Podcasts about Aon

Succession planning isn't just about stepping away; it's about protecting the future of a CPA firm, ensuring smooth leadership transitions, and maintaining client trust and operational continuity. Alvin Fennell and Stan Sterna from Aon join us to discuss how firms can mitigate risk when going through a leadership transition. Topics discussed:1:16 – How a strong, proactive succession plan helps small and midsize firms manage professional liability risk5:07 – Risk considerations for firms entering into a private equity deal10:40 – How firms can ensure continued client service during a leadership transition16:46 – The role of legal protections and buy-sell agreements during a firm transition25:01 – Insurance considerations Resources:Firm management and succession planning articles and eventsLearn more about Aon

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews Chris Reilly about his insurance career and how you came to join and lead Link USA. They also cover RISKWORLD 2025 and the DE&I Studio, where Chris was on a panel. Chris talks about how he volunteered for the DE&I initiative at Amwins and how it has grown over the years. Chris does not believe the current anti-DE&I rhetoric will continue for long, in light of the existing Title VII and EEOC protecting employees and applicants against employment discrimination. Chris believes organizations know what is right, and that they will do better with a strong DE&I program in place, reducing reliance on EPLI coverage. The conversation concludes with information about Link USA's upcoming events.   Listen to learn more about supporting Diversity, Equity, & Inclusion efforts in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic is inclusivity in risk management and we will be joined by Chris Reilly, the National Co-Chair of Link USA, and Senior Vice President and National Practice Leader at Amwins Group Benefits. [:45] RIMS-CRMP Workshops! Register by July 1st for the next RIMS-CRMP Virtual Workshop, which will be co-led by Parima. That course will be held on July 8th and 9th. [1:02] The next RIMS-CRMP-FED virtual workshop will be led by Joseph Mayo on July 17th and 18th. Register by July 16th. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:20] RIMS Virtual Workshops! On June 26th. Pat Saporito will return to present the very popular new course, “Generative AI for Risk Management”. [1:32] A link to the full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:43] Starting on July 16th, James Lam will host a six-module course, the RIMS-CRO Certificate in Advanced Enterprise Risk Management. This is a bi-weekly course that will run through Wednesday, September 24th. A link to last week's episode about it is in this episode's notes. [2:04] Registration closes on July 9th. A link is in this episode's notes. [2:09] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is being built. Soon, we will distribute a Call for Nominations for the ERM Award of Distinction. I'll update this episode's show notes when that link is ready. [2:32] Think about your organization's ERM program or one that you know of, and how it has generated value. We will have more on that in the coming weeks. [2:40] On with the show! It's June 2025. It is Pride Month and RIMScast and RIMS are dedicated to fostering an environment where individuals from all backgrounds feel valued, respected, and empowered. We'll dive into the real meanings of words and initiatives; words like inclusivity. [3:01] Joining me today to delve into those terms is Chris Reilly, the National Co-Chair of Link USA. Link is the LGBTQ+ Insurance Network. Chris is also the Senior Vice President and National Practice Leader at Amwins's Group Benefits. [3:17] We will discuss the state of diversity, equity, and inclusion in insurance and risk management, how the pendulum has swung, and what risk professionals and employers need to know about a landscape that may or may not be changing as much as you think. [3:35] Interview! Chris Reilly, welcome to RIMScast! [3:42] It's Pride Month. For Chris, it's a great time to be celebrating oneself and celebrating with the community. He says there's no reason not to celebrate 12 months of the year. [4:14] Chris Reilly has had a 30-plus-year insurance career. His dad and grandfather had an agency. His father offered him a job right out of college. Chris thought he'd step up in a year or two, but he's still doing it 30-plus years later. It's a great career. He loves the industry. [4:47] The first part of Chris's years he spent in the Property and Casualty world as a commercial broker, most of those years with Aon. He jumped to the wholesale side when he joined Amwins in 2000. [5:05] Chris is on the employee benefits side, providing group benefit programs to companies through broker partners. [5:13] About five or six years ago, Amwins created internal DEI programs. Chris immediately volunteered to join the National Council at Amwins to participate in and help build those programs. He worked on a committee centered on making the workplace intentionally inclusive. [5:54] Chris served on that committee for two years. In the process, he came across Link, which was in the UK. Chris and a colleague convinced Link to bring it to the U.S., which they did in 2021. Four years later, Link has expanded into Los Angeles, Chicago, New York City, and Atlanta.  [6:18] Link restructured this year with a national board for a national presence. Link kicked off Pride Month with a national virtual event. It had a great turnout. Chris is excited to continue to lead Link and help support the LGBTQ+ community and its allies in the insurance industry. [7:04] Chris notes that the insurance industry is still known to be a very conservative industry but from 30 years ago to today, there has been a big difference in inclusivity. There's constant evolution and change. We can always continue to do things better. [7:23] Chis says everybody is striving to do things better. That's why Diversity, Equity, and Inclusion programs became so important for all industries. Justin says that saying the words Diversity, Equity, and Inclusion instead of DEI provokes thought about their meaning and impact. [8:21] Chris agrees; when we say with intention, Diversity, Equity, and Inclusion with intention, it's just better. Don't we all want to be included? Inclusion is an endearing word. Let's all come to the table. We need to be more intentional about the words. [9:19] Chris Reilly attended RISKWORLD 2025 for the first time and was at the DE&I Studio. There were speakers and panels. Chris represented Link USA to talk about who they are, what they do, and their mission for the LGBTQ+ community in the insurance industry. [10:21] Chris served on a panel where Link, the National African American Insurance Association, the Asian American Insurance Network, the Latin American Insurance Agency Networks, and the Association of Professional Insurance Women were represented. [10:43] The organizations work to make sure the insurance industry continues to be a diverse, inclusive, and equitable industry. They support each other and continue to press the message of Diversity, Equity, and Inclusion. They raise their voices for the common good of every employee. [11:17] Leaders from all of those organizations have been guests on RIMScast, with Chris Reilly and Link being the fifth organization represented. If more organizations are created, Justin will include them on the show.  [11:37] Chris brings decades of experience in the trenches to his role on Link.  [12:02] Justin says we're hearing a lot of anti-DEI rhetoric. Chris says a lot of it is noise. People are throwing things against the wall to see what sticks. In most C-Suites, smart leaders seek legal advice. If they haven't been doing anything illegal, there isn't much they need to change. [13:01] Companies that feed into the noise end up hurting their employees which can hurt their bottom line in the long term. [13:27] Companies need to cut through the noise and make sure that they know what's true and what's not true. They need to focus on continuing to do what they've been doing that has been working. [13:55] Chris thinks that a company scaling back its DEI initiative hurts its reputation. When they scale back, the employees feel it first. If employees don't feel good in the workplace about the culture that has been developed for employees, that impacts the work and the output. [14:34] Eventually, that can hit outside the walls of the insurance company. Insurance isn't a direct-to-consumer product so this industry doesn't get impacted in quite the same way as a retail store. [15:06] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Public Registration is open. [15:17] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live, so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [15:33] This event is open to any RIMS Chapter member. If you are local to the area, you might consider becoming a RIMS member today, so that you can get all the benefits and begin networking with your new RIMS Texas peers. Links are in this episode's show notes. [15:48] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [15:56] Just a month later, we will be up North for the RIMS Canada Conference 2025, from September 14th through 17th in Calgary. Registration is open. Visit RIMSCanadaConference.CA and lock in favorable rates. We look forward to seeing you in Calgary! [16:15] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today. [16:31] Let's Return to Our Interview with Chris Reilly of Link!  [16:50] There's no such thing as illegal DE&I! There is no legal framework about whether a company does DE&I or not. Companies decided that having a more diverse, equitable, and inclusive workforce was good for business. [17:30] There have been studies that show that when a company has a strong DE&I policy, it outperforms its competitors that don't by nearly 20%. Teams that are more diverse and inclusive outperform homogeneous groups by nearly 80%. [17:57] When you have a diversity of people; when you include people of different backgrounds in thought and education, you get more diverse thoughts and you can create better outcomes as a result. [18:15] This concept of illegal DE&I is thrown up there to create confusion and get people worrying about what they're doing. [18:51] Employment Practices Liability Insurance (EPLI) is what companies would buy if they have a sexual harassment suit, a discrimination suit, or a wrongful termination suit. Employers take this coverage to protect themselves from that. [19:25] Whether they have EPLI coverage or not, before the term “illegal DE&I,” nobody was concerned about it. They all felt that they had the proper policies and best practices in place to prevent employment practices claims. [19:43] If there were this rash of claims suddenly happening, maybe it's not “illegal DE&I” but you're not doing it right. Fix the problem so that it doesn't become an issue. [19:59] What companies are seeing is that their policies and best practices have been working, so there's not a problem. If companies start believing that they shouldn't have DE&I programs, that will embolden individuals to be bigots, racists, harassers, and bullies at work. [20:25] If that happens, you will get employment practices claims. [20:30] Justin feels that we are seeing uninclusive and bullying expressions more now on social media than when he was hired at RIMS eight years ago. [20:36] Chris thinks that the world has changed and the narrative has changed and people feel like they're emboldened to bring out those negative personality traits in themselves for some reason. [20:50] Chris recently talked to a company where the CEO addressed the employees, to tell them that bigotry, harassment, and hatred have no place, and will have no place in the company. [21:16] He told them the company was built with a culture that respects everybody, that is about fairness and integrity, working together, and creating inclusive and collaborative teams, to create the best outcomes they can for the company and its consumers. [21:32] He said they are going to keep doing what they're doing because everything's going just fine. He said if we start trying to tinker with the DE&I programs, that will inevitably create problems and deteriorate the great work that you have been doing. [21:53] What's the ROI on DE&I? It's hard to quantify. When your employees are happy, they're doing good work, they're being productive, and the company is successful, that comes in part from the investment of time, energy, and money put into Diversity, Equity, & Inclusion programs. [22:08] You can try to tie ROI to some of the Diversity, Equity, and Inclusion programs when you talk about EPLI, Directors & Officers, and E&O insurance. If you don't have good practices, what you will have is employment practices liability claims around discrimination and harassment.  [23:01] HR will have to deal with the HR issues of employees, potentially defending a lawsuit. If they don't have these coverages in place, those defence costs can get expensive. You might have to settle a suit, which can cost more money. It's a ripple effect. [23:27] With more claims, the premiums of these policies will go up. So, if you're not following best practices and have to start paying out claims and higher premiums to defend yourself against these claims, those are financial factors to consider in the ROI of doing the right thing. [23:51] Plug Time! Let me tell you about the Spencer Educational Foundation. Spencer's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [24:31] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centred experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [24:31] General Grant awardees are typically notified at the end of October. [24:35] Spencer's Risk Manager on Campus Program offers grants of up to $5,000 to universities and colleges in the United States and Canada to host a practicing risk manager on their campus for a one-to-three-day residency. [24:49] The Risk Manager on Campus program has been praised by both universities and risk managers as a rewarding educational experience for students and a chance to give back to the profession. The application deadline for 2026 is June 30th, 2025. Check the link in the notes. [25:08] Visit SpencerEd.org for more information. [25:12] Let's Return to the Conclusion of My Interview with Chris Reilly! [25:34] The pendulum has swung one way. Chris thinks that it will swing back as smarter and calmer minds prevail, in the end. Organization leaders know what's right and wrong. Once the noise calms down, people will realize that we already have things in place to protect everybody. [26:14] We already have Title VII and the EEOC in place. I have told people that with all that's being said, no laws have changed. Title VII is in place and the EEOC is still there to enforce it. If there were crazy problems with this, Title VII and the EEOC would already be addressing it. [26:44] Chris believes the pendulum will swing back to the center sooner rather than later. Executive orders and attempting to change laws are not going to sit well. There are already protections in place to prohibit employment discrimination. [27:13]  Chris is the National Chair of Link USA. A couple of days after this episode, there will be the New York City Link-Up Networking Happy Hour, Pride Edition. That's going to be in Manhattan on the Avenue. [27:33] On June 26th, in Los Angeles, there will be a Pride Movie Night and Networking Mixer at the Alamo Drafthouse Cinema. Chris says these events are always fun. Link tries to create personal connections between the LGBTQ+ Community and its allies. [28:04] We're all doing the same thing, feeling the same pressures, working in the insurance industry, and wanting connection. Some people work at companies that may not have anybody else like them in their firm. They're looking for connections within the LGBTQ+ community. [28:28] Link is heavily supported by its allies. They couldn't fight the fight without the allies. The events are about bringing people together in a fun way and ultimately, networking in the industry. People connect and build business relationships and develop businesses, as well. [28:55] We've got a link to Link in this episode's notes. [28:58] Chris, it's been a real pleasure to speak with you. I'm glad we're having this dialogue. I hope to see you at RISKWORLD 2026 and the Diversity, Equity, & Inclusion Studio. [29:21] Special thanks again to Chris Reilly of Link, the LGBTQ+ Insurance Network. Links to the events that we mentioned and to Link's website are in this episode's show notes. [29:34] RIMS has a Diversity, Equity, & Inclusion Council and page. You can visit it on RIMS.org, through the Community section, and the link in this episode's show notes. [29:49] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [30:17] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [30:35] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [30:53] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [31:09] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [31:23] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [31:31] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Diversity Equity Inclusion Council Link (LGBTQ+ Insurance Network) Link USA Events in New York City and Los Angeles RIMS Texas Regional 2025 — August 3‒5 | Registration now open. RIMS Canada 2025 — Sept. 14‒17 | Registration now open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration now open! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 Spencer's Risk Manager on Campus — Application Deadline June 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Register by July 7. | Bi-weekly course begins July 16. RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — July 8‒9, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — July 17‒18 Full RIMS-CRMP Prep Course Schedule “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “James Lam on ERM, Strategy, and the Modern CRO” “Live from RISKWORLD 2025” “Thoughts and IDEAs on Inclusivity with Michael Bach” “The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services” “LAAIA Atlanta Chapter President Jose Aponte” “Equality and the Risk Profession with Elisa Stampf”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Chris Reilly, National Co-Chair of Link USA | LGBTQ+ Insurance Network, Senior Vice President and National Practice Leader at Amwins Group Benefits   Production and engineering provided by Podfly.  

