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Two Numbers. One Better Retirement.

The Two Numbers Every Member Needs

The Two Numbers Every Member Needs Personalising income projections and longevity horizons: what...

Superannuation – The Unfinished System

Why the Retirement Phase Still Lags, and What Trustees Must Do Next...

Which Clients Benefit Most from Lifetime Income Products?

Which Clients Benefit Most from Lifetime Income Products?

New evidence financial planners should consider. Financial advisers now have evidence-based guidance...

Three Surprising Barriers to Lifetime Income Adoption

Why Lifetime Income Still Isn’t Scaling The retirement income landscape in Australia is undergoing...

From Principle to Practice: Why Trustees Are Moving Now

Principle 9: Why Trustees Should Act Now on Retirement Income

Australia’s superannuation industry stands at a defining moment. Treasury’s proposed Best Practice...

Key Insights from ASFA CONFERENCE 2025 Retirement Sessions

Beyond Money. Key Insights from ASFA 2025

The retirement income landscape is shifting dramatically, and this year’s ASFA Conference...

Treasury's Best Practice Principles: A Roadmap for Better Retirement Outcomes

Treasury’s Best Practice Principles: A Roadmap for Better Retirement Outcomes

The Australian superannuation industry stands at a critical juncture. With over 2.5...

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

This series has examined the confidence crisis facing Australian retirees and the...

The Housing Wealth Divide Redefining Retirement Security

The Housing Wealth Divide Redefining Retirement Security

In our previous article, we explored the confidence crisis facing Australian retirees...

Why Half of Australians Don’t Feel Confident About Retirement

Why Half of Australians Don’t Feel Confident About Retirement

Approximately 2.5 million Australians are projected to move into the retirement phase...

300 Years of De Moivre: The Father of Modern Retirement Planning

300 Years of De Moivre: The Father of Modern Retirement Planning

This year marks 300 years since Abraham de Moivre published a mathematical...

How Long Do Australians Really Live – and Why It Matters for Member Outcomes.

How Long Do Australians Really Live – and Why It Matters for Member Outcomes

For many Australians approaching retirement, the question isn’t just “how much do...

Which Clients Benefit Most from Lifetime Income Products?

Which Clients Benefit Most from Lifetime Income Products?

New evidence financial planners should consider. Financial advisers now have evidence-based guidance...

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

This series has examined the confidence crisis facing Australian retirees and the...

The Housing Wealth Divide Redefining Retirement Security

The Housing Wealth Divide Redefining Retirement Security

In our previous article, we explored the confidence crisis facing Australian retirees...

Why Half of Australians Don’t Feel Confident About Retirement

Why Half of Australians Don’t Feel Confident About Retirement

Approximately 2.5 million Australians are projected to move into the retirement phase...

300 Years of De Moivre: The Father of Modern Retirement Planning

300 Years of De Moivre: The Father of Modern Retirement Planning

This year marks 300 years since Abraham de Moivre published a mathematical...

How Long Do Australians Really Live – and Why It Matters for Member Outcomes.

How Long Do Australians Really Live – and Why It Matters for Member Outcomes

For many Australians approaching retirement, the question isn’t just “how much do...

Is ‘Set and Forget’ Setting Retirees Up to Fail ?

Is ‘Set and Forget’ Setting Retirees Up to Fail?

Imagine spending 40 years quietly enabling someone to avoid thinking about retirement...

Why Longevity Literacy Helps Financial Advisers Improve Retirement Outcomes

Why Longevity Literacy Helps Financial Advisers Improve Retirement Outcomes

Just as no investment recommendation should be made without considering risk and...

200 Years of Gompertz: Why Mortality Math Still Matters

The Formula That Changed Retirement

This year marks the bicentennial of Benjamin Gompertz’s groundbreaking paper, On the...

How Advisers Can Tackle Longevity Risk.

How Advisers Can Tackle Longevity Risk

The “Longevity Equation” represents one of retirement planning’s most significant challenges: how...

How Innovative Retirement Income Streams Compare to CPI-linked Annuities

How Innovative Retirement Income Streams Compare to CPI-linked Annuities

Case Study: Exploring Outcomes for a 70-Year-Old Retiree CPI-linked lifetime annuities offer...

Why Women Face Higher Retirement Risk – and What You Can Do About It

Why Women Face Higher Retirement Risk – and What You Can Do About It

The Longevity Gap Women, on average, tend to outlive men and often...

Two Numbers. One Better Retirement.

