That Annuity Show

Since passage of the SECURE Act, we've all been talking a lot more about the institutional annuity market. However, Tamiko Toland with CANNEX has been working hard to build this business for a long time. Today we talk with her about the real opportunities and obstacles to bringing guaranteed income to a wider segment of the population. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://www.linkedin.com/in/tamiko-toland/ https://www.cannex.com/index.php/services/quantitative-research/income-annuity-education/

How many times have we discussed, debated, and loved the retirement rule of thumb known as the "4% Rule"? Today, we had the opportunity to speak with William Bengen, the creator of that exact rule. And as we learned, there are very good reasons why a seemingly simple concept like this continues to guide retirement planning today. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://www.linkedin.com/in/william-bengen-21b159196/ https://www.amazon.com/dp/0975344838/ref=cm_sw_em_r_mt_dp_59EPK0MHHYCJYAQ6JD2E

Yes, markets do run in repeating cycles. However, the best traders ask themselves, "What's different this time?" Byron Boston, CEO of Dynex Capital explains that this is the very first rule his firm uses when plotting how to navigate their portfolio through changing times. However, two large exogenous events - the pandemic & now a war - pose large risks for baby boomers hoping to turn assets into income. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://www.dynexcapital.com/about-us/leadership-team/default.aspx

We opened our digital papers a few weeks ago to read an article in AM Best News entitled, "Annuity Providers See Growth Opportunity in US Retirement Plan Changes." Who was quoted but none other than two regular guests - Martin Powell, Head of Annuity Distribution for CUNA Mutual and Bruno Caron Associate Director at AM Best. It's a big prize. Even converting a small share of the $7.3 trillion in assets in 401(k) plans to annuities would prove transformational for the industry. We decided to "double click" on the article and bring in both experts to continue the discussion. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://news.ambest.com/newscontent.aspx?refnum=239183&altsrc=114 Martin Powell: https://www.linkedin.com/in/martin-powell-4790b01a/ Bruno Caron: https://www.linkedin.com/in/bruno-caron-68a303/ https://www.amazon.com/gp/product/B08W2GWYNJ/ref=dbs_a_def_rwt_hsch_vapi_tkin_p1_i0

Few days go by without a mention in the media about the potential financial crisis faced in the next 10+ years by the Social Security system. In 2034, the surplus in trust funds is expected to be depleted. How will our government respond? Today, we speak about this challenge with David Duley, CEO and Founder of PlanGap. PlanGap empower insurers and reinsurers help consumers sleep better at night with the knowledge that their Social Security is protected. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://www.linkedin.com/in/david-duley-ab7528/ https://plangap.com/

We're all fortunate to work in an industry with a wonderful mission. How do we create more opportunities for people of color to experience the same rewards. That's the topic of today's conversation with Martin Powell, Head of Annuity Distribution and Gina Riepel Director of Strategic Accounts at CUNA Mutual Group. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: Martin Powell: https://www.linkedin.com/in/martin-powell-4790b01a/ https://portfolio.bisanet.org/Article/providing-inclusivity-and-confronting-unconscious-bias Gina Riepel: https://www.linkedin.com/in/gina-riepel-a0588741/ Industry Associations: https://www.bisanet.org/page/Diversity https://portfolio.bisanet.org/Article/providing-inclusivity-and-confronting-unconscious-bias

Why do we help people build retirement plans? To optimize cash flow? To minimize asset risk? Yes. However, these should simply be the tools that allow people to pursue their purpose in later life. Joe Jordan, speaker and best-selling author joins us again today to talk about his message that crosses countries, languages, and cultures. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://www.linkedin.com/in/josephjordan2/ https://www.josephjordan.com/ https://www.josephjordan.com/super-saver

