Bryce talks with David about evidence-based investing and how financial science defines modern investment strategies. He shares Dimensional's decades-long philosophy rooted in disciplined investing, academic research, and commitment to improving investor outcomes. From the early days of institutional investors to the modern era of tech-integrated insurance and fee-based annuities, Bryce connects the dots between theory, practice, and real-world financial advice.

George talks with Kameron about how Orion meets the growing demand for fee-based annuities and insurance. He discusses the integration of DPL's discovery tools into Orion Connect, the launch of Orion's RIA Accelerator program for breakaway advisors, and how firms can transition without sacrificing assets or revenue. George also explains why insurance solutions are becoming a revenue-driving force for modern RIAs and why adding commission-free annuities directly into advisors' workflows is a game-changer for both client outcomes and firm profitability.

Learn more at https://www.dplfp.com/series/advisor-revelations-podcast

Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

In this episode of Advisor Revelations, Amy Arnett, VP of Insurance Solutions at DPL Financial Partners, talks with Angel Melgoza, Director of Financial Planning at Your Financial Pharmacist, about asset and income protection. They cover the importance of disability income insurance in financial planning, the ideal client for such coverage, the rule of thumb on disability income insurance, and how to address potential gaps in group disability insurance. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Matt talks with Ross about the DPL's Breakaway Accelerator Program. They discuss how advisors can leverage this program to scale their firms, increase revenue, maintain control over clients' annuity contracts, and transition to an advisory-based annuity model.

Key Takeaways

• [01:05] - Matt's background and how he got started at DPL.
• [02:04] - DPL’s Breakaway Accelerator Program.
• [03:01] - The challenges of maintaining control over annuity contracts.
• [04:45] - How the DPL's Breakaway Accelerator Program helps clients.
• [06:54] - What independence means in terms of revenue.
• [09:26] - How to start with DPL's Breakaway Accelerator Program.
• [11:58] - Moving to independence.
• [13:19] - An example of how DPL's Breakaway Accelerator Program helps firms increase revenue.

Michael talks with David about trends and best practices in the financial advisor industry. They also discuss the challenges and opportunities around annuities, particularly in the RIA market. Michael and David emphasize the need for carriers to create products that can be used, not just sold, and support advisors' business models.

Key Takeaways

• [02:37] - How Michael got started in financial services.
• [06:02] - Michael's involvement in the early years of variable annuities.
• [09:15] - Michael's blogging journey and the growth of his platforms.
• [12:39] - How Michael balances his time between his platforms and business partnerships.
• [18:09] - Building products that can be used, not just sold.
• [26:38] - The operational challenges RIAs face when dealing with annuities.
• [31:59] - The challenges of making operational paperwork more efficient.
• [34:06] - The need for scalability in the annuity industry.
• [38:41] - The challenges of duration for carriers.

In this episode, DPL Internal Consultants Blake Reitnauer and Tyler Caummisar talk about the differences between traditional pensions and annuities, highlighting the flexibility and advantages of modern annuities. Their conversation focuses on joint income, death benefits, and how to shift pensions to annuities.

Key Takeaways

• [01:24] - The overall trend for defined benefit plans.
• [03:40] - The key difference between a traditional pension and an annuity.
• [07:02] - The difference between pensions for joint income and modern annuities.
• [10:45] - The difference between annuities and pensions in terms of death benefits.
• [14:50] - How DPL replaces pensions with modern annuities.

In this episode of Advisor Revelations, DPL Consultants Willie Jones and Logan Cheatham talk about how annuities can address the challenges of market volatility and retirement planning. They discuss the fear of outliving savings and the need for principal protection and guaranteed income. They also dispel misconceptions about annuities and highlight their flexibility, liquidity, and low cost.

Key Takeaways

• [02:10] - The impact of reducing a market drop on portfolios.
• [03:36] - How advisors can address concerns about outliving savings in retirement.
• [05:55] - The beauty of buffer annuities.
• [08:38] - How RISA helps advisors and clients.
• [11:57] - Using MYGA products as a social security bridge for early retirement.

In this episode of Advisor Revelations, Patrick Perry and Jackson Bradley, DPL's Regional Vice Presidents, talk about Registered Index-Linked Annuities (RILAs). They discuss how RILAs provide downside protection while offering higher cap rates than traditional fixed index annuities. Jackson also delves into the different levels of protection and customization options available with RILAs. Their discussion concludes with how advisors can rationalize and implement RILAs into their practice, providing peace of mind and protection for their client's assets.

Key Takeaways

• [01:37] - Registered Index-Linked Annuities (RILAs) and their benefits.
• [03:52] - Different downside protection levels and cap rates for RILAs.
• [06:25] - The target client base for RILAs.
• [08:04] - Exotic strategies within RILAs.
• [13:00] - Converting old variable annuities to top-of-the-market products.

In this episode, Kameron talks with Alex Brueske, Wealth Advisor at B3 Wealth Strategies. Before becoming a wealth advisor, Alex played baseball in college and coached for several years after graduation. His number one lesson as a pitcher was always to have a game plan. He continues to use that methodology when working with clients and strongly believes a solid financial plan will help you navigate life’s curveballs.

Alex talks with Kameron about B3 Wealth Strategies' transition to independence and how DPL Financial Partners' Breakaway Accelerator Program helped them seamlessly move their clients into more improved, cost-efficient retirement income products while growing their firm and AUM. He also highlights the value of DPL's solutions and tools, particularly in annuity and long-term care.

Key Takeaways

• [01:23] - Alex's background and role at B3 Wealth Strategies.
• [02:57] - Why B3 Wealth chose DPL as a valuable partner during its transition.
• [04:59] - The benefits of the Breakaway Accelerator Program.
• [07:04] - Client experiences with DPL's Breakaway Accelerator Program.
• [10:09] - Utilizing DPL for commission-free annuity solutions.

In this episode, Ross is joined by Blake Reitnauer, RIA Consultant at DPL. In his role, Blake is committed to working with RIAs to assist them in implementing better solutions for their clients to meet their objectives. He works with consultants to educate RIAs about commission-free insurance solutions that create better client outcomes and AUM growth for RIAs.

Blake joins Ross to discuss the current opportunities and challenges in the annuities market. They highlight new solutions and strategies available through the DPL platform, including the breakaway accelerator program for advisors transitioning to fee-only models and the life insurance desk for comprehensive insurance solutions. Ross and Blake emphasize the importance of technology in streamlining processes and providing real-time updates on contracts and portfolios.

