Problem Solving Enterprises, Inc.
Actuarial Consulting, Compliance & Software
About Us
Founded in 1995, PSE is an actuarial consulting firm which specializes in providing a wide range of life and annuity product consulting services in addition to innovative product development, project implementation and state filing and compliance services. Our commitment to providing our clients with superior, customized service sets us apart.


Chuck Ritzke, FSA, MAAA
Consulting Actuary
Office: (847) 551.1600
Mobile: (847) 322.5007

Chuck is a Consulting Actuary for Problem Solving Enterprises (PSE), which he founded in 1995. Chuck has over 31 years experience in the actuarial profession. His consulting work has been in the areas of product development, marketing software development, web development, internet marketing, direct marketing, financial modeling, valuation, administrative systems, customer service support, marketing/agency support, and policyholder taxation.

Prior to forming PSE, Chuck held various senior management roles at Zurich Life of America, including Executive Vice President of New Business, Chief Marketing Officer, and Chief Actuary. In these roles, he undertook major initiatives in the areas of strategic planning, incentive compensation, re-engineering, employee training, reinsurance negotiations, agency/sales management, product/sales compliance and the development of a direct marketing distribution system. Chuck started his career at Bankers Life and Casualty in Chicago, IL.

Chuck also had a part in the founding of two “dot com” companies including, a premier internet rewards program, where he helped in developing and implementing the initial business plan and in obtaining venture capital funding.

Chuck is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. He has been actively involved in professional activities including past chair of the SOA Entrepreneurial Actuaries section and current council member of the SOA Marketing and Distribution section. Chuck has also participated as a member of various work groups/committees and as a speaker at various industry meetings.

Chuck received a B.S in mathematics from Rockford College, did graduate work in mathematics at Louisiana State University and received an M.S. in mathematics from the University of Illinois.

Heidi Zona, ASA
Actuarial Consultant
Office: (847) 765.6015
Mobile: (847) 710.1341

Heidi has over 12 years of actuarial experience in the life insurance business. Specific areas of experience include asset/liability modeling, cash flow testing, hedging and risk management, and term insurance pricing.

Prior to joining PSE, Heidi worked for Zurich Life for 6 ½ years. While at Zurich, she constructed and analyzed all components of asset/liability models, performed annual cash flow testing, assisted in drafting company hedge program guidelines, analyzed risks associated with variable annuity guaranteed benefits, and completed several pricing iterations of the term portfolio. Heidi also worked for XL Life & Annuity where she assisted with risk management of floating rate funding agreements. She started her career as an Actuarial Consultant with KPMG where she performed cash flow testing and assisted with GAAP implementation and audits.

Heidi is an Associate of the Society of Actuaries and received a B.S.B.A. in Actuarial Science from Drake University.

Deb Howver
Compliance Analyst
(224) 402.2156

Before joining PSE, Deb spent a number of years in the tax department for AM International, Inc. involved with state and local tax filings, audits and the development of company tax compliance procedures. Most recently, she worked for American Family Insurance in their total loss department assisting in the processing of claims.

Deb is a graduate of Illinois State University.

Barb Ritzke
Compliance Analyst
(847) 322.5862

Barb has over 20 years of experience in the health care field. Her specific areas of expertise include regulation and compliance, business development and marketing research.

Barb is a graduate of Rockford College.