The Two Numbers Every Member Needs

The Two Numbers Every Member Needs Personalising income projections and longevity horizons: what the...

Superannuation – The Unfinished System

Why the Retirement Phase Still Lags, and What Trustees Must Do Next On...

Three Surprising Barriers to Lifetime Income Adoption

Why Lifetime Income Still Isn’t Scaling The retirement income landscape in Australia is undergoing a...

From Principle to Practice: Why Trustees Are Moving Now

Principle 9: Why Trustees Should Act Now on Retirement Income

Australia’s superannuation industry stands at a defining moment. Treasury’s proposed Best Practice Principles...

Key Insights from ASFA CONFERENCE 2025 Retirement Sessions

Beyond Money. Key Insights from ASFA 2025

The retirement income landscape is shifting dramatically, and this year’s ASFA Conference made...

Treasury's Best Practice Principles: A Roadmap for Better Retirement Outcomes

Treasury’s Best Practice Principles: A Roadmap for Better Retirement Outcomes

The Australian superannuation industry stands at a critical juncture. With over 2.5 million...

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

This series has examined the confidence crisis facing Australian retirees and the housing...

The Housing Wealth Divide Redefining Retirement Security

The Housing Wealth Divide Redefining Retirement Security

In our previous article, we explored the confidence crisis facing Australian retirees and...

Why Half of Australians Don’t Feel Confident About Retirement

Why Half of Australians Don’t Feel Confident About Retirement

Approximately 2.5 million Australians are projected to move into the retirement phase within...

300 Years of De Moivre: The Father of Modern Retirement Planning

300 Years of De Moivre: The Father of Modern Retirement Planning

This year marks 300 years since Abraham de Moivre published a mathematical treatise...

How Long Do Australians Really Live – and Why It Matters for Member Outcomes.

How Long Do Australians Really Live – and Why It Matters for Member Outcomes

For many Australians approaching retirement, the question isn’t just “how much do I...

The First Triennial Review: A Critical Moment for Retirement Income Strategies

The First Triennial Review: A Critical Moment for Retirement Income Strategies

The Australian superannuation system stands at a pivotal juncture. After decades of focusing...

Two Numbers. One Better Retirement.

The Two Numbers Every Member Needs

The Two Numbers Every Member Needs Personalising income projections and longevity horizons: what the...

300 Years of De Moivre: The Father of Modern Retirement Planning

300 Years of De Moivre: The Father of Modern Retirement Planning

This year marks 300 years since Abraham de Moivre published a mathematical treatise...

How Long Do Australians Really Live – and Why It Matters for Member Outcomes.

How Long Do Australians Really Live – and Why It Matters for Member Outcomes

For many Australians approaching retirement, the question isn’t just “how much do I...

The First Triennial Review: A Critical Moment for Retirement Income Strategies

The First Triennial Review: A Critical Moment for Retirement Income Strategies

The Australian superannuation system stands at a pivotal juncture. After decades of focusing...

Illustration of a medieval monastery representing lifetime care under corrodies

Corrodies: A Medieval Precursor to Modern Annuities

Centuries before modern pensions, corrodies offered lifetime care in exchange for a one-time...

Is ‘Set and Forget’ Setting Retirees Up to Fail ?

Is ‘Set and Forget’ Setting Retirees Up to Fail?

Imagine spending 40 years quietly enabling someone to avoid thinking about retirement and...

Why Longevity Literacy Helps Financial Advisers Improve Retirement Outcomes

Why Longevity Literacy Helps Financial Advisers Improve Retirement Outcomes

Just as no investment recommendation should be made without considering risk and volatility,...

200 Years of Gompertz: Why Mortality Math Still Matters

The Formula That Changed Retirement

This year marks the bicentennial of Benjamin Gompertz’s groundbreaking paper, On the Nature...

How Advisers Can Tackle Longevity Risk.

How Advisers Can Tackle Longevity Risk

The “Longevity Equation” represents one of retirement planning’s most significant challenges: how to...

How Innovative Retirement Income Streams Compare to CPI-linked Annuities

How Innovative Retirement Income Streams Compare to CPI-linked Annuities

Case Study: Exploring Outcomes for a 70-Year-Old Retiree CPI-linked lifetime annuities offer predictable,...

Why Women Face Higher Retirement Risk – and What You Can Do About It

Why Women Face Higher Retirement Risk – and What You Can Do About It

The Longevity Gap Women, on average, tend to outlive men and often have...

