In her testimony to the United States Senate Special Committee on Aging, Catherine Collinson, president of the Transamerica Center for Retirement Studies (TRCS) and Transamerica Institute, recommended a series of innovations that companies, individuals and policymakers could adopt to promote Americans’ retirement security. A member of the Center for the Future of Aging Advisory Board, Collinson drew on the findings of TCRS’ 2016 report, The Current State of 401(k)s: The Employer’s Perspective. The survey examines trends and future risks in funding and participation and recommends policy changes to help protect retirees. Among its findings is that while most workers expect to retire after age 65 -- or don’t plan to retire at all -- less than a quarter have a back-up plan should they be forced to retire early. Collinson makes clear that TCRS’s “Ten Step Plan to Increase Retirement Security” is based on reforming existing programs rather than expensive new initiatives.