Key Takeaways

[02:05] - Common conversations Blake had with potential clients.

[02:42] - How interest rates and volatility impact annuities.

[04:40] - Utilizing fixed index annuities for principal protection.

[06:18] - The benefits of multi-year guaranteed annuities (MYGAs).

[07:55] - Why DPL's breakaway accelerator program is a game-changer.

[09:29] - How to get involved in DPL's breakaway accelerator program.

[11:32] - How DPL's life insurance desk helps serve advisors.

[15:17] - DPL as a solution for firms acquiring new advisors.

[18:16] - How DPL is changing the insurance game from a technology standpoint.

[21:26] - Useful tools DPL offers to advisors.

In today's episode, DPL Director of Insurance Solutions Amy Arnett is joined by Thomas Dettre. Thomas is the President and Founder of True North Financial Planning. Thomas has over 30 years of professional accounting and financial experience, encompassing personal financial planning, public accounting, and corporate financial management. He is passionate about helping people find the right financial planning solutions, wherever someone may be in their life. Thomas believes in a holistic planning approach, encompassing a person's whole financial picture and centered around the achievement of financial planning goals built on life goals.

With an understanding of how to help clients make the right decisions about retirement and long-term care insurance, Thomas talks about how advisors successfully implement long-term care through DPL's Insurance Desk and what strategies are currently bringing their clients success.

Key Takeaways

[01:22] - Thomas' professional background and what True North does.

[02:44] - How Thomas first learned about DPL.

[04:29] - What motivated Thomas to dive into the insurance space?

[06:24] - Why Thomas considered DPL as the best partner.

[10:35] - Utilizing the DPL Life Desk as a one-stop shop for insurance solutions.

[12:46] - Positioning long-term care as a financial protection tool.

[17:55] - A case study of couples obtaining hybrid life long-term care insurance.

In today's episode, DPL's Regional VP of Member Success, Ross McGoodwin, talks with BlueStem Wealth Partners' Steven Rice and Scott Marquardt. Steven is a partner and the chief financial officer, with 32 years of experience in the financial industry. Scott is a private wealth advisor at the company with over 18 years of financial advisory experience. He is responsible for strategic sales leadership and serving high-net-worth clients. At BlueStem, they strive to help individuals find confidence, purpose, and success in their financial future.

Steven and Scott talk with Ross about how firms like BlueStem Wealth Partners transitioned their book of business through DPL's Breakaway Accelerator program. They highlight the reasons behind their decision, including the desire for transparency and true independence. Both also share their experiences working with DPL Financial Partners and how the partnership has helped them transition their assets. 

Key Takeaways

• [01:25] - An overview of guests' professional backgrounds.
• [03:44] - The reasons behind BlueStem's transition to a fee-only model.
• [10:07] - Surprising success in transitioning assets with DPL's assistance.
• [12:36] -The benefits of rising income feature in annuity contracts.
• [14:40] - Leveraging technology with DPL dashboard.
• [18:49] - How DPL provides scalability and support to partner firms.
• [20:36] - Growing partnership and expanding product options.
• [22:59] - Transitioning to RIA with DPL made easier.

Join us on this journey of exploration and strategic insight into the financial world. For more information and resources, visit dplfp.com. Don't miss out on the future of financial services—tune in now!

[00:00 - 01:30] Introduction:

- Brief overview of Chip's extensive experience in developing strategies for the personal financial services industry.

[01:30 - 10:15] Industry Trends:

- Chip and David discuss current trends shaping the financial industry.

- Insights into market research and strategic consulting for financial institutions and advisors.

- Exploration of emerging opportunities and challenges in the industry.

[10:15 - 18:45] Product Innovation in Insurance:

- Dive into the realm of product innovation within the insurance space.

- The role of technology and data in driving advancements.

- Case studies and examples of successful innovations in the insurance sector.

[18:45 - 28:00] Pricing Models for RIAs:

- In-depth analysis of pricing models for Registered Investment Advisors (RIAs).

- Strategies for adapting to market changes and client expectations.

- The evolving landscape of fee structures and how it impacts the advisor-client relationship.

[35:30 - 40:00] Closing Thoughts:

- Recap of key takeaways from the conversation.

- Invitation to explore Commission-Free annuities and insurance at dplfp.com.

- Thank you message and information on upcoming episodes.

In this episode, DPL's Regional VP Jonathan Barth is joined by Patrick Perry, Consultant at DPL. Before working at DPL, Patrick served as an annuity specialist at Larry Gordon Agency. He takes pride in helping RIAs identify opportunities to grow their AUM and better serve their clients using commission-free insurance and annuities.

Patrick and Jonathan discuss strategies for mitigating taxes and maximizing growth in a financial plan. They highlight the upcoming changes to tax cuts in 2025 and how they will impact clients' tax bills. They also explore the benefits of using annuities in tax planning, such as the RMD strategies, investing in annuities for high-net-worth clients, tax-efficient withdrawal strategies, tax-free exchanges, and qualified charitable distributions.

Key Takeaways

• [02:54] - An overview of Patrick's professional experience.
• [05:07] - Patrick's key takeaways on what will happen when taxes are rolled back in 2025.
• [06:30] - Strategies to mitigate taxes.
• [07:15] - How required minimum distributions (RMDs) work in annuities.
• [09:02] - Benefits and limitations of the RMD strategy.
• [11:34] - Key strategies for high-net-worth clients.
• [15:17] - How annuity withdrawals are taxed.
• [15:48] - Tax-efficient withdrawal strategies.
• 17:44] - Tax-free exchange available at DPL Financial Partners.
• [19:19] - What the qualified charitable distribution is all about.

In this episode, David is joined by Jonathan Clements, a financial writer and the founder and editor of HumbleDollar. He is the author of personal finance books, including My Money Journey and How to Think About Money. Jonathan also sits on the advisory board of Creative Planning, one of the country's largest independent financial advisors. His 20 years of working at the Wall Street Journal and his role as director of financial education at Citigroup gave Jonathan extensive experience and knowledge of the financial industry.

Jonathan joins David to discuss how annuities can redefine investors' retirement journey. He emphasizes the importance of making consistent investment decisions to achieve financial independence. He also explores retirement planning, including the need for predictable income and the benefits of annuities.

