Description: Protecting oneself in older age from risks is the sine qua non of retirement planning. But far too many people don’t approach retirement (or retirement planning) well. From a policy perspective, we know about half the senior population will have some sort of long-term care event. We need to recognize that long-term care risk is a component not just of aging but of retirement. Placing long term care solutions in the retirement space is critical to reaching the bulk of the population. Combined with the additional element—recognition of risk—this would be both a powerful protection but also a natural one for individuals to understand.

Description: This essay talks about gender differences that affect retirement security and reviews lessons from SOA research. It provides advice for women including traps to avoid. Issues consider include differences in life spans, widowhood, divorce, differences in care patterns and caregiving.

Description: Argues that most retirees face multiple financial risks that need to be considered simultaneously so that limited resources can be applied in a manner that is rational and satisfying. A specific procedure for developing such an individualized risk strategy is described.