Podcasts about allianz life

The integration of guaranteed lifetime income solutions into workplace retirement plans remains a hot topic among plan advisors, sponsors and participants. To get an idea of the current state of these efforts, we talk with Matt Stubblefield, Aggregator Channel Director at Allianz, who highlights some key findings from a new report by the Allianz Center for the Future of Retirement, part of Allianz Life Insurance Company of North America.The report that examines participant attitudes, preferences and demand for annuities in defined contribution retirement plans, and Stubblefield will share ideas on how plan advisors can put these learnings into practice to enhance their client offerings.Key Insights:Rising Demand for Lifetime Income SolutionsAllianz's research reveals that participants strongly favor guaranteed lifetime income options like annuities, with 86% preferring predictable income over managing a lump sum. This trend reflects growing concerns around market volatility, inflation, and longevity risk.Millennials and Diverse Groups Lead Interest in AnnuitiesMillennials show the highest interest in adding annuities to their retirement plans, followed by Gen X and Baby Boomers. Black, Hispanic, and Asian-American participants express more interest than white participants, showing a shift toward securing stable retirement income across demographics.In-Plan Annuities and Personalized Advice Are PreferredParticipants prefer contributing to annuities gradually via payroll deductions. They prioritize features like market protection, flexibility, and portability. Many view personalized advice and managed accounts as critical tools for effectively incorporating these products into retirement strategies.See Also:Solving the Portability Puzzle with Allianz Life's Ben ThomasonExploring Retirement Income Strategies with Joshua Grass and Todd LevyResearch Cited: The State of Lifetime Income: Participant Survey, conducted by the Allianz Center for the Future of Retirement in November 2024 with a nationally representative sample of 2,488 respondents aged 18+ who are currently contributing to an employer-sponsored retirement plan.Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America, its affiliated companies, and their representatives and employees do not give fiduciary, tax, or legal advice. Allianz does not provide financial planning services.Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company.Allianz Life Insurance Company of North America is not Affiliated with 401(k) SpecialistAllianz Life Insurance Company of North America (Allianz), 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5724 www.allianzlife.comFor institutional use only - not intended for use with the public.

The shift from pensions to 401(k)s, paired with uncertainty around Social Security, has left many retirees with less income and at risk of outliving their savings. Allianz, in partnership with Empower, is taking the challenge head-on. In this episode, Jack Sharry talks with Matthew Gray, Vice President of Employer Markets at Allianz Life. Matt is responsible for the company's employer markets and defined contribution business. He oversees all aspects of the company's strategy, distribution, marketing, product development, and more. Jack and Matthew discuss the convergence of workplace and wealth, how 401(k) plans evolve to offer better financial guidance, and how Allianz makes guaranteed lifetime income simple and accessible. Matthew also shares the challenges of retirement planning and how Allianz addresses the growing concern of retirees making less of their income and outliving their savings. In this episode: [01:30] - Matthew's role at Allianz Life [03:08] - How Allianz and Empower revolutionize retirement security [04:49] - Key trends shaping the future of defined contribution plans [09:13] - Allianz's guaranteed income solution [16:35] - The future of guaranteed income solutions [18:10] - The good news about lifetime income solutions [19:25] - Matthew's interests outside of work Quotes "Retirement is about generating more income and generating that income for longer. Unfortunately, the trends from moving from defined benefit plans to defined contribution plans, combined with challenges with social security, all point to maybe people getting less or not getting it for as long." ~ Matthew Gray "Our objective is to make guaranteed lifetime income more accessible and inclusive for a larger number of Americans who really depend on what they can generate from their employer-sponsored plan." ~ Matthew Gray "Lifetime income solutions aren't coming sometime in the future. They're already here. They're already in plans helping people and are available for sponsors and advisors who want to help their participants better prepare for retirement." ~ Matthew Gray Links  Mathew Gray on LinkedIn Allianz Life Empower Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Send us a textToday, I'm thrilled to introduce Topaz Morrison, Chief Growth and Chief Operations Officer at Independent Advisor Alliance, a leading hybrid firm strategically focused on empowering financial advisors to succeed as independent business owners by providing services that align with each advisor's unique needs and challenges. Since joining IAA in August 2023, Topaz has been at the forefront of shaping growth strategies, overseeing sales and consulting teams, and driving advisor adoption of innovative programs and services. I first sat down with Topaz in 2023 at the annual Schwab IMPACT Conference and included some highlights of our first conversation on this podcast. With an impressive career spanning leadership roles at Northwestern Mutual, LPL Financial, Allianz Life, and Ameriprise Financial, Topaz brings a wealth of experience and vision to the table. He's a proud graduate of Augsburg University with a BA in Business Managerial Economics and holds an MBA from the University of Minnesota's Carlson School of Management.But that's just the beginning.In today's episode, we dive into Topaz's fresh perspective as Chief Operations Officer at IAA, exploring how he's building on the strong foundation laid by founder and CEO Robert Russo. Despite joining the team recently in 2023, Topaz has quickly embraced IAA's mission and vision, contributing to its impressive growth trajectory—from just 7 advisors a decade ago to nearly 240 by the end of 2024. Together with Robert and team, he's driving the firm's commitment to the "supported independence model," empowering advisors to focus on their strengths while planning for their futures.Get ready for an energizing conversation with a rising leader and visionary thinker—right here, In The Suite.

