For more than 40 years, Steve Vernon, FSA, has analyzed, researched, and communicated about the most difficult retirement topics, including finances, health and lifestyle. He worked in the private sector for 30 years as a consulting actuary with Watson Wyatt and Mercer, helping Fortune 1000 employers manage and communicate their retirement programs. During that time, he worked on the front lines of the extraordinary shift that's taken place in retirement plans, as employers switched from traditional, defined benefit pension plans to 401(k) and other defined contribution plans. Steve has served for more than seven years in his encore career as a research scholar at the Stanford Center on Longevity. Steve is also president of Rest-of-Life Communications, a company he founded that delivers retirement planning workshops and conducts retirement education campaigns. He has never sold insurance, annuities or investments, which enables him to be unbiased in his writing and recommendations. Steve writes a regular column for Forbes.com where he addresses the critical topics facing people in retirement. A Fellow in the Society of Actuaries, Steve graduated summa cum laude from the University of California, Irvine, with a double major in mathematics and social science. Steve lives in Oxnard, California, with his wife, Melinda, where they're following the advice from his books for their own retirement and rest-of-life. For more information, visit www.restoflife.com.