Thomas G. Coulter, FSA, MAAA                                               
President and Actuary

Tom has over 35 years of professional experience in the actuarial field. He earned his ASA while working at Colonial Penn and later earned his FSA while working at the Hartford Insurance Group. Prior to starting Coulter & Associates, Tom was a consultant with Johnson & Higgins.

Tom is a Fellow of the Society of Actuaries and member of the American Academy of Actuaries. He is a frequent speaker at industry meetings. He holds a BA in Physics from Princeton University.

Contact Tom at, or by phone at (609) 443-4140.

Susan Coulter, CLU, ChFC
Principal Contract & Compliance Consultant

Susan has over 35 years of product, regulatory affairs,  and management experience. Prior to joining Coulter & Associates, she held management positions with the Hartford Insurance Group and UNUM.

Susan is a Chartered Life Underwriter and a Chartered Financial Consultant. She holds an MSLS from the University of North Carolina.

Contact Susan at or by phone at (609) 443-7540.