Susan Winkler of CT IFS joins Paul Tyler as a guest host to discuss their interviews from InsureTech Connect (ITC) in Las Vegas. The podcast captures conversations with key industry leaders about AI innovation in the life and annuity sector, recorded during the conference. The episode features interviews with Nagesh Cherukupalli from Cognizant, who introduces the "Three I's" framework for AI implementation; Neeraja Rasmussen of SpyGlaz AI discussing sales optimization; Kumar Das Gupta from Allianz Life sharing carrier perspectives on AI investments; John Keddy from Lazarus exploring the concept of AI as a "Digital Coworker"; and Brent Williams of Benekiva providing market validation with concrete implementation metrics. Learn more at thatannuityshow.com 

Robert Powell, CFP®, is an award-winning financial journalist whose work appears regularly in USA TODAY, The Wall Street Journal, and MarketWatch. He is the editor and publisher of TheStreet.com's Retirement Daily and serves as editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal.Robert talks about the crisis facing tomorrow's retirees, who aren't preparing well enough to maintain their pre-retirement lifestyle; the ways that financial professionals can help; how an “elder plan” differs from a retirement plan; and why he has “the most depressing job in America.”See Robert on MarketwatchGo to Decoding Retirement podcastSee more retirement risk management insights from Allianz...Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website are being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Annuities can help you meet your long-term retirement goals by offering tax-deferred growth potential, a death benefit during the accumulation phase, and a guaranteed stream of income at retirement.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

Ludovic Subran is the Chief Economist of Allianz SE and Allianz Trade (formerly Euler Hermes). He's also worked for the World Bank, the United Nations World Food Program, and the French Ministry of Finance. And he's co-authored three books on markets and economics.Ludovic talks about why our perception of market volatility has changed from that of previous generations, the complexity of global market information, and the need for greater financial literacy.Subscribe to Ludonomics on LinkedInSee more retirement risk management insights from Allianz... Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website are being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.Diversification does not ensure a profit or protect against loss.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity

Christine Benz is the director of personal finance and retirement planning for Morningstar. Her new book, "How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement," explores the financial and softer emotional side of retirement.Christine talks about retirement portfolio planning and different income styles for the decumulation phase, the need to think of retirement as a series of stages and not as a hard stop, and how financial professionals can incorporate purpose and values into their conversations with clients.Go to the Morningstar website to learn more about Christine's book See more retirement risk management insights from Allianz ... Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website are being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Annuities can help you meet your long-term retirement goals by offering tax-deferred growth potential, a death benefit during the accumulation phase, and a guaranteed stream of income at retirement.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

In this inspiring episode of Run with Fitpage, we sit down with Chandramohan Mehra, the Chief Marketing Officer of Bajaj Allianz Life Insurance—a passionate runner and achiever who has completed all six major marathons worldwide. Join us as he shares his journey from his first race to conquering the global marathon circuit, revealing his unwavering drive to improve with every finish line.Listen in as Chandramohan discusses the transformative power of running and how it has shaped his approach to leadership in the corporate world. We explore how the discipline, resilience, and mindset required for running a marathon apply equally to excelling in business. He offers valuable insights for both runners and leaders, with advice on setting goals, overcoming mental blocks, and the importance of constantly striving for improvement.About Vikas Singh:Vikas Singh, an MBA from Chicago Booth, worked at Goldman Sachs, Morgan Stanley, APGlobale, and Reliance before coming up with the idea of democratizing fitness knowledge and helping beginners get on a fitness journey. Vikas is an avid long-distance runner, building fitpage to help people learn, train, and move better.For more information on Vikas, or to leave any feedback and requests, you can reach out to him via the channels below:Instagram: @vikas_singhhLinkedIn: Vikas SinghTwitter: @vikashsingh101Subscribe To Our Newsletter For Weekly Nuggets of Knowledge!

LaWanda Small v. Allianz Life Insurance Company of North America

Considerable resources have been devoted to solving the challenge of portability in retirement savings over the past few years, and the stakes are high to get it right and cut down on costly an unnecessary retirement plan leakage.In this episode, we talk with Ben Thomason, Head of Defined Contribution Distribution at Allianz Life Insurance Company of North America, to explore the importance of portability and the unique challenges it poses when it comes to in-plan guaranteed lifetime income solutions.Thomason dives into the complexities of why portability matters for participants, preserving benefits, maintaining guarantees, and navigating the challenges of transferring retirement assets across plans and IRAs. He also talks about key factors advisors need to consider when assessing different in-plan guaranteed lifetime income options.Key Insights:Here are three concise key insights from the podcast episode:Technology's Role in Portability: Middleware technology is vital for maintaining seamless connectivity between record keepers and product providers, enabling easier portability of guaranteed lifetime income products and ensuring a consistent participant experience during transitions.Importance of Portability: Portability of retirement savings is crucial as workers frequently change jobs. In-plan guaranteed lifetime income solutions, such as annuities, need to ensure participants can transfer their benefits seamlessly without losing guarantees or facing disruptions.Product Design and Portability: Products designed as individual contracts offer significant advantages in portability over group contracts, as they maintain consistent benefits and guarantees when moved between plans, reducing administrative complexity and costs.

