Q4 2021 6 7 Dispatches Contributors Letter From the Editor Letter From the Board 8 A World of ESG Views and Preferences Phillips Curve 10 12 15 16 18 21 31 32 The Annuity ATM Ivory Towers How to Use Annuities in Retirement Policy Guaranteed Income for Retirees Sustainability Matters Bringing Structure to ESG DEI For Women, Issues Remain in Workplace Global Briefs Americas Greater Europe Australia & New Zealand Spotlight 35 Safe and Sound How advisors can help clients assemble a secure retirement income solution. 41 Guidelines on Making the Annuity Decision 3