Key Takeaways

• [01:19] - The origin of HumbleDollar and its evolution.
• [05:09] - What Jonathan's book, My Money Journey, is all about.
• [10:04] - Risk tolerance and behavior as investors age.
• [12:45] - The challenges of retirement and the complexity of decumulation.
• [17:41] - Why people have a negative perception of annuities.
• [23:01] - How advisors can have effective conversations about annuities with retirees.
• [30:28] - The importance of spousal benefits and managing finances in old age.
• [33:21] - Personalizing annuity allocation.
• [38:36] - Improvements in the financial industry over the years.
• [40:30] - Potential changes in retirement definition and workforce participation.
• [43:08] - Jonathan's advice on how to become a better advisor.

In this episode, DPL's VP of Member Success, Tim Rembowski, talks with Nate Johnson, RIA Consultant at DPL Financial Partners. They discuss legacy planning and address common misconceptions about annuities. They cover topics such as the non-qualified stretch, the flexibility of annuities in terms of fees and investment options, and the benefits of return of premium death benefit riders.

Key Takeaways

[02:03] - How the non-qualified stretch annuities work.

[04:16] - Flexibility and investment options during the stretch period.

[07:14] - Strategies for resetting the return of premium death benefit rider.

[11:13] - Misconception about annuities for income and loss of death benefit.

[14:14] - The impact of an annuity reaching its end on one's legacy planning.

[15:50] - Summary of main topics discussed.

Listen to this podcast to gain a comprehensive understanding of the role annuities play in addressing retirees' psychological concerns, dispelling misconceptions about these financial instruments, and implementing effective strategies that blend annuities into a diversified retirement income plan. Michael Finke and David Lau provide actionable insights that can help financial advisors empower their clients to achieve financial security and peace of mind in retirement.

Key Takeaways:

[00:00 - 01:12] - Introduction to the podcast and guest, Michael Finke.

[01:12 - 04:20] - Michael Finke's background and expertise in retirement planning and financial services.

[04:20 - 07:15] - Discussing the psychological challenges retirees face and the need for financial security in retirement.

[07:15 - 09:58] - The impact of behavioral biases on retirement planning and decision-making.

[09:58 - 13:25] - The role of annuities in addressing retirees' psychological concerns.

[13:25 - 17:40] - Discussing common misconceptions about annuities and their role in a retirement portfolio.

[17:40 - 21:05] - Best practices for incorporating annuities into a retirement income strategy.

[21:05 - 25:00] - Addressing the concern of liquidity when using annuities and the importance of a diversified approach.

[25:00 - 28:45] - Michael Finke's insights on the evolving landscape of retirement planning and the role of financial advisors.

[28:45 - 30:00] - Closing remarks and gratitude to the guest, Michael Finke.

In this episode, VP of Member Success Tim Rembowski talks with Amy Arnett, Director of Insurance Solutions at DPL. Amy has been in life and disability insurance services for 36 years. She works with independent insurance agents and financial advisors to help them provide their clients the protection they need using life insurance and disability income. Amy joins the DPL team to solve the developing insurance needs in clients' portfolios.

To help advisors bring their clients' insurance under their fiduciary umbrella, Amy chats with Tim about a new development - DPL's Insurance Solutions. She shares her insights into how this new resource is revolutionizing the insurance landscape for financial advisors. Amy discusses the range of services offered, including life insurance, long-term care, disability, and more, all designed to support advisors and enhance client relationships.

Key Takeaways

• [01:43] - Amy's experience in the insurance industry and her role at DPL.
• [02:48] - How DPL's insurance solutions relieve advisors of insurance complexities. 
• [06:51] - How DPL helps advisors consolidate relationships.
• [09:21] - The resurgence of interest in long-term care insurance.
• [12:31] - Addressing gaps in employer-paid group disability insurance.
• [15:20] - Compensation structure for advisors working with DPL's insurance desk.

In this episode, Jonathan Barth talks with John Watson, Internal Sales Consultant at DPL. With almost 30 years of experience in the industry, John brings a wealth of experience in helping advisors determine the best course for clients based on their needs, particularly when it comes to incorporating annuities into their financial plans.

With a strong annuity and insurance background, John talks to Jonathan about the 4% Rule as a safe withdrawal rate and how annuities can help address the challenges and uncertainties that come with it. He also highlights the impact of factors like inflation, interest rates, and increasing life expectancy on retirement planning.

Key Takeaways

• [01:09] - The role John plays at DPL.
• [02:23] - How John approaches the topic of the 4% Rule with his advisors.
• [06:18] - The challenges facing the 4% Rule.
• [08:43] - The impact of inflation on retirement income planning.
• [12:13] - Factors influencing retirement planning.
• [16:51] - How to evaluate annuity solutions for retirement income.
• [19:46] - How DPL reviews various processes and options available for retirement planning.
• [24:52] - Comparing the 4% withdrawal strategy to annuity income rates.
• [31:32] - The benefits of annuities in retirement income planning.
• [33:48] - John's last thoughts about retirement income and the 4% Rule.

In this episode, Ross McGoodwin talks with DPL's Regional Vice President of Member Success, Blake Phillips. Prior to joining DPL, Blake was a financial representative with New York Life. He is passionate about helping member firms create the best possible outcomes for their clients while organically growing their AUM and utilizing DPL's commission-free insurance platform.

Blake talks to Ross about the evolution of advisory fees in the annuity industry and within DPL, the advantages of taking the fee directly from the product, and how DPL provides a seamless administration process and support when integrating all assets into one place.

Key Takeaways

• [01:26] - How advisory fees have changed over time.
• [03:29] - How advisors charge advisory fees on annuities and insurance products.
• [05:36] - The billing on lifetime income products.
• [07:43] - The advantages of taking the fee directly from the product.
• [09:24] - How advisors transition from broker-dealer fees to an advisory fee model.
• [11:39] - How DPL provides a seamless administration process and support.

In this episode, DPL RVP of Membership Success, Kameron McRay talks with Sam Johnson, VP of Business Development of DPL. Sam is knowledgeable in the ways Commission-Free insurance can be used to deliver value to investors. Sam has over seven years of experience working in the insurance industry, primarily on the RIA channel. At DPL, Sam focuses on carrier partner relationships. He works with existing and onboarding new carriers to get them to understand the DPL business model.

Sam talks to Kameron about how members and advisors impact product and technology innovation at DPL, how working with DPL varies from working with carriers directly, and what business development has in store for the future.

Key Takeaways

• [00:58] - The role Sam plays at DPL.
• [02:27] - How DPL has grown from a business development perspective.
• [05:04] - Advisors benefit from partnering with DPL.
• [07:04] - Why the staying power of members can help carriers create new products.
• [09:07] - How feedback plays a key role in developing DPL's products and solutions.
• [12:19] - What the DPL business model looks like.
• [14:46] - What business development has in store for the future.