On this episode, we're joined by Nick Lieser from Allianz Life to learn about their internship program. Nick talks about what he loves about working at the company, shares feedback from former interns and more.

The retirement landscape is undergoing a dramatic shift, characterized by unprecedented challenges such as increased longevity and unpredictable market conditions. Traditional retirement models centered solely on wealth accumulation are no longer sufficient. A more holistic approach is imperative to effectively manage risks, generate sustainable income, and ensure financial security throughout retirement.To explain this transformation, joining us on the 401(k) Specialist Pod(k)ast are a pair of well-versed subject matter experts in Joshua Grass, CFA, Senior Strategic Accounts Associate at Allianz Life, and Todd Levy, Managing Director, RIA, with The Retirement Plan Company.Josh and Todd share thoughts on how the landscape is changing, the new challenges emerging, how to adapt strategies that prioritize the creation of a sustainable income stream for retirees, and how to address participant concerns about retirement income planning.Key InsightsEvolving Retirement Landscape:Retirement planning is shifting from a primary focus on wealth accumulation to a more holistic approach emphasizing risk management and sustainable income due to increased longevity and demographic changes.New Strategies for Retirement Income:Industry experts highlight the importance of guaranteed lifetime income solutions, such as annuities, which provide stability and protection against market downturns, ensuring a reliable income stream throughout retirement.Participant Concerns and Industry Response:Many participants fear outliving their savings more than death itself. The industry is responding with services and products that offer personalized advice, inflation protection, and easy-to-understand income strategies, improving participants' financial confidence and retirement security.Research cited in the podcast:Alliance for Lifetime Income, “Welcome to the Peak 65® Zone – A New Chapter in American's Retirement Landscape,” January 2024Allianz Life conducted an online survey, the 2024 1Q Quarterly Market Perceptions Study, in February 2024 with a nationally representative sample of 1,005 individuals age 18+The Allianz 2024 Annual Retirement Study, conducted online in February and March 2024 with a nationally representative sample of 1,000 individuals age 25+ in the contiguous U.S. with an annual household income of $50k+ (single) / $75k+ (married/partnered) OR investable assets of $150k+U.S. Social Security Administration, Period Life Table, 2020, as used in the 2023 Trustees ReportAllianz Life Insurance Company of North America does not provide financial planning services.Allianz Life Insurance Co

The relatively new category of buffered or “defined-outcome” ETFs has grown to $30 billion in assets, with more than $10 billion in inflows in 2023 alone. Amid significant uncertainty surrounding the Fed's trajectory for rate cuts, geopolitical tensions, and a presidential election year, investors are seeking new ways to mitigate risk in their portfolio while still participating in the returns of the equity market. AllianzIM entered the ETF market in 2020 to address this need with a growing suite of buffered ETFs. Buffered ETFs are a powerful tool for advisors and their clients to reduce volatility and diversify a traditional allocation.Show ResourcesHere is a link for more information about Johan and Alianz:Allianz website- https://www.allianzim.com/Buffered ETF resource library- https://www.allianzim.com/resources/Allianz Life's Q4 Quarterly Market Perceptions study- https://www.allianzlife.com/about/newsroom/2024-Press-Releases/Fewer-Americans-are-Optimistic-About-the-Economy-in-2024 Equities are the building blocks of any successful portfolio. Advisors must understand the best way to wield equities if they want to succeed. Join VettaFi and other industry-leading experts on Wednesday, MARCH 13 for their “Equity Symposium!” Register for Free at etftrends.com/webcasts/equities-symposium-2024

Unlocking the Door to Broader Adoption of Guaranteed Lifetime Income in 401(k)s: Matt Gray and Todd LevyGuaranteed lifetime income remains a hot topic in the workplace retirement plan market and there are plenty of factors at play these days that are helping these solutions gain traction—and more widespread adoption—in 401(k) plans.Matt Gray, Assistant Vice President, Workplace and Middle Markets at Allianz Life, and Todd Levy, a “first mover” for lifetime income in DC plans who is Managing Director of RIA for The Retirement Plan Company, join the 401(k) Specialist Pod(k)ast to discuss how these products are evolving to meet the wants and needs of 401(k) participants.

Suzanne Siracuse is the former CEO and Publisher of InvestmentNews, where she oversaw a transformation in the news business and supported the evolution of the financial guidance profession. Suzanne now advises on game-changing trends that affect the financial services industry.Suzanne discusses how financial guidance has changed, what financial professionals can do to grow their business right now, and her predictions for what the industry will look like in the future.Go to Suzanne Siracuse's website See more retirement risk management insights from Allianz...Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website is being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

Bob Toth is an employee benefits attorney specializing in retirement income. He's practiced employee benefits law for 40 years, focusing on the design, administration, and distribution of financial products and services for retirement plans.Bob talks about the changing expectations for employer-sponsored retirement plans, what you should know to offer your clients guidance about annuities in 401(k) plans, and what he sees as the next innovation coming to employer retirement benefits.Go to Bob Toth's websiteSee more retirement risk management insights from Allianz...Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website is being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.Any transaction that involves a recommendation to liquidate a securities product, including those within an IRA, 401(k), or other retirement plan for the purchase of an annuity or for other similar purposes, can be conducted only by individuals currently affiliated with a properly registered broker/dealer or registered investment advisor.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