Language is powerful. It's exceptionally powerful in the highly regulated world of retirement planning. Michelle Richter, Principal at Fiduciary Insurance Services joins us today to give us a lesson in regulatory grammar and how recent new rules from the Department of Labor may change them. Also, do you want to get regular update s on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://www.linkedin.com/in/michelle-richter/ https://www.linkedin.com/posts/michelle-richter_smaller-firms-may-not-be-ready-for-dol-fiduciary-activity-6894979699173666816-Ymo5 https://fiduciaryinsuranceservices.com/fis-glossary/

The cast of That Annuity show is proud to report that our retirement podcast, was recognized as one of the "Fifteen Must-Listen Podcasts" by WealthManagement.com. We really want to thank all the great guests in 2021 who made this possible. In particular, we want to give a big shout-out and thanks to Terry Heys, Annuity Gator for nominating us for this honor! Thanks to our sponsors, The Index Standard, CUNA Mutual Group, SE2 and Nassau Financial Group. And thanks to you, our listeners. Also, do you want to get regular updates on news about guests of our show? Subscribe to our newsletter, below. Links mentioned in this show: https://www.wealthmanagement.com/careers/fifteen-must-listen-financial-podcasts https://thatannuityshow.com/2021/06/10/episode-103-confidently-sorting-through-a-sea-of-indices-with-laurence-black/ https://thatannuityshow.com/2021/05/06/episode-98-aligning-all-interests-the-client-the-advisor-and-the-company-with-yale-bock/

Someone once told me that finding an answer is easy. Coming up with the right question is not. In a complex process like retirement planning, the questions our clients ask and those we ask of them can prove more powerful for the outcome than the answers we actually receive. Today, Jason Fichtner joins us to talk about the importance of framing retirement time questions properly to optimize decisions about taking Social Security. Jason is Vice President and Chief Economist at the Bipartisan Policy Center and Senior Fellow for the Alliance for Lifetime Income. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned today: https://bipartisanpolicy.org/person/jason-j-fichtner/ https://www.linkedin.com/in/jasonfichtner/ https://www.protectedincome.org/about-us/

Retirement planning conversations can easily focus only on traditional savings vehicles - 401(k)s, IRAs, money market accounts and stocks. However, home equity is an important asset that shouldn't be overlooked. Today, Don Graves, a best-selling author and President of the Housing Wealth Institute explains why every agent should be knowledgable about reverse mortgages when building plans for clients. Rapidly rising home values in the last 18 months only makes this information more valuable. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. Links mentioned in the show: www.housingweath.net [email protected]

Regulation never sleeps in our business. More states continue to enact the new NAIC model regs. And now the Department of Labor suggests it may come out with new fiduciary standards as well. How should the industry successfully navigate the shifting currents? Today, we get some great guidance from Hayley Maldonado and Eric Marhoun from the legal department at Nassau Financial Group. Hear how they view the changes and how they have started to address the changes at their company. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We want to thank our primary sponsor and my employer by day, Nassau Financial Group. We're "working harder to be your carrier of choice." We support you with best-in-class service. We seek to keep things simple and will have your back in the years to come. We're headquartered in Hartford, Connecticut with $27 billion in assets under management and serve over 500,000 policyholders. We have been doing this a long time - 170 years - but we remain humble enough to always try to improve. We hope you enjoy the show.

Yes, building a retirement plan can feel daunting. However, do you really have a good plan if you don't have a purpose? Today, we talk with Gary Sirak, Owner of Sirak Financial. Gary is also the author of "How to Retire and Not Die". Gary shares his approach to helping clients find a purpose and discover their passion in retirement. And of course, he then helps them build a retirement plan that supports their mission in later life. Also, do you want to get regular updates on news about Gary and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We want to thank our primary sponsor and my employer by day, Nassau Financial Group. We're "working harder to be your carrier of choice." We support you with best-in-class service. We seek to keep things simple and will have your back in the years to come. We're headquartered in Hartford, Connecticut with $27 billion in assets under management and serve over 500,000 policyholders. We have been doing this a long time - 170 years - but we remain humble enough to always try to improve. Links mentioned in the show: https://garysirak.com/how-to-retire-and-not-die/ Hear more from Gary: The Summit FM - The Link to your Life & Lyrics show! https://soundcloud.com/thesummitfm/life-lyrics-with-gary-and-max-sirak

