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Board hears actuarial proposal to tie supplemental‑COLA amortization to investment credits, asks staff for formal policy

San Francisco Retirement Board · February 11, 2026
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Summary

Chiron actuaries presented a proposed change tying supplemental‑COLA amortization length (5–10 years) to realized investment‑gain credits to avoid situations where retirees receive supplemental increases while active members face higher contribution rates. Board directed staff to return with a formal policy amendment for the next meeting.

The San Francisco Retirement Board received a technical presentation from Chiron actuaries about a possible change to the system’s amortization methodology for supplemental cost‑of‑living adjustments (COLAs).

Bill Hallmark of Chiron explained the problem the current method creates: when a supplemental COLA is granted and the associated liability is amortized over five years while investment gains are smoothed into…

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