Fred Vettese is an actuary whose entire career has been focused on Canada’s retirement income system. For 27 years, he was chief actuary of Morneau Shepell (now Lifeworks). In the last ten years, his focus has shifted from helping plan sponsors manage their defined benefit pension plans to helping individual Canadians prepare for retirement. He has written over 100 articles for the Globe and Mail and National Post as well as four books on retirement planning. In particular, Vettese is the author of the best-selling Retirement Income for Life, a book that helps retirees turn their life savings into secure income.