In this episode, Ross McGoodwin talks with Brock Eson, Independent Financial Advisor at RFG Advisory. Brock chose to become a financial advisor because he understood how confusing and difficult it was for the average person to be armed with the information to handle financial decisions well. Today, Brock enjoys aiding others in planning for their current and future financial health.

Brock talks with Ross about how an advisor can take advantage of creative tax and income strategies using commission-free solutions in today's fluctuating market and how he transitioned his legacy annuity contracts and clients' mindset to the RIA practice. Brock also shares his strategies for addressing collapsing life insurance policies and matching clients with fee-based retirement solutions.

Key Takeaways

• [01:21] - Brock's career background and why he joined RFG Advisory.
• [03:14] - What motivated Brock to transition into the RIA industry?
• [05:37] - What Brock discovered when he made the transition into RIA.
• [07:44] - Why advisor annuities make a great solution for clients and advisors.
• [09:49] - Why guaranteed income and buffer annuities are effective for clients.
• [12:24] - Brock's unique strategies for coping with collapsing life insurance policies.
• [15:59] - Other strategies that stand out in the annuity sector.
• [17:36] - How DPL makes RFG Advisory's practice more repeatable and scalable.
• [21:13] - The benefits of DPL membership for RFG Advisory.

In this episode, DPL Lead RIA Consultant Leslie Grant talks with John Watson, Internal Sales Consultant at DPL Financial Partners. John brings 25+ years of industry experience and annuity wholesaling to DPL. John believes in holistic financial planning, especially when it comes to managed assets, annuities, income, and protection strategies.

With a strong annuity and insurance background, John talks to Leslie about utilizing deferred income strategies to capture assets for clients heading into retirement and the efficiency these solutions and strategies can provide to advisors and client portfolios.

Key Takeaways

• [01:06] - What deferred income is and why it is an area of opportunity for advisors and their clients.
• [02:08] - How to maximize cash flow allocated to a deferred income strategy.
• [03:26] - Strategies advisors use to evaluate deferred income situations.
• [07:53] - How RISA helps advisors achieve success for their clients.
• [09:28] - Why investors need to source retirement income from qualified accounts.
• [13:16] - John's approach to discussing the early funding process with clients.
• [17:24] - How annuities can help advisors retain and grow their businesses.
• [21:08] - What role can lifetime income play in resolving future challenges?
• [24:51] - How an annuity can benefit a portfolio with 8% annualized returns and fixed income.

Key Takeaways

• [:40] - How annuities provide peace of mind.
• [2:19] - How do you find a "good" annuity?
• [5:39] - How exposed is your lifestyle to the market?
• [13:19] - How Commission-Free annuities can save clients money.

In this episode, DPL's Jackson Bradley talks with Joe Flinner, CEO and Lead Wealth Advisor at Landing Point Financial. Joe has been in the financial services industry for 24 years. He and the team currently manage wealth for families, focusing on multi-generational planning. The foundation of Joe and his team is to be a blessing to clients, advisors, staff, and communities.

Dedicated to providing personalized, targeted financial advice to help individuals reach their unique goals, Joe talks to Jackson about how advisors can use the Retirement Income Style Awareness profile or RISA as a competitive advantage with prospective clients to identify their unique retirement income preferences.

Key Takeaways

• [01:15] - Joe's career background and how Landing Point serves its clients.
• [02:34] - How Joe came across the RISA tool.
• [02:54] - What drew Joe to RISA and how he found success with the tool.
• [03:52] - How Joe integrates RISA into his prospecting and onboarding process.
• [04:53] - The results of Joe's use of RISA.
• [06:28] - How RISA provides Joe with a competitive advantage.
• [08:00] - The impact DPL had on Landing Point Financial.

In this episode, DPL's Regional VP Ross McGoodwin talks with Martin Nitzken, Membership Consultant at DPL Financial Partners. Before joining DPL, Martin worked in orthopedics, where he discovered his passion for improving personal health and security. Pivoting to the financial sector, he has joined DPL to assist member firms in organically growing their AUM while implementing greater outcomes for their clients.

With DPL Membership being a game-changer for clients and advisory firms, Ross and Martin talk about how advisors can take advantage of the membership to access cutting-edge tools and technology to grow their firms.

Key Takeaways

• [01:20] - An overview of Martin's role at DPL.
• [04:02] - How Martin helps advisors provide a holistic service to their clients.
• [06:39] - How advisors can use the DPL platform to grow their Assets Under Management (AUM).
• [07:54] - What growth looks like for firms using the DPL platform.
• [09:16] - How the AIM's Breakaway Accelerator Program works.
• [11:49] - How DPL leverages technology to help advisors.
• [15:42] - What Black Diamond and DPL's partnership looks like.
• [18:08] - How advisors use Retirement Income Style Awareness (RISA) in their planning process.
• [19:28] - How DPL has changed its approach to life insurance.
• [21:04] - The typical journey for anyone who wants to join DPL.
• [23:43] - What makes DPL membership a good opportunity for 2023?
• [25:50] - The current state of guaranteed income.

In this episode, Jonathan talks with Avior Wealth Management's Wealth Advisor and the Director of Firm Development, Ryan McQuillan and Britt Campbell, Managing Director. Ryan began his journey in financial services at age 19 after taking a personal financial planning course in college. After spending nearly a decade as a field leader and director at a major financial institution, he decided to join Avior Wealth Management. Britt's story began in Nebraska where both sides of his family built their own businesses. Over the past two decades, Britt has helped people make money decisions aligned with their true purpose.

Recognizing the power of integration and automation in scaling businesses, Ryan and Britt talk about how firms can leverage the Advent Insurance Marketplace powered by DPL to grow their practice and help clients find the best commission-free solutions to fit their retirement needs.

Key Takeaways

• [01:32] - The role Ryan and Britt play at Avior Wealth Management.
• [04:33] - Why Avior decided to use the Advent Insurance Marketplace by DPL.
• [09:29] - What Ryan finds valuable about the integration of DPL and Avior.
• [12:52] - The benefits of working with AIM's Breakaway Accelerator Program.
• [16:54] - An example of how Avior was able to leverage DPL effectively for a client.
• [19:41] - What it means for RIAs to have DPL as a resource.
• [23:59] - What Ryan and Britt have to say about their partnership with Advent Insurance Marketplace.
• [27:44] - The advice Ryan and Britt have for advisors planning to scale their practices.

