That Annuity Show

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

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 .   Useful URLs for Retirement Plan Advisers from IRIC include: ______________________________________________________________________ Welcome to our show sponsor, 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? is your answer. They are an independent provider ratings

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, Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at 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 a

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, Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at 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 insuranc

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, Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at 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.

Private equity continues to drive investment and mergers & acquisitions in the insurance and RIA market. Scott Hawkins, Direct of Insurance Research at Conning joins us to share his team's insight on the impact to product, distribution, and consumer value. Connect with That Annuity Show at https://twitter.com/ThatAnnuityShow, https://www.facebook.com/thatannuityshow, Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at 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.

Should every advisor ask their client the "mortality question" when they build a retirement plan? Bobby Samuelson, Executive Editor of The Life Product Review, says we all should. Join us today as we explore the complementary roles that life insurance and annuities can play in retirement planning.   Connect with That Annuity Show at https://twitter.com/ThatAnnuityShow, https://www.facebook.com/thatannuityshow, Visit our website at https://thatannuityshow.com. Visit Nassau Financial Group on the web at 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 appropria