The Real Retirement: Why You Could Be Better Off Than You Think, and How to Make That Happen

Fred Vettese has been Chief Actuary of Morneau Shepell for the past 21 years; has over 30 years of experience with national actuarial consulting firms; and is editor of, and primary contributor to, Morneau Shepell's newsletter, Vision. He has written op-eds for the National Post and Globe and Mail and is frequently quoted in both newspapers. He has appeared on various radio programs including CBC's The Current. He has written many pension articles for other journals, speaks regularly at national conferences such as the Conference Board of Canada, and is a member of the C.D. Howe Pension Policy Board. Bill Morneau is Executive Chairman of Morneau Shepell. Under his leadership, the firm has grown from 150 to 2,500 employees. He is actively engaged with clients across the entire spectrum of Canadian business and government in their pension and benefit management. He sits on, and is chair of, several boards, including St. Michael's Hospital in Toronto, the C.D. Howe Institute, AGF Management Ltd. and AGF Trust Company. He holds a B.A. from the University of Western Ontario, an M.Sc. (Econ.) from the London School of Economics, and an M.B.A. from INSEAD in Fontainebleau, France.