The post Who would you put on the Mormon Mount Rushmore? AoN 942 appeared first on The Cultural Hall Podcast.

The post Where is Meredith? Has anyone talked to Meredith? AoN 941 appeared first on The Cultural Hall Podcast.

As the construction industry navigates emerging risks and evolving opportunities, this episode explores how these dynamics are reshaping insurance and surety strategies worldwide. Hosts Tariq Taherbhai and James MacNeal unpack the latest insights from Aon's 2025 Global Construction Insurance and Surety Market Report, offering expert perspectives on market trends, regional dynamics and strategic recommendations for navigating today's complex risk environment.Key takeaways:North America remains the strongest surety market, driven by public infrastructure and inflation-driven growth.High-tech manufacturing projects, such as data centers, are a major global growth driver for construction insurance and surety markets.APAC markets, especially India and China, are rapidly maturing, with increased use of commercial and construction guarantees.Construction companies are advised to start early in the insurance placement process and carefully evaluate contract structures to avoid coverage gaps and delays. Experts in this episode: Tariq Taherbhai — Chief Commercial Officer, Construction and Infrastructure, AonJames MacNeal — Global Industry Specialty Leader, Construction and Infrastructure, Aon Key Moments:[1:38] Three key trends driving insurance and surety markets for the construction industry[2:58] What's driving construction trends around the world?[5:17] Technological innovation is at the forefront of everything.   [7:58] How the market is shaping up for construction liability.[10:09] The global surety market is projected to grow at about 5 percent annually for the next few years Additional Resources:2025 Global Construction Insurance and Surety Market Report Soundbites: “There seems to be an insatiable build going on in infrastructure, energy, high-tech manufacturing projects – for example, data centers that are just expanding rapidly globally.” — James MacNeal“Start early. Begin any insurance placement process as early as possible, especially if you have a complex, high-risk project. Underwriting timelines are lengthening due to increased scrutiny and demand.”— James MacNeal

