TelRock Insight
Major financial decisions are often made using assumptions that are not fully tested under real-world uncertainty. When those assumptions are wrong, the long-term impact can be significant.
TelRock Insight provides independent financial analysis and decision support for individuals and families facing complex financial choices — focusing on evaluating assumptions, testing outcomes under different scenarios, and identifying risks that are not always visible in standard financial planning or product illustrations.
Founder
Joshua Liu, FSA, FRM
Principle
Joshua Liu is a credentialed actuary with nearly 27 years of experience in life insurance, annuities, retirement systems, financial valuation, and risk management.
His background includes direct experience with the modeling frameworks used to design financial products — including annuities, retirement income structures, and long-term financial risk models.
TelRock applies this institutional-level actuarial approach directly to individual financial decision-making — bringing the same analytical rigor used by major financial institutions to the decisions that matter most to individuals and families.
A Note From Joshua
"I spent nearly 27 years working inside major financial institutions. I understand how financial products are designed, how assumptions are built into illustrations, and where risks are often not clearly communicated to clients.
Most people make major financial decisions once in their lifetime — retirement, Social Security, annuities, debt restructuring. These decisions deserve the same level of rigorous independent analysis.
TelRock exists because I believe every individual deserves access to truly independent analysis — without a sales agenda, without product incentives, and without conflicts of interest.
No judgment. No shame. Just honest independent analysis."
— Joshua Liu, FSA, FRM Founder, TelRock Insight