Independent consulting · Retirement income
Retirement income advice for superannuation funds and life insurers.
I advise trustees and executives on retirement income strategy, product design and the Retirement Income Covenant – with the actuarial depth to price it and the technical skill to build it.
Services
What I do.
Retirement income strategy
Design, review and governance of retirement income strategies under the Covenant: member segmentation and cohorts, product and advice frameworks, income layering and member preferences.
Product design
Lifetime income, investment-linked annuities and account-based pensions: mortality pooling, longevity risk, pricing and capital, from concept through to selection.
Regulatory readiness
The Retirement Income Covenant, APRA prudential standards including SPS 515, the Retirement Reporting Framework, RG 276 calculator relief and RG 277 remediation.
Calculators and member tools
Digital advice, retirement illustrators, projection engines and APIs under RG 276, designed, specified and built alongside your delivery teams. Specialising in modern workflows built for the AI era.
Member outcomes measurement
Stochastic member outcomes modelling, retirement income metrics and solution assessment frameworks (including longevity product provider selection) that stand up to trustee and regulator scrutiny.
Approach
Why work with me.
Actuarial depth.
A Fellow of the Institute of Actuaries of Australia (Investments) who has held direct accountability for annuity pricing, capital strategy and product design inside a life insurer.
Regulatory fluency.
Advising trustees on retirement income since before the Covenant's commencement, and on the prudential rules and guidance that sit around it.
I build what I advise.
Hands-on in software and applied AI, so strategy arrives with a working tool that members can use, not only a recommendation.
Track record
Selected work.
Retirement Help Suite
Savings and income calculators for one of Australia's largest industry funds, which was named Retirement Offering of the Year and Best Digital Offering (SuperRatings 2025).
FIRE API
Deloitte's Flexible Interactive Retirement Estimate: ASIC-compliant, personalised retirement income projections at scale under RG 276.
Retirement Solutions Assessment Framework
Used across the industry by funds evaluating retirement income solutions against their Covenant obligations.
Rapid Retire
An account-based pension, lifetime income and the Age Pension layered into one projection; strong industry feedback, including from Treasury.
Policy submissions
Led Deloitte's 2024 submission to Treasury on the retirement phase of super, and EY's submissions to Treasury and the Financial System Inquiry (2014) on retirement income, as well as a series of individual submissions on the CIPR Framework and the Retirement Income Covenant.
04 · Contact
Start a conversation.
Currently advising superannuation funds and life insurers on retirement income strategy and product design. I'd welcome a conversation.