Send us a textIn this episode we speak with Lyle Sandler. I met Lyle when he was CDO at Aon, the mega-insurance firm, and it was clear from the off-set that  he was a natural story teller.    As you'll hear, he doesn't think that he's a natural storyteller. He's learned tactics and religiously rehearses his stories so that they land and create the right impact.Lyle has bottled 100 of these tactics in his new book  Universal Principles of Storytelling for Designers, which will help both Narrative Newbies and Tried and Tested Tale-Tellers to up their games.   Enjoy.About LyleStories ignite design, and design inspires stories, creating a dynamic cycle that propels human progress and sparks innovation. Lyle is a storyteller and designer. The story/design connection became an "aha" moment during his undergraduate days at Hofstra University, where I shuffled between theatre, design, and anthropology, three disciplines that seemed to join forces effortlessly. His storytelling and design journey deepened at the American Film Institute's Center for Advanced Film Studies, art directing in Hollywood, crafting theatrical sets in New York, working in illustration, and  designed high-end window displays.At Merrill Lynch, he redesigned how analysts communicated with the patrons of Wall Street, and at Goldman Sachs,  he pioneered UX and data visualization. He began to explore and create innovative techniques that enable humans to interact with large volumes of data efficiently, discerning hidden characteristics, patterns, and anomalies within dynamically changing information spaces (non-language, data-centric, progressive storytelling). Later, he co-founded Brew, a design and innovation consultancy that assisted organizations to think differently, innovate, and design unique consumer experiences.His career has spanned global design leadership roles at NCR and Aon where he has applied design approaches to create impact and value; staying true to his  roots in storytelling and anthropology, ensuring that my designs and innovations always delivered meaningful value to the people they were created for.Currently, as a consultant, he help organizations transform and grow through storytelling, design, and "storythinking" – powerful drivers for developing new forms of value in anticipation of future human needs.Links:David Foster Wallace: This is Water commencement speech. Learn more about Hitchcock's Production Director, Robert Boyle here.Service Design YAP is developed and produced by the Service Design Network UK Chapter.Its aim is to engage and connect the wider Service Design community. Episode Host: Stephen Wood Production Assistance: Jean Watanya

Underwriting is undergoing a fundamental shift. As technology matures and data becomes more accessible, insurers and brokers are rethinking how they deploy capital, manage risk and respond to client needs in real time. In this special episode of the InsTech podcast, recorded live at our event “The growth of Enhanced Underwriting — the opportunity and the role of technology in realising it”, Robin Merttens is joined by Clyde Bernstein from Aon, Hayley Spink from Chaucer and Ed Howkins from Artificial. Together, they discuss how the market is embracing enhanced underwriting, why insurers are investing in digitisation at scale and how technology providers are helping unlock new levels of efficiency and accuracy across the value chain. Key Talking Points Learn how Aon is rethinking broking strategy from the ground up through enterprise-wide transformation. Understand why legacy systems are holding back innovation and what it takes to modernise at scale. Explore how cross-functional teams and external partners like Artificial Labs are accelerating progress. Hear why both brokers and carriers moving in sync is key to realising enhanced underwriting at speed. Discover how Chaucer is building cloud-native infrastructure and data strategy to support smarter decisions. Find out how technology is shaping the future of underwriting roles and changing team structures. Understand the risks of fragmentation as broker portals multiply across the market. See why consistent data standards are essential to making digitisation stick. Learn how enhanced underwriting supports speed and accuracy—especially in softening market conditions. Get insight into why now is the moment for insurers to translate strategy into execution and long-term value. If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Specify the role of consistent data standards in enabling seamless broker-carrier collaboration. Explain how digitisation helps insurers maintain underwriting discipline in soft market conditions. Define enhanced underwriting in the context of today's capital deployment strategies. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 358 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

  If uncertainty is the new normal – how can the commodities markets and participants adapt? What does that mean for costs, supply chains and people.  In May we held our latest Live Event in London, in partnership with ITFA. The event was hosted by Aon, with additional sponsorship by Atradius, Brown Brothers Harriman, Coface, Natixis Partners, Pole Star Global, The Mercury Group and RESCOM. Our panellists debated themes including the sources of uncertainty, and what it means for markets, prices and participants. What are the impacts of tariffs and geopolitical tensions? What is the state of the talent landscape as a new generation of professionals, and new businesses, confront these challenges? Is a new generation of deep specialists ready? Joining podcast host, Paul Chapman was Stuart Lawson, Global Head at Aon Credit Solutions; Khushroo Pochkhanawalla, Commodity Risk Director at The Heineken Company; Matthew Chamberlain, CEO at the London Metal Exchange; Marieke Franssen, Managing Director of Natixis Corporate & Investment Banking and William Tully, Head of Business Development at Brown Brothers Harriman Commodities & Logistics.

