• Publications

Stuff we wrote

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Too Dovish on Debt?

Despite a GDP/Debt ratio that reached a modern high-water mark of 128% in September 2020, many economists and policy makers are dismissive of concerns about continuing to accumulate high deficits.  This paper calls this prevailing attitude into question.  In it we discuss:

  • The exclusion of unfunded liabilities and why America’s true indebtedness is multiples of estimated $28 trillion in debt by year-end 2020
  • The notion that the current elevated level of spending is temporary is illusory; critical, unbudgeted needs means spending will decrease once we emerge from the COVID crisis
  • The impact of current policy on income inequality and the inevitable return of inflation (eventually)

The Future of Aging in Place:  How connected devices and AI will transform support for older adults and their caregivers

The vast majority of older adults want to remain in their homes as long as possible.  Technology will transform aging in place for both older adults and their caregivers. This paper will examine:

  • the drivers of aging in place
  • the current state of housing and improvement opportunities
  • the importance of caregiving
  • current technology used to aid aging in place and challenges to optimization
  • what a future technology platform might look like
  • market opportunities for technology and non-technology companies (and who might pick up the tab)

Insurance 2025:  Highly integrated smart contracts

This white paper examines how blockchain, IoT, and AI might be woven together to create a platform that enables highly integrated smart contracts. Such a platform would enable insurers to mitigate claim events, slash operating costs, and improve the customer experience. It would also create new revenue streams for insurers allowing them to expand their role beyond risk transfer counter-party to become an embedded, high-value partner.

Why Are Income Annuities Under Utilized?

As lifespans increase and pensions disappear, income annuities should feature more prominently in retirement portfolios. Why are they underutilized? This article discusses 2 common objections and illustrates how modeling the use of income annuities in portfolios might help overcome them..

Bridging the Age Gap: Maximizing Social Security Income

The most effective way to increase retirement income is to delay collecting Social Security. This article discusses how a simple approach to bridge the time between retirement and the optimal age to begin collecting Social Security can increase Social Security income by more than 75%.

Market Insights:  Helping Tomorrow’s Retirees Better Prepare Today

I conducted a survey of 400 defined contribution plan participants. This white paper analyzes the findings with respect to actual versus perceived retirement preparedness and explores the opportunities for investment and retirement plan providers

Behold!  The Mortality Credit

Originally published in Life&Health Advisor, this article explains what mortality credits are and how they can be used in immediate annuities to help mitigate the risk of outliving one’s assets.  It includes an illustration of portfolios with and without immediate annuities and examines their impact on retirement income security and assets available for heirs

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