Dr Celestyna Galicki is the Research Lead in the New Zealand Retirement Commission (Commission for Financial Capability). She leads research on the effects of retirement income policies, evaluation of financial education initiatives, financial inclusion and consumer behaviour. She supports New Zealand's National Strategy for Financial Capability by providing research and insights to stakeholders. The Commission's research reports can be found at: https://cffc.govt.nz/reviews-and-reports/research-and-reports/