Ross Clare has degrees in Economics and Law from the Australian National University. Prior to joining the staff of the Association of Superannuation Funds of Australia (ASFA) he held senior positions with the Australian Treasury and an Australian Government research agency. Ross is the Director of Research at ASFA. An important part of this work has related to adequacy of incomes in retirement. He initiated the publication by ASFA of Retirement Budget Standards which indicates the level and breakdown of expenditure required to support either a modest or comfortable lifestyle in retirement.