Special episode – June 2025 – the UK Government's response to the consultation on Options for DB Schemes In this podcast, Aon's Abbas Nazerali is joined by colleagues John Harvey and Alice Wilmot to discuss their initial reactions to the government's response regarding DB surplus release flexibilities. Listen to the Aon Investment Podcast If you'd like to learn more about these flexibilities for your scheme or have an questions, email us to TalkToUs@aon.com

JIn this podcast, Aon's Jennifer Michel and John Harney are joined by colleagues Jo Sharples and Louise Wheeler to discuss and celebrate ten years of DC investment innovation and success. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Read a profile on Jo Sharples, Chief Investment Officer for Aon's DC Solutions: https://corporate-adviser.com/jo-sharples-profile-happy-returns-for-aon/ Learn more about Aon's DC Solutions default investment strategy: https://www.aon.com/betterbydefault Listen to our podcast special on the Government's response to the DB Options consultation: https://soundcloud.com/user-508804918/special-episode-june-2025-the-uk-governments-response-to-the-consultation-on-options-for-db-schemes Register for our upcoming webinar on 19 June: https://contact.aon.com/Pension_Scheme_Bill_2025_Email Listen to the Aon Investment Podcast: https://soundcloud.com/user-508804918/investing-in-the-zone Email us your topic suggestions, comments and questions to TalkToUs@aon.com

In this episode, Jason Ott, President of Aon Private Risk Management, and Diane Delaney, Executive Director of the Private Risk Management Association, spoke about the biggest cyber risks … Read More » The post EP. 103: Managing Digital Risks in the High-Net-Worth Space appeared first on Insurance Journal TV.

In this episode, Jason Ott, President of Aon Private Risk Management, and Diane Delaney, Executive Director of the Private Risk Management Association, spoke about the biggest cyber risks … Read More » The post EP. 103: Managing Digital Risks in the High-Net-Worth Space appeared first on Insurance Journal TV.

In this episode, Jason Ott, President of Aon Private Risk Management, and Diane Delaney, Executive Director of the Private Risk Management Association, spoke about the biggest cyber risks … Read More » The post EP. 103: Managing Digital Risks in the High-Net-Worth Space appeared first on Insurance Journal TV.

What happens when one of the world's largest brokers and a digital-first underwriting platform team up to rethink risk trading? In this episode, Robin Merttens is joined by Sasa Brcerevic, Head of Portfolio and Delegated Strategy at Aon, and Ed Howkins, Chief Growth Officer at Artificial Labs. Together, they explore the evolving dynamics of wholesale broking, why now is the moment to digitise trading relationships and how insurers can stay competitive in a rapidly transforming landscape. The conversation offers a timely lens on the market-wide shift toward digital trading – not as a future ambition, but as an active and necessary response to competitive pressure. From the rise of underwriting-as-a-service to brokers leading platform innovation, this episode unpacks what insurers and brokers should be doing now to stay relevant. Key Talking Points Digitising the broker–underwriter interface: why transaction execution, not just placement admin, is the next frontier Strategic momentum: how digitisation moved from side project to boardroom priority across carriers and brokers Competitive catalysts: why fast movers are already capturing flow and shaping future adoption curves Platforms not portals: how Artificial is helping brokers remove friction while giving carriers underwriting optionality A new breed of carrier: exploring the shift from balance sheet-first models to digital risk transformation The data dividend: why data-rich submissions are changing how insurers allocate capital and differentiate themselves Incremental innovation: what makes today's efforts different from past false starts and what good adoption looks like Reimagining broking: how Aon is investing in technology to build its future operating model Sustainable advantage: why the biggest long-term gains lie in improving service, not just margin Time to jump in: why delaying digitisation could leave carriers and brokers on the outside looking in If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Ed Howkins and Sasa Brcerevic on LinkedIn to start a conversation! Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe how digitising wholesale broking can improve transactional efficiency and reduce operational friction. List the key challenges and opportunities in modernising risk trading processes between brokers and carriers. Explain how intentional digital adoption differs from previous waves of insurance market innovation. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 355 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

The post An Osmond Musical?! AoN 931 appeared first on The Cultural Hall Podcast.

In this episode of Logistics with Purpose®, hosts Enrique Alvarez and Kristi Porter engage with Alan Barron, Mental Health Manager at Aon, discussing the significance of mental health in the workplace. Alan shares insights on the importance of mental health awareness, particularly in high-stress industries like logistics and supply chain, and emphasizes the need for open communication, supportive environments, and accessible mental health resources to prevent burnout, anxiety, and depression. Alan's expertise in clinical psychology and corporate wellbeing offers valuable strategies for fostering a healthy workplace culture. Join us for an important conversation about the role of empathy, compassion, and proactive mental health policies in enhancing employee productivity and organizational success. As mental health awareness month is celebrated, the episode encourages companies and individuals to prioritize mental health as a lasting part of their culture.Additional Links & Resources:Connect with Alan: https://www.linkedin.com/in/alan-barr%C3%B3n-angeles-44892698/Learn more about Aon: https://www.aon.com/mexico/default.jspLearn more about Logistics with Purpose: https://supplychainnow.com/program/logistics-with-purposeLearn more about Vector Global Logistics: https://vectorgl.com/Subscribe to Logistics with Purpose: https://logistics-with-purpose.captivate.fm/listenThis episode was hosted by Enrique Alvarez and Kristi Porter. For additional information, please visit our dedicated show page at: https://supplychainnow.com/importance-mental-wellness-supply-chain-logistics-industry-lwp129