Lacy Garcia is the founder and CEO of Willow, the award-winning WealthTech platform that helps financial professionals and firms better serve tomorrow's investors. With a career at the intersection of financial services, women's empowerment, and education, Lacy understands the challenges of meeting the needs of a more diverse generation of clients.Lacy discusses her journey to financial services; the changing demographics of investors; and how financial professionals can prepare for the next generation of clients.Follow Lacy Garcia on Linkedin See more retirement risk management insights from Allianz... Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website is being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

Joel Bruckenstein, CFP®, is globally recognized in the field of applied technology for financial professionals. He is the publisher of the T3 Tech Hub and the producer of the Technology Tools for Today Advisor Conference. Joel talks about the ways technology has changed financial service, what tools you should stop using, and how you can use fintech to complement your guidance.Go to Joel Bruckenstein's websiteReceive $200 off your registration for the 2024 T3 Conference using discount code ALLIANZ200. (1)Go to T3 Conference registration...(1) Registered representative participation in this event is subject to your broker/dealer's approval.Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website is being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

Strategic partnerships and investments with innovative fintech and insurtech have emerged as key strategies, empowering financial institutions and insurance companies to harness cutting-edge technology and drive transformative change. Allianz's investments in financial and insurance technologies open up a world of possibilities, allowing the company to develop innovative products and services while leveraging its networks and resources.  In this episode, Jack talks with Chad Virgin, Managing Director at Allianz Life Ventures. Since 2018, Chad has been part of Allianz Life Ventures, the corporate venture arm of Allianz Life Insurance Company of North America. As managing director, he is responsible for the program's strategic direction and seeking opportunities for strategic partnerships with innovative startups.  With a focus on the fintech landscape, venture capital, impact investing, and corporate innovation, Chad talks with Jack about the role of venture capital in fueling growth and innovation in the insurance and financial industries. He emphasizes the importance of personalization and customization in meeting client demands and highlights the need for defined outcomes in retirement planning. Key Takeaways [01:23] - An overview of Chad's role at Allianz. [03:42] - What Allianz believes to be the current wealth management trends. [05:21] - The partnerships Allianz has with other companies. [08:18] - Allianz's process for discovering and evaluating investment opportunities. [10:22] - The opportunity generative AI brings to the industry. [12:44] - Chad's unique path to becoming a venture capital guy. [14:29] - What Chad perceives as the future of the wealth management industry. [15:30] - Chad's key takeaways. [18:00] - Chad's interests outside of work. Quotes [04:32] - "Personalization means something different to everybody. But here at Allianz Life, we are passionate about creating defined outcomes for clients." ~ Chad Virgin [04:39] - "Clients have experienced volatile markets over the last 10 to 15 years. With the financial crisis and then coming out of COVID and in the market we're in today, people need defined outcomes when investing for retirement." ~ Chad Virgin [10:57] - "Being open-minded to the change and the disruption is going to be critical. With generative AI, the world's going to be completely different. But we believe that the human is definitely going to continue to be at the center of the equation." ~ Chad Virgin Disclosure Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions. Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.com Allianz Life Insurance Company of North America is an investor in LifeYield. Links  Chad Virgin on LinkedIn Allianz Life Ventures  Allianz Life Halo Investing Vestwell Aaron Schumm Jud Mackrill Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Howdy, y'all, and welcome to The Cyber Ranch Podcast!  We're joined today by Jacqueline (AKA “Jack”) Powell, CISO at Allianz Life and former Deputy CISO at Hanes.  She has also consulted, and has worked at Chevron, General Dynamics, and SACI.  Jack has an illustrious career!  Jack is here today talking with Allan about the new SEC regulations about cybersecurity.  For our listeners, the final version of the SEC ruling came out in late July, and publicly traded companies in America have 5 months to comply.  Mid-December is when the switch gets thrown… Topics covered in this show: The new ruling and tell me its highlights Disclosure Risk Management Board expertise What are the implications of the disclosure rules?  What are the challenges businesses face?  What tools can be leveraged? It seems that “materiality” is the key term upon which all of this pivots. That term has definition and precedence in financial circles, but how is a cybersecurity professional to interpret it? What are the implications of the Risk Management rule? If you work with a cybersecurity framework like NIST CSF, for example, you've already got at least the basics in place? And now we get to Board Expertise… CISOs are all anticipating getting board roles overnight, but it's not that easy. NACD in conjunction with CISA put some material together. How should CISOS prepare themselves to be ready for a possible board role?

Lifetime Income Solutions in 401(k)sAllianz Life's Joe Hendrickson and AmericanTCS' Brian Lenz Discuss Market MomentumIn-plan guaranteed lifetime income solutions, such as annuities, have received plenty of attention in the wake of the SECURE Act of 2019 and 2022's SECURE 2.0 legislation, which made it significantly easier to add these types of solutions into 401(k) plans.Here to talk about how these solutions are being adapted for defined contribution plans – and how they are being presented in the real world to 401(k) participants – we have Joe Hendrickson, Vice President of Strategy & Relationship Management at Minneapolis-based Allianz Life Insurance Company of North America (Allianz) and Brian Lenz, Chief Sales Officer at AmericanTCS, an early adopter bringing lifetime income options to plans sponsors and participants.The discussion includes how the market is changing, how the solutions are being implemented at the plan-level, the challenges being faced in bringing these solutions to participants, and how to help them understand the products and the 5-year outlook for lifetime income solution adoption in the employer-sponsored retirement plan market.