Got Milk? Enjoy eating the Other White Meat? Today, meet Cyrus Bamji, Head of Communications for the Alliance for Lifetime Income. Cyrus and his team are on a mission to retell the story of annuities in an even more powerful way than those memorable ad campaigns. Get the inside story on how the Rolling Stones found the Alliance. And get the first preview of results from one of the most extensive consumer research projects in 2021. Also, do you want to get regular updates on news about Cyrus and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We want to thank our primary sponsor and my employer by day, Nassau Financial Group. We're "working harder to be your carrier of choice." We support you with best-in-class service. We seek to keep things simple and will have your back in the years to come. We're headquartered in Hartford, Connecticut with $27 billion in assets under management and serve over 500,000 policyholders. We have been doing this a long time - 170 years - but we remain humble enough to always try to improve. We hope you enjoy the show.

Any conversation about retirement ultimately revolves around health care needs and expenses. Products for seniors continue to rapidly evolve. And Medicare premiums continue to rise. What advice will you give your clients this year? Today, Jesse Slome the Director of the American Long Term Care Insurance Association, Medicare Supplement Insurance & Critical Illness Insurance Association joins us to offer his perspective. Also, do you want to get regular updates on news about Jesse and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in today's show: https://www.linkedin.com/in/jesseslome/ https://medicaresupp.org/ https://www.aaltci.org/

Knowledge is power, especially when it comes to money, savings, and planning for retirement. Today we're joined by Carson Hewett, Manager of Strategic Partnerships at Everfi and Jon Rosborough, Financial Professional Program Director for the Alliance for Lifetime Income. Live at the Rolling Stones concert in Atlanta, we talk about the great work both organizations are doing to help bring education to kids and adults. Also, do you want to get regular updates on news about Carson and Jon and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in today's show: https://everfi.com/ https://www.protectedincome.org/ https://www.protectedincome.org/for-financial-professionals/

Can a fintech solution help your clients keep their cash safe but grow it faster than a bank? Today we talk with Michael Nelskyla, founder and CEO of SAVE about his solution. Michael was a pioneer in creating custom indices for insurance products and will talk about the overlap in customer needs and expectations will change in the future. Also, do you want to get regular updates on news about Michael and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in today's show: https://joinsave.com/ref/N8499ED

Prior guests on the show have expressed a desire for someone to objectively talk about the retirement crisis and the positive role annuities can play in solving it. That person has arrived. Today, we talk with Doug Orchard, an independent film maker who is about to release "The Baby Boomer Dilemma" at a theater near you. And our guest host this week is none other than Bruno Caron. Also, do you want to get regular updates on news about Doug and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in today's show: http://dougorchard.com/wp/

What's the first thing we do today when we're about to meet with someone for the first time? We Google them. What do your clients find when they Google you? More often than not, your profile on major social media platforms like LinkedIn will come up before your own website. Today, Robert Knop, CEO of Assist You Today, joins us to talk about the steps you should take to put your best foot forward in your potential client's search results. Also, do you want to get regular updates on news about Robert and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in today's show: https://www.linkedin.com/in/robertknop/

Brace yourself for another few months of continual Medicare ads on television during open enrollment. I can almost guarantee these ads will cause one of your clients to call you with questions about their coverage. Can you answer the question? Today's guest is Ryan McMillan, Vice President of Sales for Senior and Individuals at Bankers Fidelity Life Insurance Company. Ryan will prepare you to at least help your client ask better questions this year and help them sort through a wide range of options. Also, do you want to get regular updates on news about Ryan and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.

Many older clients who need life insurance can also benefit from annuities. However, many life insurance agents feel they lack the expertise to integrate annuities into a comprehensive plan. Today, Jeff Affronti, President of FSD Financial Services shares his thoughts on how to best help life insurance agents identify opportunities for annuities and effectively present solutions to their clients. Also, do you want to get regular updates on news about Jeff and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.

