Individual account retirement plans are employment-based defined contribution plans and IRAs. And they're growing.

Some can't afford to insure their children. Others are seeking cheaper care abroad. Some older adults are counting down the years until they qualify for Medicare.

In between jobs? Joined the gig economy? "Aging off" your parents' health plan? Early retiree and not yet eligible for Medicare? These are…

Katie Smith is the first chief ethics and compliance officer at Convercent, and has brought with her some new ideas about how to use technology to improve E&C.