As missiles struck terror targets across the border in ‘Operation Sindoor', India's cyber command braced for a digital warfront. Just hours after the strikes, top cyber experts and government officials warned of a heightened risk of cyberattacks targeting India's critical infrastructure. Banks, telecom networks, and public utilities have been put on alert. The Indian Computer Emergency Response Team (CERT-In) issued advisories to financial institutions, while the Department of Telecommunications (DoT) ordered telcos to boost network security, especially in sensitive border regions. “Cyber sabotage today can be as destructive as a missile,” warned Rakesh Bhatnagar of VoICE, highlighting risks from foreign-made telecom and power equipment. Industry insiders say everything from denial-of-service attacks to stealth intrusions aimed at stealing sensitive government data is on the table. Pakistani hackers, officials say, have already attempted website defacements and intrusions—one recent case targeted Rajasthan's education portal. With tensions high, India's cybersecurity forces are now operating at peak alert levels. Experts stress that this isn't just a government issue. “Every connected individual is vulnerable,” said Aon's Prasanna Kumar. His warning? The war is now digital—and everyone's a target. India's retaliatory strikes under ‘Operation Sindoor' have not only made geopolitical waves—they've sent defence stocks flying. Since the April 22 terror attack in Pahalgam, defence stocks have outpaced the broader market. The Nifty Defence Index is up 2.99%, while the Nifty 50 managed just 1.2%. Big names like Hindustan Aeronautics, Bharat Dynamics, and Mazagon Dock have all gained in anticipation of faster project execution. “Earlier, defence orders took 5–7 years to play out. Now there's pressure to deliver in three,” says Vikas Gupta of OmniScience Capital. That urgency could drive earnings and lead to analyst upgrades. What's more, the global backdrop is shifting. With Russia and Israel unable to meet export demand, and Trump pushing NATO to ramp up defence spending, India's affordable arms offerings are suddenly in high demand. “India's export potential is huge,” says Ventura's Vinit Bo-linj-kar, pointing to a 10-year global defence stockpile low. From UAVs and missiles by Adani to Tata-Airbus military aircraft and even critical mineral players like NMDC, India's defence ecosystem is expanding fast. If tensions escalate, analysts expect a spike in demand not just for weapons—but for maintenance, upgrades, and consumables. War or not, defence is clearly in investor crosshairs. After a long wait and some tough new security rules, Elon Musk's Starlink has finally been greenlit to beam satellite internet across India. The Department of Telecommunications has issued Starlink a Letter of Intent to launch services, officials confirmed. This approval positions Starlink alongside Eutelsat OneWeb and the Jio-SES JV in the race to blanket India with satellite broadband. The timing's key—Starlink's nod came just a day after the government tightened rules, mandating data localization, lawful interception, and domestic manufacturing. “They'll begin demos next, before getting the final licence,” one official said. Starlink's plans hinge on more than just a licence. It still needs IN-SPACe clearance to operate its satellite fleet and set up earth station gateways—key for local connectivity. Globally, Starlink operates the world's largest satellite constellation—over 6,750 in orbit. Back home, it's already in talks with telecom giants Airtel and Jio to distribute its kits through retail chains. With over 40% of India still offline—mostly in rural regions—analysts say Starlink's entry could be a game-changer. As Bernstein put it, this could help bridge India's deep digital divide.

We're all familiar with India's boom story–rising salaries, more disposable income and a demand for a better quality of life. But, with many more young Indians migrating to big cities to work and earn, they're finding it supremely challenging to pay rents, even on their relatively good salaries. A 2024 report by AON group, a consulting company, found that salaries in India are rising at a rate of about 10% each year. At the same time, rental costs are rising at a phenomenal rate, of 16-20%, and sometimes even more. In this episode, we'll learn about how rising rents are pushing young Indians out of big cities. And what are they doing to navigate that crisis?The Core and The Signal Daily is ad supported and FREE for all readers and listeners. Write in to shiva@thecore.in for sponsorships and brand studio requirementsFor more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠

May 2025 – Responsible Investment in 2025 & beyond In this podcast Aon's Jennifer Michel and John Harney are joined by Laasya Shekaran from Pensions for Purpose to discuss Responsible Investment in 2025 and beyond. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Further information: Read the IFOA pensions freedoms survey: https://actuaries.org.uk/media-release/ten-years-on-from-pensions-freedoms-many-savers-still-not-accessing-advice/ Register for our upcoming Member Options and Support Webinar: https://contact.aon.com/OutlookforMemberOptions_Invite Watch our bitesize video on what the latest tariffs could mean for markets and investors: https://players.brightcove.net/1509269527/default_default/index.html?videoId=6371785968112 Find out more about Pensions for Purpose here: https://www.pensionsforpurpose.com/ Take part in Aon's 2025 UK Global Pension Risk Survey: https://sg.aon.nl/s3/2025-Aon-Global-Pension-Risk-Survey-UK?utm_campaign=EM_UK_WEA_SE_25O4_8711745975_UK_GLOBAL_PENSION_RISK_SURVEY_2025_invite_INTERNAL&utm_medium=email&utm_source=Eloqua Email us your topic suggestions, comments and questions to TalkToUs@aon.com

Help for People Feeling Stuck - Listener Q&AOn the Trail Podcast: Season 3, Episode 25Let's get personal. Maturity and spiritual warfare issues touch us from the individual to the community.In this episode, we're answering some of your questions. Whether you're a single person in want of dating advice, a ministry leader shepherding communities through trauma recovery, a friend with a passion for intercession, or a long-suffering family member searching for hope for your loved-one — we're going to meet you there this week.Thank you for sharing your questions with us.Join us on the trail!

The post The Pharoah and One Chain in the Same Ward?! AoN 921 appeared first on The Cultural Hall Podcast.

