Description: Top down approach to retirement results in wasting the human capital of retirees. We should concentrate, instead on allowing our clients to use their human capital to the fullest extent possible, and structure retirement products around that premise.

Description: Discusses the Canadian Institute of Actuaries report on whether the normal retirement age in Canadian social security programs and private programs should be increased and possible impacts.

Description: Article discusses how middle class Americans are doing in saving for retirement, sources of incomes and results of the Survey of Consumer Finances.

Description: Tom Toale discusses the importance of behavioral economics

Description: How can we manage decumulation in an era of Defined Contribution plans? Marketing and incentives for annuity conversion, pooled-type retirement plans plus developing a "Social Security longevity annuity" can all be pieces of the solution.