In Episode 3 of Retirement in America, National Institute on Retirement Security Executive Director Dan Doonan sits down with Alaska State Representative Chuck Kopp—a former police chief and one of the leading architects of Alaska's effort to reform its public retirement system—to explore how one policy decision transformed the state's workforce.

Nearly two decades after Alaska became the only state in the nation to eliminate traditional pensions for most newly hired public employees, the state now faces severe shortages of teachers, law enforcement officers, firefighters, and other essential workers. Kopp explains how retirement benefits influence recruitment and retention, why experienced employees are leaving for states that still offer pensions, and how high turnover affects taxpayers, public services, and even student outcomes.

The conversation also examines Alaska's bipartisan effort to create a new shared-risk retirement plan—not a return to the state's former pension system, but a modern retirement design that combines elements of traditional pensions and defined contribution plans while sharing risk among employees, employers, and retirees. Although the legislation was ultimately vetoed by the governor, supporters plan to continue pursuing the proposal.

Topics covered include:

• Why Alaska faces some of the nation's most severe public workforce shortages
• How retirement benefits affect the recruitment and retention of teachers, police officers, firefighters, and other public employees
• The hidden costs of employee turnover for taxpayers and government services
• Why teacher turnover affects student learning and community stability
• Alaska's unique retirement challenges as one of the few states where many public employees are not covered by Social Security
• How lawmakers designed a fiscally responsible shared-risk retirement plan instead of simply restoring the old pension system
• Why the proposal attracted bipartisan support—and what comes next

Whether you're interested in retirement policy, workforce challenges, education, public safety, or state government, this conversation offers a compelling look at how retirement policy can shape the strength of communities and the delivery of essential public services.

More information: www.nirsonline.org

In Episode 2 of Retirement in America, National Institute on Retirement Security Executive Director Dan Doonan discusses this complex topic with Ken Dychtwald, founder and CEO of Age Wave and one of the nation's leading experts on aging, longevity, and retirement. Together, they explore how increasing life expectancy is reshaping retirement, work, healthcare, and financial security.

Ken discusses why he calls today's demographic transformation the "longevity revolution," how retirement has evolved into an entirely new stage of life, and why many Americans may be underestimating the challenges of financing decades in retirement. The conversation also examines the importance of health, social connection, purpose, and guaranteed retirement income in creating a secure and fulfilling retirement.

Ken and Dan look at innovative ideas for helping older Americans remain engaged and connected, including Ken's vision for an "AmeriCorps for older adults."

Topics covered include:

• How longer lifespans are changing retirement
• The future of work in an aging society
• Retirement income and financial security
• Health, well-being, and purpose in retirement
• The role of pensions and guaranteed income
• New ideas for supporting older Americans in the years ahead

Whether you're planning for retirement, already retired, or interested in the future of aging in America, this conversation offers valuable insights into one of the most significant demographic shifts of our time.

More information: www.nirsonline.org and https://agewave.com/who-we-are/the-team/ken-dychtwald/

Together, they explore how the retirement landscape in America has changed dramatically over the past several decades — from the decline of pensions to the rise of individual savings responsibility and the financial challenges facing millions of workers today.

Deb shares insights from her career in aging and retirement policy, discusses the opportunities and risks that come with longer life expectancy, and explains why retirement today requires a different mindset than it did for previous generations. The conversation also examines practical solutions that could strengthen retirement security and help more Americans prepare for the future with confidence. Topics include:

• The changing retirement landscape in America
• Longevity and financial security
• The shift from pensions to individual savings plans
• Retirement policy and workplace solutions
• The biggest challenges facing future retirees
• Lessons from Deb Whitman’s book The Second Fifty