Avior Wealth Management, LLC is a SEC registered investment advisor who provides investment management and financial planning services to client. Avior partners with DPL to provide insurance solutions to clients. Avior is not compensated by DPL for recommending their services but is compensated by clients on the overall financial investments of clients for which Avior manages.

In this episode, Jonathan talks with Leslie Grant, Lead RIA Consultant at DPL Financial Partners. Prior to working at DPL, Leslie spent five years working for a prominent insurance carrier and four years with a boutique investment manager. Her comprehensive understanding of product construction, the insurance industry at-large, and her belief that all clients could benefit from the opportunity to retire with security shows in her work.

Committed to helping Americans navigate and manage change in retirement, Leslie talks with Jonathan about alternative retirement income strategies. They dig deep into the unique ways to fund and diversify retirement income and what advisors can do specifically around pension buyouts.

Key Takeaways

• [01:38] - Leslie's conversation with advisors about funding retirement income.
• [05:39] - How retirees can maximize their retirement income.
• [08:31] - Other rollover opportunities and unique ways advisors manage assets.
• [14:26] - The impact of rising interest rates on FIAs and RILAs.
• [18:08] - What the rising interest rate environment means for MYGAs.

In this episode, Jonathan talks with Matthew Liebman, Founding Partner and CEO at Amplius Wealth Advisors. Before founding Amplius Wealth Advisors, Matthew co-led The Liebman Marks Group at Merrill Lynch for 13 years. With his education and background in asset allocation theory and behavioral finance, Matthew has experience with high-net-worth families and provides a unique approach to guiding clients toward their financial goals.

Dedicated to putting clients at the center of everything Amplius Wealth Advisors does, Matthew talks about his experience of using DPL's Breakaway Accelerator Program to transition their existing annuity book, avoiding orphaned accounts, and bringing those assets under their management as they move to become an independent financial advisor.

Key Takeaways

[01:30] - Matthew's professional background and his role at Amplius Wealth Advisors.

[04:23] - Why Matthew decided to become independent.

[06:51] -The role DPL played in Matthew's transition to independence.

[09:41] - How Amplius works with DPL on annuity analysis.

[12:33] - The benefits of integrating annuities into portfolio management software.

[15:35] - Matthew's advice for advisors thinking about becoming independent.

[18:09] - Matthew's key takeaways.

In this episode, Jonathan talks with Jackson Bradley, Consultant at DPL Financial Partners. Prior to joining DPL, Jackson led the startup of MDM CPG, bringing a new brand of butter cookies to the marketplace. He also spent time as an internal wholesaler with Lincoln Financial Group.

Passionate about helping advisors organically grow their AUM while improving client outcomes, Jackson talks with Jonathan about taxes and annuities, how these strategies can play and work together, and what concerns advisors have as tax season approaches.

Key Takeaways

[01:48] - Tax concerns advisors have at the moment.

[02:57] - How DPL can help advisors with their tax-related concerns.

[06:11] - What are Multi-Year Guaranteed Annuities (MYGAs), and how do advisors use them?

[09:54] - How DPL helps clients with their year-end planning.

[11:34] - How DPL advisors handle old annuities' taxes.

[16:40] - Jackson's key takeaways.

In this episode, DPL's Regional VP Jonathan Barth talks with Nate Johnson, Consultant at DPL Financial Partners. Nate is passionate about helping member firms organically grow their AUM while creating the best possible outcomes for their clients through DPL's Commission-Free insurance platform.

Jonathan and Nate talk about evaluating new solutions and strategies to help advisors grow their firm and AUM. They also speak about the current interest rate environment, its impact on annuities, and how advisors deal with some of the stress and pressure this environment brings.

Key Takeaways

[01:16] - Advisors' thoughts on the impact of the current rate on client portfolios.

[03:20] - The misconceptions about the rising interest rate.

[05:34] - How advisors deal with the current rate environment.

[07:55] - Annuities with higher upside potential.

[09:33] - How annuity fits into a 60/40 portfolio.

[13:17] - Why DPL's Fixed Income Comparison tool can be very useful.

[17:52] - Nate's key takeaways.

DPL Consultant Willie Jones talks with Robert Witt, Financial Advisor at Savant Wealth Management. Robert has been in the financial advisory industry since 1997. In addition to being a Certified Financial Planner, Robert is a Retirement Income Certified Professional. He helps individuals who are currently retired or transitioning into retirement to build a plan to meet their retirement income needs and manage the many risks they may face.

Robert talks with Willie about what commission-free solutions can provide retirees with more protection and guaranteed income, the tools which help advisors choose the best solutions for their clients, and how to cope with client pushback regarding annuities.

Key Takeaways

• [01:11] - An overview of Robert's career in wealth management.
• [04:12] - The goal of Robert's partnership with DPL.
• [06:51] - Robert's approach to utilizing registered index-linked annuities (RILAs).
• [11:17] - What Robert does to determine the best solution for each client.
• [15:47] - How Robert deals with client pushback regarding annuities.
• [19:16] - How DPL helps Robert provide better service to his clients.

In this episode, Andrew Lippert joins DPL Regional Director Ross McGoodwin. Founder and CEO of Simplified Wealth, Andrew speaks about how RIAs can generate guaranteed income streams by using commission-free solutions and tools to discover new strategies and help determine client investing styles. He also shares how he uses annuities in retirement portfolios to provide a guaranteed income stream for clients.

Key Takeaways

[01:42] - An overview of Andrew's wealth management experience.

[03:26] - What motivated Andrew to partner with DPL.

[09:39] - Andrew's thought process when introducing annuities to clients.

[15:55] - Why fixed index annuities are a great solution for clients.

[21:11] - How Andrew approached guaranteed income in the past.

[27:22] - What excites Andrew about partnering with DPL.

DPL Consultant John Watson joins Tim Rembowski for another segment of Advisor Revelations. John brings over 25 years of industry experience and annuity wholesaling to DPL. For the last 18 years, John has used a holistic approach to planning with managed assets, annuities, income, and protection strategies at Fidelity Investments.

Demonstrating a deep understanding of DPL's insurance and annuity products, John talks with Tim about interest rate movements, how that affects fixed annuities, and the solutions and strategies needed to address current challenges.

Key Takeaways

[01:45] - How advisors adapt to today's market environment.

[04:29] - How multi-year guaranteed annuities (MYGAs) are creating positive results this year.

