About the Author

Jeff Graham is an economist and quantitative finance professional with experience in portfolio analytics, credit risk, financial modeling, and applied economic research. He holds a Ph.D. in Economics from UC Davis and has worked with banks, insurers, and asset managers on portfolio risk, stress testing, and financial decision-making.

LadderUp grew out of an interest in reframing retirement planning around future income liabilities rather than a target level of wealth. The project is currently an independent research effort focused on developing and testing that framework.

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