Description: This article is a response to comments on the Successful Employee Retirement Income Outcomes in the United States (SERIOUS), a comprehensive model for the delivery of employment-based retirement income.

Description: The Successful Employee Retirement Income Outcomes in the United States (SERIOUS) is a comprehensive model for the delivery of employment-based retirement income.

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector.

Description: An actuarial model that provides financial incentives to providers to offer patients an approach that can reverse chronic disease and reduce health care costs

Description: This essay, submitted for the Society of Actuaries' Entrepreneurial Actuaries Section 2010 Papers Competition, proposes an entrepreneurial solution to address the continued, unsustainable increases in health care costs. Under the author’s plan, entrepreneurs will “develop systems providing clear financial motivation for consumers to make decisions that minimize health care spending and maximize positive health outcomes. In so doing, health care providers must necessarily compete to offer the highest quality services at the lowest cost. By relying on the financial self-interest of consumers and free-market competition among health care providers, effective and sustainable systems to bend the health care cost curve can be achieved.”