Description: The article presents descriptions of the July, 2015, newsletter articles, and the author suggests topics where future articles are welcome.

Description: This paper discusses the Total Career Benchmark Model, consistent with Retirement 20/20 principles, focuses on reconstructing and maintaining a consistent and reasonable sharing of risks and rewards amongst the four stakeholders: Individuals, Society, Employers and the Markets. Modern technology provides the necessary tools. A series of benchmarks are used for tax limits, target pensions, accrual to date etc. The self adjusting, consistent benchmarks under the TCB Model, means that all stakeholders speak the same language. Individuals and Employers can easily compare what they have to what they need – and more importantly can see how to accrue what is needed. An individual’s ability to tax shelter income over a career is not dependent on the design of any employer pension plan. All funds allocated to an individual remain the individual’s and are not used to subsidize another person – except for the inherent risk sharing of an annuity – by hidden transfers of value.

Description: Responding to Sandy Mackenzie's "Report", these comments primarily suggest additional disclosures for assessing public pension plan financial heath.

Description: This article provides an in-depth discussion of how subsidies are an integral part of affordability for individual health insurance under the Affordable Care Act, and, ultimately, impact the viability of the market.

Description: Feature article discussing the purpose of the SOA’s Reinsurance Section’s LEARN initiative.

Description: Congress once again turns to defined benefit pension plans as a misguided source for financing programs that have nothing to do with retirement.

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: Answering the question: Do you think that genetic information is different, and if so, should insurers handle it differently from other medical information?

Description: Book review: George W. Bush memoir

Description: This Call For Papers promotes the Tenth International Longevity Risk and Capital Markets Solutions Conference 3rd and 4th of September, 2014 at the Universidad Diego Portales in Santiago, Chile. The key theme of Longevity 10 is “Why longevity risk transfer makes economic sense [for insurers and investors]