Drawing on its years of experience with a wide variety of charitable institutions, PG Calc offers a full range of services to assist charities in establishing, enhancing or reviewing a gift annuity program. 

A risk analysis program typically includes:

1. Analysis of current annuity obligations and reserves to determine the amount by which reserves exceed the present value of annuity obligations.
2. Determination of probable outcomes for all gift annuities, based on different asset allocations.
3. Identification of any particular gift annuities at risk of exhaustion, using both a constant net return method for all, and Monte Carlo analyses for those at greatest risk. 
4. Evaluation of the profitability of the program, taking into consideration the amounts initially contributed, withdrawals to date, operational funds used, and the projected residuum.
5. Recommendations regarding management and investment of gift annuity reserves, including possible changes in policies.   
6. Review of general policies regarding acceptance and administration of gift annuities and recommendations regarding any changes in policies.

As a result of this analysis, a client receives a written report that consists of data and analyses pertaining to the six items listed above as well as recommendations for halting losses, if any, and policies and procedures to make the program more profitable.