Talking Guaranteed Lifetime Income Solutions with Allianz Life's Michael De FeoGuaranteed lifetime income in retirement plans is a hot topic these days, with study after study revealing that Americans want to know more about it and view these products as a good fit to help them reach their financial objectives.While 401(k) plan sponsors are showing increasing interest in adding guaranteed income products to their benefit programs, there's still a lot of confusion surrounding what they are and how they work among retirement plan advisors and plan sponsors alike.To help us sort it all out and understand what's happening in this growing market, we are joined by Michael De Feo, Head of Defined Contribution Distribution at Minneapolis-based Allianz Life Insurance Company of North America, which has recently expanded into the defined contribution market as more Americans say they want guaranteed income options in their employer-sponsored plan.De Feo shares his insights about how the SECURE Act and SECURE 2.0 has spurred innovation in guaranteed lifetime income product design, the barriers to widespread adoption these products still face, and a shift toward more personalization through managed accounts and hybrid plan design.---------------1 Institutional retirement reference guide, LIMRA, 2022.2 U.S. Defined Contribution Distribution 2022, Cerulli & Associates, 2022.This content is for general informational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Medicare or Social Security benefits. You are encouraged to consult with your own legal, tax, and financial professionals for specific advice or product recommendations, or to go to your local Social Security Administration office regarding your particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIFProducts are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (C64712-MVA)Product and feature availability may vary by state and broker/dealer.

Anna ist Vorstandsmitglied der Allianz Life und ist mitverantwortlich für das Milliardengeschäft mit Lebensversicherungen in den USA und China. Ihr Lebensweg ist alles andere als geradlinig verlaufen.

Now. With more than 25 years in the financial services industry, Jasmine Jirele is the president and CEO of Allianz Life Insurance Company of North America (Allianz Life). She has broad experience in financial services strategy, marketing, product, and operations. Then. Prior to becoming CEO in 2021, Jirele led the Growth and Marketing team where she was responsible for strategy, new markets, global business development, product innovation, marketing, digital and experience management, Allianz Ventures, strategic communications and sponsorships, and enterprise Agile. She also has previous experience as executive vice president at Wells Fargo. And ... Jirele holds a B.A. in business and journalism from the University of St. Thomas (Minnesota) and an MBA from Hamline University (Minnesota). She is a Director of Allianz Australia Life Insurance Holdings and Allianz Australia Life Insurance Limited. She sits on the board at ACLI and is a member of the Steering Committee on Taxation and the Committee on Prudential Issues. Jirele is on the board of YMCA of the North and Blue Cross Blue Shield of Minnesota, for which she is a member of the Corporate Investment & Development Committee and Technology & Operations Committee. She also sits on the board of the Minnesota Business Partnership and serves as an advisor for the Washburn Center for Children's Equity, Diversity, and Inclusion Committee. She is also a member of the Strategic Board of Advisors at University of St. Thomas' Opus College of Business, and the LIMRA LOMA Global Board, for which she is a member of the Audit Committee and Membership Committee. She holds FINRA Series 7 and Series 24 securities registrations. Highlights from the Show Jasmine is the President & CEO of Allianz Life, the North American business of Allianz, focused on the future of retirement in this market Jasmine's background gave her experiences across functions within the business, which has been invaluable leading the organization overall Being distributed through Financial Professionals primarily, that meant Allianz Life faced a major impact on how their business is sold during the pandemic As you move more digital, how do you keep that proximity and relationship with customers but also take advantage of digital and remote to enable and deliver the content and exchange of information that was necessary during the pandemic The big change from the pandemic is that people saw first hand the importance of life insurance and the protection it provides The digitization of how relationships between financial professionals and their clients work together has allowed for the person-to-person interactions to be more purposeful and focused because people can take care of a lot of the logistics and paperwork digitally, remotely and asynchronously The increase in digital interactions has actually resulted in more women seeking and getting access to financial advice, which is good as women have been underserved in this space For Allianz's people, there's been a need to get savvy on digital tools quickly, and to be able to train financial professionals on them and work in a more hybrid manner with those advisors Looking forward, Jasmine sees a few ways the Life and Annuities world will change, with a theme of being more holistic or complete This episode is brought to you by The Future of Insurance thought leadership series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of UPbeat Music, available to stream on Spotify, Apple Music, Amazon Music and Google Play. Just search for "UPbeat Music"

Tammy Lee, Chief Claims and Health Solutions Officer, from Allianz Life Insurance Malaysia Berhad, shares more details about the latest service extension of Allianz Care@Home and how eligible customers can get medical attention in the comfort of their own home.

