, ACLI, and LHCA.

Let's Connect on LinkedIn