[05:42] - The positive effects of annuities.

[07:03] - John's outlook on interest rates.

[09:03] - The yield curve for MYGA.

[11:44] - What makes MYGAs so beneficial in today's market.

In this episode, Tim Rembowski is joined by Jonathan Barth, DPL's Regional Vice President of Member Success. Jonathan brings a teacher's sensibility to his work with RIAs, listening and providing guidance to help advisors utilize insurance in a variety of new ways. Jonathan combines extensive knowledge of commission-free insurance products with his expertise in RIA practice management and technology.

Aiming to help DPL members find the best insurance solutions for their clients, Jonathan speaks with Tim about how financial firms evaluate new solutions and address current economic challenges, the strategies to help firms and AUM grow, and what to expect in 2023.

Key Takeaways

[01:37] - What most advisors think about 2022.

[04:36] - How financial firms find new solutions and address current challenges.

[10:25] - Why advisors are now looking into registered index-linked annuities.

[14:01] - How DPL solves advisors' problem of accessing quality products.

[16:30] - Jonathan's outlook for 2023.

In this episode, Ross talks with Colin Day, Financial Advisor at Correct Capital Wealth Management. Colin brings over a decade of experience in financial services to Correct Capital. To him, financial planning is more than just making sure you can retire one day; it's the process of identifying your short-term and long-term goals and taking advantage of every opportunity to meet them.

Colin talks with Ross about how Correct Capital implements the SS&C Advent Insurance Marketplace Powered by DPL into their financial planning process. He also shares how this tool helps clients stay connected to their plans, create holistic retirement plans, and move clients into better price solutions and strategies for fixed-income alternatives and principal protection.

Key Takeaways

[01:40] - An overview of Correct Capital and how it serves its clients.

[03:36] - How Correct Capital's partnership with DPL impacts the organization.

[06:41] - The solution that stood out on both income and protection.

[14:13] - Colin's experience with Black Diamond Advisory.

[17:25] - How Correct Capital benefits from using the Black Diamond platform.

[20:23] - Some of the tools Correct Capital uses to help investors.

[24:47] - A new solution Colin didn't expect is available for RIAs.

[26:30] - The other benefits of working side-by-side with Black Diamond.

In this episode, DPL Consultant Scott Spurlock talks with Hobby Barndollar, Investment Advisor and CEO at PurePath Wealth Management. Hobby specializes in tax planning, income planning, Social Security planning, and IRA/401(k) distribution. He focuses on providing diversified strategies and holistic financial planning through simple and easy-to-understand methods.

Hobby talks with Scott about how he builds retirement portfolios using Registered Index-Linked Annuities (RILAs) and other commission-free solutions, the advantages of using these strategies in the RIA channel, and how these strategies can help firms keep clients invested, mitigate sequence of return risk, and provide guaranteed income.

Key Takeaways

[01:20] - An overview of Hobby's professional and personal background.

[02:24] - The type of annuity Hobby deems the most beneficial.

[05:08] - Why Hobby transitioned from a broker/dealer to a fee-only advisor.

[09:22] - How RILAs and fixed-indexed annuities fit into client portfolios.

[13:00] - How Hobby implements commission-free annuities for clients.

[15:58] - What prevents advisors from adopting a commission-free annuity model.

[17:57] - How Hobby served his clients before partnering with DPL.

[21:35] - How Hobby educates clients about annuities.

[24:23] - Hobby's strategy for keeping clients invested in today's volatile market.

[29:51] - A real-life example of how Hobby implements commission-free annuities.

[35:01] - Why advisors should consider commission-free annuities.

In this episode, DPL's Regional Vice President Jonathan Barth talks with Curtis Parry Jr., Founder and CEO of Unique Wealth. Also a wealth management advisor, Curtis offers world-class investment and wealth management expertise. He works exclusively with retired and upcoming retirees who need guidance and a trusted partner guiding them toward retirement. Curtis and his team at Unique Wealth offer their expertise in providing comprehensive financial planning and organizing clients' financial affairs.

Curtis talks with Jonathan about his strategies for helping retirees mitigate risk in their portfolios and how Unique Wealth's partnership with DPL Financial Partners has enabled him to expand his services and deliver better service to his clients.

Key Takeaways

[01:15] - A look at Curtis' journey to building an independent RIA.

[03:46] - The type of annuity Curtis believes is most beneficial.

[06:17] - Among the most promising candidates for annuities.

[08:46] - How clients use annuities in their financial planning.

[12:20] - How DPL has helped Curtis learn about different annuities.

[15:12] - What makes DPL's product solutions different from others.

[18:44] - Curtis' biggest aha moment after partnering with DPL.

Learn more about the index by downloading this White Paper here:

https://bridge.dplfp.com/l/514531/2022-10-10/8rzgjc

Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer of the fixed index annuity (the “Product”) and Barclays has no responsibilities, obligations or duties to purchasers of the Product. The Avantis Barclays Volatility Control Index (the “Index”), including as applicable any component indices that form part of the Index, is a trademark owned by Barclays. Barclays’ only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the “Index Sponsor”) without regard to the Issuer or the Product or purchasers of the Product. The Product is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the suitability of the Product or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, purchasers or to other third parties in respect of the use or accuracy of the Index or any data included therein.

The Avantis U.S. Quality Large Cap Index and the proprietary data related thereto (the “Avantis Index”) are the property of American Century Investment Management, Inc. (“American Century”) and are used under license by Barclays Bank PLC. Neither American Century nor any of its affiliates makes any representation, warranty or assurance, express or implied regarding the Avantis Index, the advisability of purchasing securities generally or the Product particularly or the ability of the Avantis Index to track general market performance or provide positive investment returns.

Neither American Century nor its affiliates are under any obligation or liability in connection with the Product. Inclusion of a security within the Avantis Index is not a recommendation by American Century or its affiliates to buy, sell, or hold such security, nor is it considered to be investment advice. American Century does not guarantee the accuracy and/or the completeness of the Avantis Index and American Century is not and shall not be subject to any damages or liability, direct or indirect, consequential or punitive for any errors, omissions, or delays in or related to the Index.

This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.

In this episode, DPL Consultant Scott Spurlock joins Willie Jones for a new segment of Advisor Revelations. Having the expertise and passion for helping firms grow while delivering the best outcome for clients, Scott and Willie talk about how to evaluate new solutions, address current challenges, and develop growth strategies in financial services. They also speak about the risk factors that can creep into a client's portfolio and how clients can have peace of mind, especially in uncertain and volatile markets.