Registered Index-Linked Annuities or RILAs have taken the broker-dealer market by storm over the past several years. David Hanzlik, Vice President, Annuity and Retirement Solutions at CUNA Mutual joins us to reflect on the recent growth of the product and how it may evolve over the next 2 years. Also, do you want to get regular updates on news about David and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.

How can insurance carriers build an empathetic relationship with policyholders? How do we drive innovation in a stressful time within our companies and practices? Industry veteran Maria Ferrante-Schepis joins us today to share her view of the present and her hope for the future of the business. We hope you enjoy the show. Links mentioned in the show: Maria's LinkedIn profile: https://www.linkedin.com/in/maria-ferrante-schepis-03b4031b/ Flirting With The Uninterested: Innovating In A "Sold, Not Bought" Category: https://www.amazon.com/Flirting-Uninterested-Innovating-Bought-Category/dp/1599323699/ref=sr_1_1?dchild=1&qid=1632963818&refinements=p_27%3AMaria+Ferrante-Schepis&s=books&sr=1-1 Maddock Douglas: https://www.maddockdouglas.com/our-team/maria-ferrante-schepis

Today, we catch up with one of our first guests, H. Adam Holt, CEO of Asset-Map to discuss a wide variety of topics. He gives us a sneak peak of an algorithm his firm will release that will find the hidden gaps in your client's retirement plans. We also talk about the commitment that Adam and his firm have made to supporting diversity and inclusion in the retirement advice platform ecosystem. We hope you enjoy the show. Links mentioned in the show: Adam's company: https://www.asset-map.com/ Adam and Derek's podcast: https://rethinkfinancialadvisorpodcast.blubrry.net/2021/07/01/1-rethink-change-is-coming/

Last week, we explored the psychology of building a retirement solution for a client that not only delivers results, but also adapts to the personality traits of your client. This week, in part 2 of our discussion, Dr. Wade Pfau and Alex Murguia explore how advisors and firms should change their engagement strategy and even their service offerings to meet the exact needs of each client. Also, do you want to get regular updates on news about Wade, Alex and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in this episode: The Retirement Income Advisor Challenge on October 25 and 26 will allow advisors to learn more about what the RISA is, to take it, and to learn how they can incorporate it into their firms: http://risaprofile.com/challenge Wade's new book is the Retirement Planning Challenge. The RISA is discussed in Chapter 1: https://www.amazon.com/Retirement-Planning-Guidebook-Navigating-Important/dp/194564009X/ General website for the RISA: www.risaprofile.com/

What makes a retirement recommendation not only work but also stick for you client? Could it be a combination of personality traits and beliefs about the market? We were really fortunate this week to have Dr. Wade Pfau and Alex Murguia on to discuss their research on the topic. They walk us through the tool they have built to help decode what exactly makes our clients tick. Also, do you want to get regular updates on news about Wade, Alex and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in this episode: The Retirement Income Advisor Challenge on October 25 and 26 will allow advisors to learn more about what the RISA is, to take it, and to learn how they can incorporate it into their firms: http://risaprofile.com/challenge Wade's new book is the Retirement Planning Challenge. The RISA is discussed in Chapter 1: https://www.amazon.com/Retirement-Planning-Guidebook-Navigating-Important/dp/194564009X/ General website for the RISA: www.risaprofile.com/

Carriers spend a lot of time talking about building strong policyholder relationships but how many actually have? Molly Black, Chief Product Officer at Life.io joins us today to talk about how her company makes those relationships a reality. What can we learn from their software design that we can apply to our own practices today? Also, do you want to get regular updates on news about Molly and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Thank you to our show sponsor, SE2! Links mentioned in this episode: https://www.life.io https://www.linkedin.com/in/molly-morgan-black-56b1832a/

