About Pam Villarreal

Pam Villarreal is an NCPA Senior Fellow and our expert on retirement, Social Security, economic growth and tax issues.

Villarreal has written studies and analyses on specific topics such as the danger of 401(k) borrowing, Social Security disability, the expiration of tax cuts and the future of Social Security and Medicare. She authored and co-authored numerous publications on diverse topics such as medical malpractice reform, Medicaid reform, the estate tax, smart growth policies, monetary policy and teacher pay. One of her studies, “Wealth, Inheritance and the Estate Tax” was coauthored with noted economist Jagadeesh Gokhale. She also has written “The Coming Tax Tsunami” and “Would you Benefit from a Roth IRA,” among other reports.

Villarreal’s work on the NCPA’s 401(k) borrowing calculator and the negative consequences to borrowing from a 401(k) has been recognized by media throughout the country. Among those was Kathy Kristof, the award-winning personal finance columnist with The Los Angeles Times.

Villarreal routinely shares her insight with media outlets throughout the country, including The Washington Post, the Atlanta Journal-Constitution, and Newsday. She also has written commentaries that have appeared in the Washington Times and the Ft. Worth Star-Telegram, and provides interviews for radio stations in major markets.

Villarreal has bachelor’s and master’s degrees in Applied Economics from the University of Texas at Dallas.