Description: Symposium session on Emerging Definitions of Retirement.

Description: The paper will focus on two broad areas, integration of insurance products with investment products to mitigate the risk of outliving one’s assets in post-retirement financial planning. Modeling and pricing for the longevity risk in the secondary market in insurance.

Description: Explores SOA and other research on shocks and unexpected expenses. Discusses impact of shocks and strategies for responses. Includes many focus group quotes.

Description: Charts for the Housing Wealth Effects, Boomer Refinancing, Housing Debt, and Retirement Saving Adequacy—1989-2007 monograph.

Description: This presentation concentrates on the regression analysis of three waves of data 2001, 2003, and 2005 from the Consumption and Activities Mail Survey CAMS. The CAMS collects consumption data from a random subset of respondents in the Health and Retirement Study HRS . The HRS is a nationally representative sample of persons who were aged 51 to 61 in 1992 and their spouses or partners. The survey is longitudinal in nature, with the baseline interview conducted in 1992 and subsequent waves occurring every two years. [Comments on long-term care needs and reverse mortgages will be offered at oral presentation without quantitative data.] From 'Needs and Spending in Retirement: Unraveling the Mystery' Symposium, Washington, D.C. October 2007.

Description: 'This paper looks at the issue of the timing the commencement of income annuities from the perspective of a real life client scenario.' From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: This paper sets forth challenges presented by an aging society with a focus on the situation of the individual and the implications for actuaries. From Retirement Needs Framework, M-RS00-1.

Description: Explores SOA and other research on shocks and unexpected expenses. Discusses impact of shocks and strategies for responses. Includes many focus group quotes.

Description: Discussant comments for the 2009 Housing Wealth monograph paper, “The Impact of Diminishing Wealth on Future Consumption: How Housing Wealth Affects Retirement Planning.” The goal of the paper is to help financial professionals and plan sponsors recognize that retirement planning is being influenced by new factors and suggests ways they can readjust retirement planning strategies. The discussant has additional suggestions for financial professionals.

Description: Monograph about how reverse mortgages could supplement income for older homeowners. The results indicate that reverse mortgages may offer substantial benefits but at a high price.