Summer is almost over. What's the outlook for the annuity industry as we head back to our (virtual) offices? Sheryl Moore is the perfect guest to provide us with predictions and savvy forecasts. She graciously joins us today to talk about changes in carrier ownership, product design changes and regulatory evolution. Also, do you want to get regular updates on news about Sheryl and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in this episode: https://www.winkintel.com/ https://www.linkedin.com/in/sheryljmoore/

How do you create more income with less market risk and lower fees and income taxes than traditional retirement income plans for your client? Jerry Golden, President & CEO at Golden Retirement joins us today to talk about Go2Income and the service that his tools provide for advisors that do just that. Also, do you want to get regular updates on news from Jerry and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Special thanks to Bruno Caron for joining us as a co-host! Links mentioned in this episode: https://www.go2income.com/IncomePlanning.html https://www.linkedin.com/in/jerrysgolden/ Find Bruno's book here: https://www.amazon.com/Lifetime-Income-Retire-Strength-associated/dp/1082296244

Healthcare typically is the biggest expense facing retirees. However, can you help you help your clients navigate the complexities of Medicare, Medicare Advantage and Medicare Supplement plans? I'm sure we will all get a lot of questions from clients as open enrollment begins in a few short weeks. To get a little smarter on the topic, we invited an expert on the industry to our show. Terence Martin, Head of Life, Annuities, and Healthcare Research at Conning joins us today to talk about consumer choices and macro industry trends in the senior healthcare market. Also, do you want to get regular updates on news from Terry Martin and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in this episode: https://www.conning.com/insurance-research

The regulators make us attest we know our clients. However, do we really know what makes them tick? Dr. Preston Cherry joins us today to discuss personality models and how they can improve how we deliver advice. Also, do you want to get regular updates on news from Dr. Cherry and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in this episode: https://www.uwgb.edu/csb/faculty-staff/preston-cherry/ https://www.concurrentfp.com/financial-planner-dr-preston-cherry

How can we create more happy retirement planning clients? Tom Hegna joins our show today to share his insights on how to make this happen in your practice. Also, do you want to get regular updates on news from Tom and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned in this episode: https://tomhegna.com/

Many times when planning for retirement we often try to lock onto a specific date. However, it may be more productive for some to focus on their actual level of preparation for retirement. Today, Sheila Jelinek and Peter Sun from Milliman join us to talk about the genesis of the RISE tool which does exactly that. They explain how to get either your score or that of your client, and more importantly, how to use it to improve your plan over time. Also, do you want to get regular updates on news from Sheila, Peter and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. Links mentioned in this episode: Learn about the methodology behind the RISE Score: https://frm.milliman.com/-/media/frm/pdfs/3-17-21-frm-milliman_rise_score.ashx Access the RISE Tool here: https://alex.fyi/rise/ https://www.therisescore.com/ https://www.protectedincome.org/rise-calculator/ - The Alliance for Lifetime Income - client version https://www.protectedincome.org/rise-calculator-fa/ - The Alliance for Lifetime Income – advisor version

The next few years promise to bring more change to our business than the last 50, according to our guest Jim Kerley. He should know. Jim has worked for carriers, launched businesses, and played a leading role at LIMRA. Today, he is managing partner of Clearview Partners and shares his perspective of change not only in the U.S. but around the world. Also, do you want to get regular updates on news from Jim and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.

When to take Social Security could arguably be the single most important decision you will make in retirement. Jack Sharry, EVP and CMO for LifeYield joins us today to talk about technology's role in helping us all make the optimal call. Also, do you want to get regular updates on news from Jack and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.

Are you ready to take a step out on the risk spectrum? Special guest Byron Boston, Chief Executive Officer, and Co-Chief Investment Officer of Dynex Capital, joins the conversation to share insights on Real Estate Investment Trusts (REITs): another potential source of income in retirement. Do you want to get regular updates on news from Byron and other guests of our show? Subscribe to our newsletter under the Receive Updates section, below. We hope you enjoy our conversation!

