How and when we retire is changing in the U.S. as the workplace shifts to defined contribution plans rather than traditional pensions. Looking at the challenges from an actuary's point of view can help us deal with this major shift.

These defined benefit plans allow for enough savings and have portability, according to a study from the National Institute on Retirement Security

As U.S. families get poorer, one in 10 children rely on a safety net meant mostly for their grandparents.

Millennials dont trust the banks. And besides, a lower rate isn't always worth giving up flexibility.