Keith Welks is Senior Advisor to the State Treasurer in the Pennsylvania Treasury Department. In this role he is working on several discrete projects, including the Keystone Saves retirement initiative championed by State Treasurer Stacy Garrity.

Public-private partnerships are an area of rich innovation but are not a silver-bullet solution. Even successful partnership models can be difficult to duplicate elsewhere, especially if not enough time and attention is given to recognizing the different needs of each opportunity.