Jules is a Principal with PFS Consulting, the Australian member of the Asia-Pacific APACS group. He has over 30 years experience in professional financial services as a fully qualified actuary, policy setter and educator. Prior to joining PFS, he spent 6 years with the IAIS in Switzerland, and prior to that he has been a partner in a ‘big 4’ accounting firm and founded and successfully developed several actuarial consulting firms. He is also currently a member of the Council of the Actuaries Institute of Australia. Jules main areas of interest include retirement incomes, risk management, operational risk, and governance, mostly in the superannuation (retirement) area. For more than 20 years, he has contributed professional capacity building, for both the actuarial profession (in universities and professionally) and for regional financial services supervisors. He has also published over 50 professional papers and delivered many training programs.