I was reading some information today about the pending recession and inflationary fears. What I found was really intriguing. One big question about our economy is whether or not we are in a recession at all. While we did reach the off-hand standard of two consecutive quarters of negative economic growth, there are other factors, such a strong labor market, that negate the idea that we are in a downturn. Also, according to a very interesting survey by Allianz Life, different segments of the population are responding to the possibility of a recession differently. UBS believes there is a 40% chance the US will enter into a survey by the end of the year, and different groups are preparing in very different ways. In today's episode of The Dr Boyce Breakdown, I explain the results of this survey, where our economy stands and how you can best prepare for any pending recession or economic downturn. You can find my podcast on Spotify by searching for The Dr Boyce Breakdown and also join us everyday at http://TheBlackFinancialChannel.com. #recession #inflation #Investing

In a rapidly changing industry, Allianz Life has been able to stay ahead of the curve and emerged as one of its most innovative and thriving companies. While technology has undoubtedly been instrumental in this transformation, Allianz has built upon four cornerstones that have contributed to its success.  In today's episode, Jack talks with Corey Walther, President of Allianz Life Financial Services. Corey is responsible for the business results, strategic direction, sales execution and distribution for several Allianz Life Insurance Company product lines. He is also passionate about leading teams and developing strategies that help identify and implement opportunities to improve sales, service delivery, and profitability. Corey talks with Jack about the 4 Ps of growing a business, the secret to Allianz's continued growth and success, and how technology is changing the game of wealth management. Key Takeaways [01:16] - The key role Corey plays at Allianz Life Financial Services. [02:40] - How the wealth management and annuity industries have evolved over time. [05:30] - The 4 Ps of growing a business: Process, Performance, Partnership, and People. [10:01] - The secret to Allianz's continued growth and success. [13:39] - How technology is a game-changer for wealth management. [16:46] - How Corey helps advisors embrace the opportunities presented by technology. [21:27] - What the future holds for wealth management. [24:18] - Corey's three key takeaways. [25:10] - What Corey enjoys outside of work. Quotes [14:54] - "Technology, in general, has been a game-changer for our industry. And, quite frankly, not just for insurance and annuities but also for our clients. I just couldn't be more excited and bullish about what we can do with technology being the epicenter of really helping our industry and this country improve livelihoods for so many households across the country." - Corey Walther [17:22] - "In our world, it's not just about solution selling. It's about starting with the conversation that a financial professional might be having with an investor and that financial planning approach. And then it's how do we best fit that goals-based planning conversation to be able to demonstrate where does an annuity fit and where does it not fit." - Corey Walther [24:26] - "As a financial advisor and professional investor, make sure that you're incorporating and thinking about risk management strategies, not just investment management, but risk management." - Corey Walther Links  Corey Walther on LinkedIn Allianz Life RBC Wealth Management Jasmine Jirele Walter White Carlson School of Management Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Today we're hosting Kenneth Giles – an expert on Financial Modeling and Investments who also holds a bachelor's in Actuarial Science and Economics.Kenneth worked for three years as an Actuarial Analyst at Allianz Life and then founded SimBull in September 2020 to create a new form of sports investment. SimBull is the stock market for sports allowing fans to profit from their sports knowledge by trading shares of teams.The platform was designed to lower gambling fees, create long-term investing in the sports industry, and develop a new form of sports entertainment centered around the stock market.We talked about the story and foundation of SimBull, the features, concept, and product roadmap. Finally, we discussed the business model, economics, and market that SimBull created.Come snack with us!Promo: If you sign up for SimBull in May, you'll get $10 when you open an account. Plus, if you deposit with the promo code “Ronen” you'll get a $500 money-back guarantee for three months. You can try the market completely risk-free, meaning you can keep it if you make money. We will refund it in the first three months if you lose money!Listen on Apple | Spotify | GoogleFollow The Halftime Snacks Podcast on Instagram, Twitter, and LinkedIn to get all future updates on the show!Apply to be a guest on the Halftime Snacks Podcast here.Leave a review on Apple Podcasts.Learn more about the intersection between sports, business, and technology by subscribing to the Sports-Tech Biz newsletter.

Allianz Life's President & CEO Jasmine Jirele discusses her newly appointed leadership, vision, and aligning investments to values. 

Greg Goin CFP®, CIMA®, CLU®,CRPC®, is the Regional Vice President of RIA Markets at Allianz Life. Schyler Adams, CFP®, is the Director of Advanced Strategies and Planning Platforms at Allianz Life. Alongside Hannah Moore, CFP®, they dive into how their CFP® training brought them to unexpected roles and how professionals can look for their dream work in unexpected places.

Agnieszka begrüßt in dieser Folge Anna Sophie Herken, Business Division Head bei der Allianz Asset Management GmbH und Aufsichtsrätin bei der Allianz Life. Die beiden sprechen über das Thema Nachhaltigkeit und die ESG-Kriterien, wie nachhaltiges Investieren genau aussieht, warum das Thema gerade jetzt so relevant geworden ist, wie die Regulatorik in diesem Bereich zu tragen kommt und welche Unterschiede es bei der Betrachtung von Nachhaltigkeit in Europa, den USA und China gibt. ▶ Die Themen im Überblick: --- • Wie lassen sich Begriffe wie ESG, Green Finance oder Impact Investing definieren? • Warum ist Nachhaltigkeit gerade jetzt ein so relevantes Thema geworden? • Wie steht es um regulatorische Entscheidungen in diesem Bereich? • Was muss ein Unternehmen erfüllen, um nachhaltig zu sein? • Wie lassen sich Unternehmen auf Nachhaltigkeit bewerten? • Welche Unterschied gibt es bei der Betrachtung von Nachhaltigkeit in der EU, den USA und China? • Braucht es einen globalen Ansatz für Nachhaltigkeit - und wie realistisch ist eine Umsetzung? • Wie wird Sustainable Finance im Jahr 2031 aussehen? --- ▶ Alle weiteren Infos und Folgen hier: www.femalefuturefinance.creativeconstruction.de --- ▶ Feedback, Fragen, Wünsche und Ideen an: podcast@femalefuturefinance.de

