Description: This article focuses on personal experiences and observations, what risk managers say about emerging risks, how climate and emerging risks fit into the bigger retirement picture for the individual, and how they affect actuaries and plan sponsors. During the last few years, there has been an increasing concern about the impact of emerging risks and about concerns about them. Climate change is a top emerging risk. At the end of 2022, climate change was highlighted in the news as a major concern. At the 2022 annual meeting of the SOA, it was clear that actuaries accepted the importance of climate change and the need to think about how it affected many areas of practice. It is however clear that disruption can also come from other emerging risks. This article focuses on the broader picture of emerging risks but with more detail about climate change. It looks at the issues through SOA research, personal experience and other data to provide a big picture insight into these risks and retirement security.