Crisis & Resilience

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The Pension Fund Has the Same Problem You Do

September 6, 2026by Dr Dawkins Brown

One side holds duration it cannot use. The other needs duration it cannot obtain. In this region, they have never been properly introduced. The Endurance Capital Series, Part Three · The Dawgen Endurance Capital Framework™ A pension fund paying benefits in 2050 has an obligation twenty-five years long. To meet it without taking a...

Advisory & Consulting Board & Governance Corporate Finance & M&A Crisis & Resilience Risk & Compliance Strategy & Transformation

Everything That Left the Business

September 6, 2026by Dr Dawkins Brown

A company can cut its dividend by three quarters and still be extracting more than the year before. One number catches it. The covenants in most instruments do not. The Endurance Capital Series, Part Two · The Dawgen Endurance Capital Framework™ A board meets to approve the accounts. The finance director reports that in a...

Advisory & Consulting Corporate Finance & M&A Crisis & Resilience Strategy & Transformation

A Seven-Year Loan Against a Thirty-Year Asset

September 6, 2026by Dr Dawkins Brown

Caribbean enterprises are not failing because they are unprofitable. They are failing because of how they were financed — and the structure that fixes it already exists. Introducing The Dawgen Endurance Capital Framework™ There is a conversation that takes place in this region more often than anyone would like to admit, and it always...

Accounting & BPO Advisory & Consulting Caribbean Business Corporate Finance & M&A Crisis & Resilience Leadership & Careers

The bookkeeper who leaves takes the system with her.

August 30, 2026by Dr Dawkins Brown

What happens when your only bookkeeper resigns — and what a handover cannot IN SHORT What leaves with a departing bookkeeper is not the bookkeeping. The ledger stays. What leaves is the undocumented layer — why an account is coded the way it is, which supplier invoices are always queried, what the three-year-old reconciling...

Company News Crisis & Resilience Cybersecurity & Data Protection Dawgen Frameworks & Series Risk & Compliance

RESILIENCE : A Backup You Have Never Restored Is Not a Backup

August 13, 2026by Dr Dawkins Brown

A standing guide for owner-managed businesses, their boards and their advisers The Dawgen Value Architecture™ — six pillars of private company value. This guide addresses Pillar 5. The Dawgen Value Architecture™ Most owner-managed businesses in the Caribbean are worth less than the people who built them believe. That is not a comment on...

AI & Emerging Technology Board & Governance Crisis & Resilience Regulatory & Standards Risk & Compliance

You Didn’t Buy AI. You Bought Software That Now Has It.

August 5, 2026by Dr Dawkins Brown

Why your third-party contracts are the largest unexamined AI exposure in your organization Ask most executive teams in this region whether their organization uses artificial intelligence and you will get a confident answer. Not yet. Perhaps next year. We are watching it carefully. Then ask a narrower question. Which of your vendors use AI...

Actuarial Services Board & Governance Crisis & Resilience Dawgen Frameworks & Series HR & People Risk & Compliance

Is Your Pension Plan Sustainable? Why the Funding Ratio Is Not Enough

August 2, 2026by Dr Dawkins Brown

IN BRIEF Most trustee and board discussion of a pension plan begins and ends with the funding ratio. It is the wrong number to end on — not because it is inaccurate, but because it describes one day and says nothing about whether the plan recovers from it. Three questions matter more. How mature...

Actuarial Services Crisis & Resilience Dawgen Frameworks & Series ESG & Sustainability

The actuarial case for caribbean climate resilience

July 31, 2026by Dr Dawkins Brown

IN BRIEF Caribbean organisations cannot influence how often hurricanes form or how intense they become. That is the part of climate risk most discussion concentrates on, and it is the only part that is not a management decision. What is decided — deliberately or by default — is what the organisation owns and where,...

Actuarial Services Corporate Finance & M&A Crisis & Resilience Cybersecurity & Data Protection Dawgen Frameworks & Series

Quantifying the risks hidden in strategic plans

July 31, 2026by Dr Dawkins Brown

IN BRIEF A strategic plan is a set of assumptions with a financial statement attached. The assumptions are usually reasonable. The problem is that they are recorded as inputs rather than as uncertainties, and once a number enters the model nobody revisits who chose it or what it would take to be wrong. This article...

Audit & Assurance Board & Governance Corporate Finance & M&A Crisis & Resilience Data & Analytics Dawgen Frameworks & Series Risk & Compliance

The Three Lines in Practice: Making Risk, Compliance, and Internal Audit Work Together

July 19, 2026by Dr Dawkins Brown

Article 6 closed with a one-page exercise: the assurance map, showing which of an organization’s principal risks carry continuous assurance, periodic assurance, or none at all. Boards that complete it honestly usually discover the same two things. First, some risks are assured twice — tested by internal audit, reviewed by compliance, monitored by risk...

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The Pension Fund Has the Same Problem You Do

A Seven-Year Loan Against a Thirty-Year Asset

RESILIENCE : A Backup You Have Never Restored Is Not a Backup

You Didn’t Buy AI. You Bought Software That Now Has It.

Quantifying the risks hidden in strategic plans

The Three Lines in Practice: Making Risk, Compliance, and Internal Audit Work Together

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