Heidi Karjalainen joined the IFS in 2019. She is currently a Senior Research Economist working in the Retirement, Savings, and Ageing sector. Her current work includes research on pensions policy, saving for retirement, and health and cognition among older people. She is also one of the authors of the IFS Pensions Review, a multi-year project on the UK pension system and of the future of financial security in retirement. Before joining the IFS Heidi worked in the private sector in infrastructure financing.