Description: Abstract for the 2009 Housing Wealth monograph paper, “Retirement Implications of Housing Wealth Spending”. This paper explores comparative trends in home ownership versus renters, the associated levels of housing expenditures, and the extent of equity borrowing. The goal is to stress the need in retirement to cover basic housing needs and the risks of using housing for other purposes.

Description: This paper is a response to the comments on the Tracker Plan, a concept for U.S. pension reform.

Description: This paper explores comparative trends in home ownership versus renters, the associated levels of housing expenditures, and the extent of equity borrowing. The goal is to stress the need in retirement to cover basic housing needs and the risks of using housing for other purposes.

Description: To be financially "well" is unique to an individual. Following a hierarchy of needs is key, along with saving more than the talking heads tell you to.

Description: Individuals in retirement should pay all general living expenses from predictable income, and then all other expenses from the liquidation of the endowment.

Description: This paper is a comment on the Tracker Plan, a concept for U.S. pension reform.

Description: Builds on the 2014 Pension Research Council meeting and paper authored by myself and Andrew Peterson, plus other meeting content to focus on alternative views for the future of the pension system.

Description: September issue of PSN

Description: Employers who offer financial wellness programs that help younger employees plan for major life events could see improved employee retirement preparedness.

Description: This issue wraps up the publication of essays to explore solutions available to address risks in retirement and focus on risks in a DC environment.