The Longevity Conversation: The Missing Link in Retirement Advice

The Longevity Conversation: The Missing Link in Retirement Advice

In the complex landscape of retirement planning, one question towers above all others:...

Two Numbers. One Better Retirement.

The Two Numbers Every Member Needs

The Two Numbers Every Member Needs Personalising income projections and longevity horizons: what...

Superannuation – The Unfinished System

Why the Retirement Phase Still Lags, and What Trustees Must Do Next...

Which Clients Benefit Most from Lifetime Income Products?

Which Clients Benefit Most from Lifetime Income Products?

New evidence financial planners should consider. Financial advisers now have evidence-based guidance...

Three Surprising Barriers to Lifetime Income Adoption

Why Lifetime Income Still Isn’t Scaling The retirement income landscape in Australia is undergoing...

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

The Gender Retirement Gap: Why Women Face Disproportionate Challenges

This series has examined the confidence crisis facing Australian retirees and the...

The Housing Wealth Divide Redefining Retirement Security

The Housing Wealth Divide Redefining Retirement Security

In our previous article, we explored the confidence crisis facing Australian retirees...

Why Half of Australians Don’t Feel Confident About Retirement

Why Half of Australians Don’t Feel Confident About Retirement

Approximately 2.5 million Australians are projected to move into the retirement phase...

300 Years of De Moivre: The Father of Modern Retirement Planning

300 Years of De Moivre: The Father of Modern Retirement Planning

This year marks 300 years since Abraham de Moivre published a mathematical...

How Long Do Australians Really Live – and Why It Matters for Member Outcomes.

How Long Do Australians Really Live – and Why It Matters for Member Outcomes

For many Australians approaching retirement, the question isn’t just “how much do...

The First Triennial Review: A Critical Moment for Retirement Income Strategies

The First Triennial Review: A Critical Moment for Retirement Income Strategies

The Australian superannuation system stands at a pivotal juncture. After decades of...

Illustration of a medieval monastery representing lifetime care under corrodies

Corrodies: A Medieval Precursor to Modern Annuities

Centuries before modern pensions, corrodies offered lifetime care in exchange for a...

Is ‘Set and Forget’ Setting Retirees Up to Fail ?

Is ‘Set and Forget’ Setting Retirees Up to Fail?

Imagine spending 40 years quietly enabling someone to avoid thinking about retirement...

Which Clients Benefit Most from Lifetime Income Products?

Which Clients Benefit Most from Lifetime Income Products?

New evidence financial planners should consider. Financial advisers now have evidence-based guidance on...

Three Surprising Barriers to Lifetime Income Adoption

Why Lifetime Income Still Isn’t Scaling The retirement income landscape in Australia is undergoing a...

300 Years of De Moivre: The Father of Modern Retirement Planning

300 Years of De Moivre: The Father of Modern Retirement Planning

This year marks 300 years since Abraham de Moivre published a mathematical treatise...

How Long Do Australians Really Live – and Why It Matters for Member Outcomes.

How Long Do Australians Really Live – and Why It Matters for Member Outcomes

For many Australians approaching retirement, the question isn’t just “how much do I...

Welcome to the Optimum Pensions Lifespan Calculator

Welcome to the Optimum Pensions Lifespan Calculator

The Big Question in Retirement Planning: How Long Should My Retirement Income...

David Orford has a Dream of Lifetime Income Streams for all Australians.

I have a Dream of Lifetime Income Streams for all Australians…

A dream which will soon be a reality when our innovative lifetime...

Meet Peter Rowe – ASFA’s Newest Life Member

Meet Peter Rowe – ASFA’s Newest Life Member

Australia’s peak superannuation body, the Association of Superannuation Funds of Australia (ASFA),...

Optimum Pensions Double Winner in Plan For Life Excellence Awards

Optimum Pensions Double Winner in Plan For Life Excellence Awards

Optimum Pensions has proudly taken home two awards in the 2020 Plan...

A playlist to celebrate life

A playlist to celebrate life

Music really is medicine for the soul. There is no more important time...

Seasons Greeting from David Orford

Seasons Greetings

What do pensions and Christmas have in common? Among the Christian community,...

Summer Reading

Summer Reading

2019 was the year the Government announced a review into the retirement...

Optimum Pensions Recognised at The Plan for Life Longevity Cover Awards

Optimum Pensions Recognised at The Plan for Life Longevity Cover Awards

With retirement income stepping into the government spotlight and superannuation funds now sitting...

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