Theo Kocken is a veteran economist and entrepreneur. He has 25 years of experience in the financial industry with a focus on pensions. Kocken is professor of Risk Management at VU University Amsterdam and founder of the Anglo-Dutch risk management firm Cardano. His aim is to make financial decision making less of a gamble (with potentially disastrous results) and more focused on stabilising lifelong income for young people, entrepreneurs and retirees. As chairman of Cardano Insights, he and his colleagues also support innovative financial insurance products such as drought insurance and currency insurance in over 50 developing countries. Education is integral to Theo’s work.