What prevents clients from earning higher interest rates on their savings? Three factors - awareness, apathy, and inertia create road blocks according to Gary Zimmerman, Founder & CEO of MaxMyInterest.com. Gary joins us today to discuss the savings problem he solved for himself and is now sharing with clients and their advisors. Also, do you want to get regular updates on news from Gary and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy our conversation.

Can we learn what may lie ahead for our industry from regulatory changes in Australia? Will RILAs and MYGAs prove to be the winning products of 2021? How must we change how we explain our products to consumers? We discuss answers to these questions and more this week with Harry Stout. Harry has headed carriers in the U.S. and Australia. He has worked for IMOs and investors in the U.S. This year, he released a series of books on savings, investing, retirement and annuities titled The Financial Verse. You can learn more about Harry and order his books at https://www.financialverse.com/annuity-agent. Also, do you want to get regular updates on news from Harry and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy our conversation.104 Adapting Our Annuity Business to Changing Regulations, Markets, and Consumers

Fixed Indexed Annuities in the U.S. market now offer crediting strategies that include over 100 proprietary indices. How should agents and advisors conduct due diligence in this environment? What factors really matter? Today, Laurence Black, founder of The Index Standard, shares his perspective with us on this very important topic. Also, do you want to get regular updates on news from Laurence and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. Hope you enjoy our conversation.

Michelle Richter, Principal at Fiduciary Insurance Services, joins us again to cover a wide variety of important industry topics. One of many that jumped out in today's conversation was the need for structural change in how the annuity industry services RIAs in the future. Some of these involve technology, other products, and probably not surprisingly, how we better provide training about how to use insurance in financial plans. However, who will pay for training and how will it be delivered? Join us today for these topics and more. Also, keep up with news from our guests and sign up for our email list at thatannuityshow.com. Useful URLs for Retirement Plan Advisers from IRIC include:https://iricouncil.org/wp-content/uploads/2021/06/IRIC-DC-Income-Product-Program-Compilation-v6.3.21.pdf https://iricouncil.org/wp-content/uploads/2018/03/Evaluation-Scorecard-for-Retirement-Income-Products.pdf https://iricouncil.org/wp-content/uploads/2019/09/plan-sponsor-guide-to-retirement-income-decision-beleifs-ii.pdf https://iricouncil.org/evaluation-tools/#1520343622078-7c3a5514-60bf https://iricouncil.org/wp-content/uploads/2018/03/Debunking_Portability_Myths.pdf ______________________________________________________________________ Welcome to our show sponsor, The Index Standard Fixed Index Annuities and RILAs are getting more complex and technical just when fiduciary rules are getting stricter. How do you choose the right index and allocate to them? The Index Standard is your answer. They are an independent provider ratings and forecasts on all indices and ETFs used in the US insurance space. Their process is systematic and unbiased, identifying robust and well-designed indices. We all know finance is complex and The Index Standard has a clear ratings system and uses approachable language to demystify this complexity. Visit theindexstandard.com for more information.

You may be one of those who says a SPIA is just a SPIA. Just don't say that in front of Tamiko Toland, Head of Research At CANNEX. In today's show, Tamiko talks about the wide variety of SPIAs available on the market. And, she discusses how we need to place them thoughtfully inside the financial plans of our clients. We also cover a few other unordinary topics like the need for better product packaging, digital currency, and blockchain. Join us for the conversation today. Also, keep up with news from our guests and sign up for our email list at thatannuityshow.com. Follow Tamiko and CANNEX on YouTube at https://www.youtube.com/channel/UC7ndFrYfCvLCT9RUI9K4Igw.

In an annuity market driven by indices, interest, and volatility, we often focus on the numbers and not the lives we touch. Joe Jordan, speaker, writer, & industry veteran joins us today to help us remember the purpose in the good work we do. To quote another Joseph, "People say that what we're all seeking is a meaning for life. I don't think that's what we're really seeking. I think that what we're seeking is an experience of being alive." Join us for the conversation and follow Joe at www.josephjordan.com. Also, don't forget to sign up for our email list at thatannuityshow.com.