Key Takeaways

•[01:38] - Why letting money sit in banks isn't a good idea.

•[02:55] - How investors are looking for better ways to allocate assets.

•[06:06] - Advisors' perspective on building fixed index annuities into clients' plans.

•[09:36] - How clients and advisors can overcome their fear of future portfolio returns.

•[11:21] - How to help clients cope with market volatility.

In this interview, Founder and President of MarketCounsel, Brian Hamburger, and DPL's Founder and CEO, David Lau, discuss best-practices during the height of the pandemic and post-pandemic, ways to remain a leader in the industry, and current trends for Breakaway firms.

DPL Consultant Bryce Thweatt joins Tim Rembowski for another segment of the Advisor Revelations. Before DPL, Bryce was an Account Manager for commercial and personal lines at a national insurance carrier. His drive for better client-driven outcomes brought him to DPL. Bryce is committed to ensuring RIA's can implement and utilize commission-free insurance to achieve the best outcomes for their client.

Bryce talks with Tim about the new solutions for growing AUM, the current challenges in the market, and strategies to help advisors grow their firm and create the best outcomes for clients.

Key Takeaways

[00:45] - What most advisors have to say about the current market.

[02:09] - How advisors can potentially replenish assets under management.

[05:22] - Using liquid index protect 5 to retain clients.

[07:31] - How advisors use cash or CDs to recoup some AUM.

[10:14] - Bryce’s advice to advisors who think they don’t have any clients with annuities.

[12:40] - How advisors are using the 1035 concept to differentiate themselves.

[14:21] - A fixed index strategy for diversifying portfolios.

[15:38] - What DPL can do to help advisors with their practice.

That’s why Wade Pfau developed the Retirement Income Style Awareness (RISA) assessment, a questionnaire designed to understand a client’s preferences when it comes to retirement strategies. Shannon Stone of Griffin Black has seen first-hand how the RISA has elevated her initial client conversations, spared her time and energy by eliminating non-viable options from the start, and even differentiated her services for prospective clients.

In this episode, DPL’s Ross McGoodwin talks with Wade and Shannon about developing the RISA, why psychological assessment is an essential first step, how the RISA has transformed Shannon’s approach to retirement income planning, and why the assessment helps both spouses have an equal voice at the retirement table.

Key Takeaways

[01:06] - A brief intro to Wade’s new tool and how Shannon’s implemented RISA into her advisory practice.

[02:37] - Why Wade developed the RISA.

[06:16] - Who pushes back against the RISA and why.

[09:15] - Why Wade chose DPL as a partner.

[13:11] - How Shannon previously approached retirement income planning and how the RISA has transformed those conversations.

[16:35] - How the RISA helps Shannon differentiate her services to prospective clients.

[19:50] - How Shannon puts the RISA results into actionable next steps.

[27:15] - Why the RISA allows both spouses a voice in the retirement conversation.

[29:52] - When clients should be exposed to the RISA.

[32:50] - When the RISA will be more available for advisors.

In this episode, DPL’s Tim Rembowski talks with DPL consultant Jake Markowitz about using Commission-Free annuities to differentiate your services, modeling these solutions for your clients to show how your solution compares to their existing insurance, and adding annuities to your marketing pitches without turning off prospective and existing clients.

Key Takeaways

[01:59] - Why DPL prevents advisors from losing assets and losing clients.

[04:17] - Why weeding out the competition is so important.

[07:36] - How to differentiate yourself in the annuity space.

[10:12] - How to speak to clients at traditional brokerage firms about why the commission-free model is their best bet.

[11:27] - Why addressing annuity solutions differentiates your firm.

[13:53] - How to market yourself using commission-free annuities.

[16:57] - Why marketing annuity solutions won’t turn off existing and prospective clients.

In this episode, DPL's Tim Rembowski talks with Shannon Stone, the Lead Wealth Advisor at Griffin Black. Shannon is the newest member of the Griffin Black advisory team. Having worked for wirehouse and municipal bonds firms, Shannon brings years of experience to her new position.

Shannon talks with Tim about the misconceptions around annuities and insurance, how she overcame them, and how she successfully implemented these investment strategies.

Key Takeaways

[00:54] - What Shannon thinks about annuities.

[02:40] - What made Shannon change her mind about annuities.

[08:40] - How Griffin Black learned that guaranteed income isn't just about performance.

[10:50] - What a conversation looks like between a client with and without an annuity.

[14:45] - Why annuities are a great addition to a portfolio.

[16:52] - How Shannon responds to clients' misconceptions about annuities.

While many retirees and financial advisors still have the misconception that annuity income is flat, there’s a dynamic new breed of annuities with built-in adjustments designed to combat inevitable inflation. DPL Consultant Kameron McRay works with advisors to model such annuities and help relieve them of those inflationary anxieties. 

Key Takeaways

[02:21] - How clients can offset inflation.

[04:47] - How advisors react to annuities with increasing income options.

[06:04] - How Kameron walks advisors through different annuity models.

[08:48] - What options clients and advisors have for more guaranteed outcomes.

[11:11] - Why incorporating any type of guaranteed income helps clients take on additional equity exposure.

[15:49] - What annuities improve that most advisors don’t anticipate.

[17:06] - A recap of today’s conversation.

In this episode, DPL’s Tim Rembowski speaks with DPL Consultant Kameron McRay about using annuities to provide clients with reliable income and how advisors can utilize tools to make having a conversation about annuities easier.

Key Takeaways

[05:10] - The big cost of waiting.

[06:40] - What types of clients can benefit from annuities.

[08:00] - Tools advisors can use to make client conversations easier.

[11:45] - The DPL process.

[18:00] - The #1 challenge for clients as they move into retirement.

[20:00] - Using commission-free annuities to attract new clients and additional assets.

[22:18] - Advisor feedback on discussing annuities with clients.

In this episode, DPL’s Willie Jones talks with DPL Consultant Scott Spurlock. Scott excels at helping firms deliver the best outcomes for their clients and achieve their financial goals too.

Scott shares how Commission-Free Fixed Index annuities (FIAs) can impact a client’s portfolio, specifically when used to help offset some of those long-term care expenses and how this cash flow can give clients more choice over how and where they receive care.

Key Takeaways

[01:43] - How advisors can use fixed income annuities (FIAs) as a bond alternative.

[06:08] - What advisors can do to help clients find peace of mind regarding long-term care, their portfolio, and preservation of assets.