How is the Life Sciences industry evolving? Aon's Meaghan Piscitelli and Tanaz Moazami discuss the future of the industry, focusing on the transformative impact of AI and human capital management. They highlight the challenges of talent acquisition and retention and emphasize the importance of digital skills for the future life sciences workforce.Key Takeaways: Life sciences companies face increased competition for talent, particularly in digital roles.AI is transforming the sector through medical breakthroughs, improved patient care and operational efficiencies.This transformation also presents risks related to data privacy, cyber security and potential misuse of new technologies.HR is a critical strategic partner in helping life sciences leaders properly recruit and retain talent, navigate the changes brought by AI and maintain a competitive edge.Experts in this episode: Meaghan Piscitelli, Partner, Global Life Sciences Leader at AonTanaz Moazami, Human Capital Rewards Solutions Partner, Life Sciences Data at Aon North America Additional Resources:2025 Life Sciences Outlook: Building Preparedness to Mitigate Risks and Capture Human Capital Opportunities Soundbites from Guest Tanaz Moazami: It's a challenging time in the talent space, and you need to ensure that employee value proposition is articulated. When it comes to your AI strategy, are you building it or are you buying it? What kind of talent are you bringing in? And when you're bringing in the talent, are you looking at your cyber security? Are you looking at your data privacy? What kind of measurements are you putting in place? AI is already transforming the sector. So from medical breakthrough and patient care to the analytical efficiencies that can be realized through automation. But automation and process improvement has always been part of life sciences. I don't think that is new. But artificial intelligence is more about creating the efficiencies that comes with getting the product faster to the market.HR leaders should look at the impact of artificial intelligence in their own department. Research suggests that 24 % of roles are at risk of significant disruption due to artificial intelligence integration. When we look at the industry currently, it lags behind others when it comes to communicating and publishing salary ranges. So to gain a little bit of a ground, organizations should probably start offering training to their management, which probably will lead to more effective conversation about pay and also educating the employees about pay decisions and also career development. 

The post Celebrating the Peru Temple in Peru! AoN 916 appeared first on The Cultural Hall Podcast.

This week we have a lively discussion on portfolio spring cleaning, tariffs and French dividend-paying companies.We chat about Procter & Gamble, Tangar, AON, Fastel, Rubis, Sanofi, L'Oreal, LVMH, TotalEnergies, BA Systems, Groupe SEB, Pernod Ricard, Sodexo, Fimalac Interactive, Shell, Texas Instruments, LYB, Violia, Hotamaki, and MSCI.We also answer listener questions on investment strategies, portfolio allocation, and more!

The head of Chase Business Banking says U.S. economic strength is outweighing President Donald Trump's tariffs, at least for now. Crain's finance reporter Mark Weinraub discusses with host Amy Guth.Plus: Pritzker called to testify on Illinois' immigrant policy in D.C.; empty former Aon campus sold at 96% discount; Goolsbee says tariffs present a stagflationary shock for the Fed; Outcome Health founders, free on bail, appeal fraud convictions; and DoorDash partners with Coco for food delivery robots.

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to outcomesrocket.com Increased awareness, empathetic management, and culturally competent care are essential for addressing the unique needs of neurodivergent individuals. In this episode, Rebecca Warnken, Inclusive Benefits Leader at the Practice of Health Transformation at Aon, talks about navigating neurodiversity in the workplace and in healthcare. She discusses the challenges and opportunities associated with supporting neurodivergent individuals, both as employees and patients. Rebecca shares her personal and professional journey advocating for increased awareness, better benefits, and cultural competency in care for neurodivergent populations. Tune in to learn how creating inclusive environments for neurodivergent individuals benefits everyone, from the workplace to healthcare!  Resources: Connect with and follow Rebecca Warnken on LinkedIn. Follow Aon on LinkedIn and explore their website. Fast Track Your Business Growth: Outcomes Rocket is a full service marketing agency focused on helping healthcare organizations like yours maximize your impact and accelerate growth. Learn more at outcomesrocket.com

Live from Transform 2025 in Las Vegas! I am excited to welcome Tubi's people leaders, Natasha Valani & Cristina Navarro. Natasha Valani serves as the Senior Vice President of Human Resources for Tubi Media Group at Fox Corporation. In her role, she oversees talent management, performance, recruitment, culture & belonging, as well as the overall employee experience. Since joining Fox, Natasha has significantly contributed to increasing the diversity pipeline within the Technology sector and acts as a sponsor for the Women in Tech employee resource group, aimed at advancing, empowering, and connecting women technologists. She brings a wealth of experience from her previous roles in talent management and development at several Fortune 500 companies, including Mastercard and Aon. At Mastercard, she was instrumental in transforming performance management, leadership development, and employee engagement efforts. Excellence Award in 2017 for introducing both innovation and purpose to the development Christina Navarro is the Head of Global TA @ Tubi. She believes that great teams are the heartbeat of every successful company. Nothing excites her more than helping businesses grow by connecting them with the right people—and helping individuals find roles where they can thrive. She has built her career leading talent acquisition across tech and consumer services, with roots in agency recruiting supporting a range of industries. She is passionate about structured hiring, employer branding, and talent technology—anything that helps teams hire smarter, move faster, and deliver an exceptional experience for both candidates and leaders. In this impactful conversation, we dig into: - What most companies get wrong about talent development, and how can they create real impact? - What are the biggest barriers to diversity in tech, and what strategies truly drive change? - How can leaders foster a ‘learn it all' culture in fast-paced environments like Tubi? - How have they kept up with that and how do they manage to scale responsibly? - Latest TA trends and more! Learn more about Tubi: https://tubitv.com/ Connect with Natasha: https://www.linkedin.com/in/natasha-valani-1758a418/ Connect with Christina: https://www.linkedin.com/in/cristinaynavarro/ Live from Transform 2025, we're bringing you an exclusive podcast series packed with insights from some of the brightest minds in hiring, talent strategy, and workforce transformation! In this series, we've got incredible guests from Okta, Tubi, Edelman, Greenhouse, Findem, and more, sharing how top organizations are rethinking hiring, culture, and talent acquisition in today's fast-changing world. Greenhouse combines a structured, data-driven hiring approach with AI-embedded workflows that empower recruiters to focus on strategic, high-impact work. From sourcing top talent to personalizing the candidate experience, Greenhouse streamlines and optimizes the entire hiring process. This ensures that every hire is the right hire—eliminating bias, creating fairness, and helping teams make smarter, faster decisions. Over 7,500 companies, including HubSpot, Duolingo, and J.D. Power, trust Greenhouse to build better teams and turn talent into a strategic advantage. Want to learn how today's top companies are winning the talent game? Tune in now and visit Greenhouse.com to transform the way you hire. Thanks for listening. Please follow us on Instagram @NHPTalent and X @AdamJPosner. Visit www.thePOZcast.com for all episodes