A just-released study from Allianz Life analyzed what financial advisors consider the most significant threats to their clients' retirement security. It also looked at the solutions and tools advisors are exploring to help mitigate these risks. One of the key findings was that 88% of advisors said it is more

On this episode we speak with Nicoshia Wynn the Founder and Executive Director of Relentless Academy. Relentless Academy is dedicated to providing affordable and accessible S.M.A.R.T. (Science, Math, Art, Reading, Technology) programming which includes music and financial literacy instruction for underserved youth. For more information, or to register your child, visit their website. Nicoshia has always had a love and passion for youth, art, and education. She grew up  in Milwaukee and attended arts schools, a thriving boys and girls club (Sherman Park),  played basketball, and loves music. Over the years, Nicoshia has demonstrated  excellence in service. She has mentored youth, developed youth mentoring programs,  supervised youth summer and after school programs, volunteered for programs  involving underserved youth, and has coached girls’ basketball camps and high school  programs.  She is a singer, songwriter, recording artist and has worked in various capacities in  ministry with various denominations and organizations as a Consultant, Executive  Pastor, Worship Pastor, and as a Youth Pastor.  Professionally, Nicoshia has over 20 years of experience working in higher education,  K-12 education and corporate in various capacities in human resources, consulting,  leadership and organizational development, and equity, diversity and inclusion. She is  currently working as a SR. Human Resources Consultant at Allianz Life of North  America.  She obtained her Bachelor of Business Administration degree from the University of  Minnesota-Duluth as well as her Masters in Management degree from The College of  St. Scholastica. She is married and has three beautiful children. She resides in the Twin  Cities and is a proud member of Delta Sigma Theta Sorority, Inc. Featuring music by Nicoshia Wynn with her song "Relentless Worship."Support the show (http://www.momsdishmn.com)

Cecilia Stanton Adams, Chief Diversity Officer at Allianz Life joins the show to discuss Diversity and Inclusion.  Guests:Cecilia Stanton Adams - Chief Diversity Officer @ Allianz Life Hosts:Mike Thul - linkedin.com/in/thulmichaelJessie Novey - linkedin.com/in/jessienovey INTERESTED IN SPONSORSHIP? Please email tcshrmpodcast@gmail.com Twin Cities Society For Human Resources: Recognized as one of the nation's largest SHRM (Society for Human Resource Management) chapters, TCSHRM is based in the Twin Cities of Minneapolis and St. Paul, Minnesota. With an ongoing calendar of events, we are an active SHRM group always looking to promote, influence, and educate our members through multiple channels.Join Us! Become a TCSHRM Member. https://www.tcshrm.org/Thank you for listening, and if you enjoy this podcast please consider leaving a review as it helps us reach more listeners.  © MMXX TCSHRM. All Rights Reserved. For Personal Use Only.

The BFSI sector forms the bedrock of every country's economy and it needs to be insulated from this mayhem caused by COVID-19. Digital transformation and personalization have become critical insulating layers for BFSI brands, helping them pursue a digital-led recovery. To learn how the insurance sector is responding to this challenge, we caught up with a noted industry leader in Karin Zulkarnaen, Chief Marketing Officer at Allianz, Indonesia. Allianz Group is one of the world's leading insurers and asset managers with more than 100 million retail and corporate customers in more than 70 countries. Allianz started its operations in Indonesia with a representative office in 1981. In 1989, Allianz established PT Asuransi Allianz Utama Indonesia, a general insurance company. Furthermore, Allianz entered the Indonesian life and health insurance market, as well as pension funds by opening PT Asuransi Allianz Life Indonesia in 1996. In 2006, Allianz Utama and Allianz Life started sharia insurance business. Supported by more than 1,300 employees and a network of more than 30,000 sales professionals as well as bank partners and other distribution channels, today, Allianz in Indonesia is one of the leading insurance groups in the market trusted to protect more than 9 million insured. Karin highlights the following: The impact of COVID-19 on the insurance sector The dire need for BFSI brands to be customer-centric The value in BFSI brands adopting a resilient omnichannel marketing strategy The power of personalization in the BFSI sector The best practices to ace personalization, especially in regulated industries Tune in to understand how a global leader like Allianz is using predictive analytics and data science to deliver exceptional customer experiences in the insurance sector.

