Description: This article is a response to comments on the Successful Employee Retirement Income Outcomes in the United States (SERIOUS), a comprehensive model for the delivery of employment-based retirement income.

Description: This paper responds to the comments on 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: A research paper that outlines a seamless method of deriving assumptions for modern reserving and solvency capital requirements from a company’s own data.

Description: We define what we believe a model validation should entail and the value proposition that it offers.

Description: Demographic changes around the world may present actuaries with an opportunity to tackle product development, risk management and asset allocation challenges involving financial and investment variables.

Description: This article looks at innovation, for entrepreneurs and actuarial specialists, as the combination of existing technology already available and a “distinctive and innovative business model of your own making.”

Description: Summary of research titled Understanding VM-20 Results.

Description: The future holds many changes. We've already dealt with major changes over the last few decades. This article goes through tips to embrace change effectively.

Description: Highlight of the ERM Symposium