Annette is a health actuary focusing primarily on providing health actuarial services to state and federal agencies. She is a well-respected speaker on topics relating to health insurance, regulation, and professionalism and has authored professional articles on topics ranging from the ACA to the future of insurance. Annette has devoted many years to public service, serving as lead actuary for the Nevada Division of Insurance for 14 years (2006-2020), where she was a key member of a multiagency task force charged with implementing the Affordable Care Act (ACA) in Nevada and led Nevada's review of options to stabilize the ACA market. Prior to her regulatory role, Annette was an employee benefits consulting actuary. She is the Vice President of health and Board member of the American Academy of Actuaries, and the inaugural chair of the Academy's Health Equity Committee (HEC), which was established to study health equity, assess whether actuarial practice may be perpetuating or contributing to health disparities, and facilitate solutions to health disparities and is a former chair of the Academy's Diversity, Equity and Inclusion Committee Annette has also participated on the task forces to update ASOPs 5, 42, 11 and 28 (which she chaired) and is the chair of the health committee of the actuarial standards board.