[07:01] - How to fund this strategy using a portion of the client’s bond portfolio.

[12:39] - How to help clients ensure they can choose the type of care they receive and where they receive it.

[13:44] - What tools are available to help advisors implement these strategies?

In this episode, DPL’s Kameron McRay talks with Spencer Hall, President of Retirement Planning Services in Knoxville, Tennessee. Spencer and RPS’s mission is to equip clients to make wise financial decisions that align their wealth with their values.

Spencer talks with Kameron about the process of transitioning while keeping the focus on the clients’ well-being.

Key Takeaways

[06:50] - How clients can benefit during a period of transition.

[09:20] - Creating better client outcomes equals increased AUM.

[10:50] - Securing retirement income for very conservative investors.

[12:23] - What types of clients can most benefit from multi-year guaranteed annuities.

[13:20] - The evolution of the commission-free annuity marketplace.

[17:14] - What advisors should consider when implementing commission-free insurance and annuities into their firms.

[18:50] - How focusing on our mission as advisors can bring confidence and rest to our clients.

In this episode, DPL’s VP of Member Success, Tim Rembowski, speaks with RIA Consultant, Ross McGoodwin, about using RILAs to provide upside potential with a built-in layer of protection, something clients are seeking more and more in the current climate.

Key Takeaways

[02:13] - How advisors can de-risk a client’s portfolio but still provide meaningful returns.

[04:16] - Where RILAs fit between stocks and bonds.

[07:20] - The demographics of clients for whom buffered annuities may be a good fit.

[11:17] - Misconceptions about annuities.

[16:19] - A tool to show client’s the cost savings of RILAs.

[24:13] - Why RILAs can take the stress out of an advisor’s meetings with clients during volatile markets.

[31:15] - RILAs are very customizable.

Introducing the 1035 exchange, a fancy term referring to moving a client’s annuity into a lower-cost option. Plus, DPL’s invaluable annuity comparison calculator that’s along for the ride. While some are hesitant to embrace the 1035 exchange, the work DPL takes on for firms, from the front end to endless paperwork, ensures a seamless transition. And of course, increased revenue for your firm.

Key Takeaways

[00:56] - What a 1035 exchange actually is.

[01:18] - How advisors can discover what annuities exist for their clients.

[03:23] - Why firms are hesitant about going through a 1035 exchange and what DPL does on the front end to ensure a seamless transition.

[05:18] - How DPL tools can be implemented and their top benefits.

[09:40] - How DPL’s annuity comparison calculator analyzes every possible client outcome.

[14:54] - What advisors can expect from the DPL team after using the annuity comparison calculator or other helpful tools.

Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Key Takeaways

[00:30] - An introduction to Nick Mohlmann and Ross Fedenia.

[03:21] - What going independent meant for Ross and Nick and what “ah-hah” moment solidified their decision.

[05:37] - What Nick and Ross wish they knew before going independent.

[07:59] - How DPL helped Nick and Ross look at annuity cases and find alternatives to commission-free solutions.

[13:26] - Why DPL’s annuity comparison calculator is so valuable.

[16:41] - What the annuities and the fee-only landscape was like before working with DPL.

[18:06] - Strategies, products, and services Nick and Ross have implemented since working with DPL.

[22:37] - What advice Nick and Ross have for advisors looking to go independent and the top benefits for clients and advisors alike.

[25:58] - What Ross and Nick would say to advisors still on the fence about annuities.

Six months ago, interest rates were already on the rise and the road ahead looked far from promising. To address these rising interest rates, the MYGA (multi-year guaranteed annuity) became a simple solution, and the moment for changing minds on annuities had arrived. With interest rates skyrocketing and planning software backing the product, the value of annuities was simply impossible to ignore. One of Leslie’s advisors even described recommending annuities as his “fiduciary duty.”

Key Takeaways

[00:21] - A brief introduction to Leslie.

[01:24] - How Leslie and her team have successfully addressed rising interest rates.

[03:39] - How Leslie convinced advisors to value annuities.

[06:33] - What Leslie says to advisors who have no faith in insurance companies.

[07:41] - How advisors reframed annuities to their clients after advising against them.

[11:49] - How the shift to embracing annuities has impacted advisors.

[13:01] - Why advisors decided to charge a fee.

[13:59] - How clients responded to the annuity push.

[15:13] - Why the MYGA marketplace is incredibly valuable.

[17:03] - Why there’s a cost to waiting on annuities.

[21:21] - What challenges Leslie’s ready to tackle next.

Then, something shifted. A professor in the annuities space published an article describing how a major repricing with annuities changed the game entirely. As Tommy considered this point of view, his own perspective on insurance began to change.

Flash forward to 2008. In his early days introducing annuities to the conversation, Tommy had a client insure $1 million of her nest egg. As the market collapsed in ‘08, the client entered Tommy’s office in distress believing she’d lost more than $400,000. Because of that annuity, Tommy quickly pointed out that her safety net balance was still well over $1 million. That one moment of client relief solidified Tommy’s belief in the power of nest egg insurance. As the market dips, those with annuities continue on worry-free.

Key Takeaways

[00:51] - An introduction to Tommy and the origin story of Vestia Personal Wealth Advisors.

[03:10] - How Tommy started his career and why he finally embraced annuities.

[09:25] - What drives the annuity conversation with clients.

[12:15] - The link between annuities and a low-stress retirement.

[14:51] - The emotional side to financial advice.

[17:05] - Why commission-free insurance changes the narrative about annuities, and why Tommy decided to partner with DPL.

[23:56] - When to actually start talking to clients about annuities.

[28:27] - How advisors should start thinking about insurance products.

[30:22] - How working with DPL has enabled Tommy to employ strategies around annuities and ensure overall client success.

[35:57] - How to approach a conversation with clients on annuities.

[44:54] - Why a membership with DPL is worth it.

*Cogent Independent Advisors ("Cogent') is a Registered Investment Advisor. Deborah Ellis is a Investment Advisor Representative of Cogent. Nothing in this interview constitutes a solicitation to buy or sell any security or any financial product. Cogent can only do business with clients domiciled in states where authorized or exempt from authorization. Cogent is not a licensed insurance agency. Any reference to "annuity" or "insurance" refers to commission free versions of those products and is neither an endorsement nor a recommendation and are only available for purchase through a licensed insurance agency such as DPL. Use of flowery language should not be construed as a recommendation.

Download the '6 Risks That Might Threaten Your Retirement' here. Learn more at www.stonehearthcapital.com

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