The CBOE was founded in 1973. However, it wasn't until 2002 that the investment community could actually trade on the VIX - the volatility index - thanks to the work of Devesh Shah. Devesh joins us today to talk about how this opened the door for the creation of today's annuities and what may lie ahead. Please go to our website at thatannuityshow.com and sign up for our email newsletter. In the next few weeks, we will be sending a short weekly email with news, ideas, and updates from our guests.

How do independent investment advisors solve the retirement puzzle for their clients? Today, Yale Bock, Owner of Y H & C Investments offers his perspective after 30 years in the business. Yale contributes frequently for US News and Seeking Alpha.

We all have our own unique story about how we found our way into the annuity business. Today, we'll share a very unique story that started behind the Iron Curtain, before Perestroika became reality in the heart of the Ukraine. This story belongs to David Novak, the creator of software that may arguably reshape our practices over the next five years called Annuities Genius.

Cyrus Bamji and Colin Devine from The Alliance for Lifetime Income join us today to talk about a number of pressing topics in retirement. We cover the 4% rule and whether really it should be 3%. Colin talks about the uniquely high risks that market downturns present for women. And, of course, we examine the value that lifetime income creates for all Americans. If you didn't know it, The Alliance was the sole sponsor for the last two years for the Rolling Stones U.S. Tour. Here are the links mentioned in the show: https://www.allianceforlifetimeincome.org/ https://www.protectedincome.org/

We're living in remarkable times with the release of an amazing range of both paid and open-source tools to help us stress-test retirement plans. Curtis Cloke, Owner and Principal of CurtisCloke.com joins us this week to talk about how to maximize the impact of our tools by focusing first on listening to the needs of clients. We discuss his process used to construct customized income plans for his clients. In addition, we talk about recent M&A activity, digital sales, and the potential of augmented reality to create vivid pictures for client.

Annuities are insurance, not investments. However, we need smart, passionate people to challenge us on how we build our products. Simpler products, lower fees, smaller minimum deposits will benefit everyone. Join us for a thoughtful discussion on these topics and more with Ethan Schwartz. Ethan has worked as an investment manager and financial services executive for 21 years. He was a special assistant to the deputy secretary of the Treasury in the Clinton administration. He also is a proud owner of at least one multi-year guaranteed annuity. Connect with That Annuity Show at https://twitter.com/ThatAnnuityShow, https://www.facebook.com/thatannuityshow, https://www.instagram.com/thatannuityshow/. Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at http://www.nfg.com. Connect with Ramsey Smith on https://www.linkedin.com/in/ramseydsmith or Visit https://alex.fyi on the web. This podcast is intended for general informational purposes only and is not a solicitation of any insurance product. The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer's needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

How does one educate college students and clients about the importance of the time-value of money in the middle of our virtual age? Matt Carey joins us to talk about both challenges in his role as investment advisor at Blue Spark Capital Advisors and as Director of Financial Market Studies at Iona's Hagan School of Business. Connect with That Annuity Show at https://twitter.com/ThatAnnuityShow, https://www.facebook.com/thatannuityshow, https://www.instagram.com/thatannuityshow/. Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at http://www.nfg.com. Connect with Ramsey Smith on https://www.linkedin.com/in/ramseydsmith or Visit https://alex.fyi on the web. This podcast is intended for general informational purposes only and is not a solicitation of any insurance product. The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer's needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

Pioneering a new way to sell annuities to the public requires guts and patience. Josh Mellberg, President of J.D. Mellberg Financial joins us today to share with us his journey from a holding seminar a week to generating millions of leads on television. Connect with That Annuity Show at https://twitter.com/ThatAnnuityShow, https://www.facebook.com/thatannuityshow, https://www.instagram.com/thatannuityshow/. Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at http://www.nfg.com. Connect with Ramsey Smith on https://www.linkedin.com/in/ramseydsmith or Visit https://alex.fyi on the web. This podcast is intended for general informational purposes only and is not a solicitation of any insurance product. The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer's needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.