The Retirement Management Journal, a publication of the Retirement Income Industry Association (RIIA), is devoted to the advancement of theoretically sound, practical thinking for retirement-income planning and management. RIIA provides the space, discussions, communications, research, education, and standards that derive from its unique perspective – the View Across the Silos – to help investors, distributors, and manufacturers in the financial industry transition from Investment Accumulation to Retirement Management and Income Protection.