The following is written testimony delivered to the United States Senate Subcommittee on Economic Policy on April 5, 2017.

Momentum is gathering in the Wolverine State to replace its defined-benefit pension systems with 401(k) style plans.

Financial literacy has to become a basic element of the U.S. educational system.

Democrats take the lead on efforts to create a post-blue retirement model.

With enough diligence, care, and good luck, the Golden State may be able to avert a genuine crisis.

Telemedicine is taking off. It could be the key to solving several of America’s most pressing challenges.

Unfortunately, they don’t take their logic far enough.

Blue states are experimenting with new ways to make retirement secure in the 21st century. Red states should build on these ideas.

The American people are still caught in the transition between two different retirement systems. That needs to change, and it will.