Short-bio - Joyce W. Morgan, PhD, Bureau Chief for the Division of Retirement, Department of Management Services. She has 25+ years of private sector and public employer management with current teaching experience. Accountable for Public Policy analysis and the implementation of legislative changes concerning member enrollment and collection of contributions for the fourth largest 401(a) public pension plan in the US. Responsible for the administration of the 403(b) University System Optional Retirement Program (ORP). Adjunct Instructor at Tallahassee Christian College and Training Center, Tallahassee, FL. Dr. Morgan holds a PhD in Public Policy from Walden University, a MBA from Baker College Center of Graduate Studies, and a BS in Business from Florida State University.