Don’t do anything and cut benefits or increase taxes in 2035. Or, we could partner with corporate America to provide annuities while these corporations take on risk to maximize return on investments. This would be backed by the government in case a company went out of business. Other possibilities are: increase the full retirement age over time, adjust the payroll tax cap, reduce benefits for high value individuals, and/or stop taxing Social Security benefits. There is no perfect solution but something must be done sooner than later.