On this episode of The Alliance U PRODcast, Allianz's David Gruenzner introduces the IUL Life Pro+ Advantage product. Learn how this product can help clients with tax-free retirement and savings.  www.NAAUniversity.com www.AndyAlbright.com @AndySAlbright www.NAALeads.com @NAALeadsTheWay @NationalAgentsAlliance #TheAlliance #DoTheDo #N247RU

Is another recession coming? How can you protect yourself? A new study from Allianz Life says that 48% of middle class americans fear a major recession, which is higher than it was last quarter. What are you doing to prepare? The Street is calling for a "Target Income Fund" to be created, but what does it do? Alan walks us through what the creation of the fund would accomplish and how it would benefit investors already in retirement. If you had at least a million bucks in your various accounts, would you consider yourself to be “wealthy”? Ameriprise Financial put that question to a group of people who each have between one-and-five million dollars…and the overwhelming majority (83%) said they don’t feel wealthy. Why do you think that is?

In a recent Allianz Life survey, more than 75% of people age 44 and up said that they fear outliving their money more than death! Real estate investing is one of the best ways to generate the kind of passive income that can take away that fear, but most of us don’t have the time or the talent to identify a good property, renovate it, find a tenant, get it cash flowing and manage the asset long-term. Is there a way to invest in out-of-state rental properties and earn mailbox money without being actively involved in the process? Maureen McCann is the VP of Sales and Marketing at Spartan Invest, a turnkey real estate investment firm based in Birmingham, Alabama. Spartan has made the Inc. 5000 list of fastest-growing companies in the US four years in a row. Today, Maureen joins Oliver to explain the benefits of turnkey investing in out-of-state properties, discussing how Spartan Invest identifies markets for cash flow and what criteria the team uses to select investment properties. Maureen offers insight around the Spartan approach to renovating single-family homes and describes how the business collects recurring revenue on each sale through property management. She also addresses the different ways to buy out-of-state investment properties, from traditional financing to leveraging a retirement savings account. Listen in to understand how Maureen’s team is using Shopify to sell real estate and learn how her turnkey business helps clients generate cash flow and live a worry-free life! Key Takeaways [0:39] The fundamentals of turnkey investing Way to help investors create passive income Seller finds, renovates and manages property [1:42] How Maureen got into real estate 15 years in pharmaceutical sales (quiet discontent) Real estate flipping bootcamp, masterminds Started pitching real estate to doctors on route Offered position as consultant at Memphis Invest [8:31] Maureen’s transition from 9-to-5 to real estate ‘Say YES and build airplane on way down’ Left W-2 during divorce, near bankruptcy Show kids how to get back up + keep fighting [16:26] How Maureen identifies markets for cash flow Job creation and population growth Diversity of industry (stable economy) [18:09] How Maureen identifies investment properties Look at crime rate, school rankings + average income % of renters vs. owner occupants (40% to 50% ideal) Properties in B class areas with no signs of blight [23:05] How much Spartan Invest puts into renovations Focus on distressed but not dilapidated properties Invest $30K (defer maintenance as long as possible) [27:56] How people typically buy homes with Spartan Invest 75% use conventional financing Retirement accounts [38:17] The drawback of investing with retirement funds Set aside reserves for deferred maintenance [41:51] How Spartan Invest handles vacancies System in place to get back on market quickly Only 4.2 days to get property ready to rent [45:45] The Spartan Invest referral program $1K per door referral fee [52:21] Maureen’s latest international turnkey venture Help foreign service officers invest stateside Teach masterclass at embassies [53:05] How Maureen’s team is leveraging Shopify Available properties listed in one place ($30/mo) Investor gets link + password, reserve through site Connect with Maureen Spartan Invest Spartan on Facebook Spartan on Twitter Spartan on Instagram Spartan on LinkedIn Maureen on LinkedIn Connect with Oliver Big Block Realty Oliver on Facebook Oliver on LinkedIn Resources The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko FortuneBuilders Richard Branson Bay Pointe Capital Gold Coast Capital Equity Trust Company Specialized IRA Services Historical Wealth Transfer Article in Business Insider ‘Outliving Your Money’ Study by Allianz Life Grant Cardone Shopify Roofstock Easy Notify Slack

A new study from the Association for Financial Professionals found that more than half of treasury and finance professionals believe robotic process automation will have a moderate or significant impact on their work. Yet only 14 percent said they are confident their organizations are ready for risks that come with RPA. You can download the full report at AFPonline.org/RiskSurvey. Today's guest, Sarah Schaus, is ready for RPA. In fact, her treasury team has embraced it, successfully implementing robotic process automation. Schaus is assistant treasurer at Allianz Life.

Guest co-host Jamie Plesser - director, Interactive Marketing Strategy and Execution at Allianz Life - joins Arik and Kevin. The topics they discuss include Facebook's Instant Articles, the state of search marketing and why the social media manager might need to step up. Plus, Adobe takes the Talking Points spotlight with an innovative use of audio, and Arik talks about having to fire a client.

Laura Pucker is the reigning Mrs. US America 2009. This year Laura's platform "Cheering on Our Children" has allowed her to work with The Boys Town group in Palm Beach County. Her platform will bring awareness and education to kids regarding the importance of staying in school and good health with regular fitness. Currently, Laura has been judging all over the country at competitions for dance, cheer, and several different pageant systems. She has been happily married for approximately for year and a half to Jeff Pucker, RVP of South Florida for Allianz Life. www.myspace.com/mrsusamerica2009