Wall Street has just wrapped up one of its most volatile weeks in years, with investors rattled by Donald Trump's sweeping new tariffs on global imports. The fallout? Trillions wiped from US stock markets—the S&P 500, Dow, and Nasdaq all plunging more than 5%, with tech stocks entering bear market territory.What does this mean for trade on the ground? Gene Seroka, head of the Port of Los Angeles—the busiest container port in the US—tells us how these tariffs could disrupt the flow of goods across the Pacific.As panic ripples through the markets, we ask: should people nearing retirement be worried? Maria Johannssen of AON breaks down the risks to global pension funds heavily invested in Wall Street.Also in the programme: TikTok gets yet another reprieve in the US. But who's really in line to buy it? We look at the high-stakes politics and business deals shaping its future.And finally— our reporter gives us an insight into the thinking inside Microsoft, and the celebrations as it turns 50 years old.

Wall Street closes one of its wildest weeks in years, reeling from the impact of Donald Trump's sweeping new tariffs on global imports. The S&P 500, Nasdaq Composite, and Dow all plunged.We assess the fallout with our US Business Correspondent Michelle Fleury in New York, and speak to Gene Seroka, Executive Director of the Port of Los Angeles—the largest container port in North America—about what it means for trade and supply chains.With trillions wiped off share values, what does it mean for those with pensions heavily tied to Wall Street? Maria Johannssen of AON explains how retirement pots could be hit, and whether there's cause for alarm.Plus, TikTok survives another day in the US—but for how long? We explore the latest on the app's uncertain future and who might be lining up to buy it. And as tariffs threaten to raise car prices, we look at why America is phasing out the last of its truly affordable new vehicles. Marketplace's Henry Epp reports on the death of the compact car.

April 2025 – Demographic trends 5 years after the first COVID lockdown In this podcast, Aon's Jennifer Michel and John Harney are joined by Matthew Fletcher from Aon's Demographic Horizon's team to discuss demographic trends 5 years on from the first COVID lockdown. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Listen to the Aon Investment Podcast: Stream Investing in the Zone by Pensions Podcast Series | Listen online for free on SoundCloud Email us your topic suggestions, comments and questions to TalkToUs@aon.com

Dr. Jill Carnahan sits down with renowned biohacker and wellness expert, Pavel Stuchlik, to explore the fascinating intersection of creativity, breath work, and movement.  Pavel Stuchlik, a dedicated advocate of brainwave optimization and consciousness expansion, shares his profound insights and practical tips on how you can unlock your creativity and harness the power of your breath to enhance overall well-being. He delves into the science behind breath work and its incredible benefits for mental clarity, emotional stability, and physical health. 

Your two hosts talk about the War of 1812, things and stuff, killing AoN, vampires, familiars, a car crash, and doctor visits. Please like and subscribe to any or all of our social platforms -  FB/twitter/x/TikTok - hsfamouspod Join our Discord youtube.com/@HSFamousPod highschoolfamous@gmail.com  patreon.com/highschoolfamous

In un momento di rallentamento dell'economia nazionale, la logistica portuale può rappresentare un volano per la crescita del Paese. L'Italia, per la sua posizione strategica nel Mediterraneo, ha nei porti un'infrastruttura chiave per il commercio internazionale, ma per poter competere con i principali hub europei e globali è necessario un sistema più efficiente, integrato e moderno.Proprio in questa direzione si muove la nuova riforma portuale, attualmente in discussione, che punta a riorganizzare la governance del settore attraverso l'istituzione di una società pubblica per la gestione degli investimenti, la semplificazione burocratica e un maggiore coinvolgimento del settore privato.Ne parliamo con Mario Zanetti, delegato del presidente di Confindustria per l'economia del mare, presidente di Confitarma e AD di Costa Crociere.L'Europa trova l'accordo sulla difesaLa proposta della Commissione Europea, che prevede un aumento delle spese per la difesa dell'1,5% del PIL di ogni Paese, potrebbe comportare per l'Italia un incremento fino a 30-35 miliardi di euro. Nel pacchetto esaminato ieri dal Consiglio europeo è prevista anche una quota di risorse comuni, che per Roma potrebbe valere fino a 18 miliardi di euro sotto forma di prestiti da restituire.Cifre impegnative per un Paese ad alto debito, che spiegano la cautela del ministro Giorgetti: prima di definire cifre e parametri, sostiene, sono necessari piani precisi.L'intesa prevede maggiore flessibilità per gli Stati membri sulle spese per la difesa e un fondo da 150 miliardi di euro raccolti sul mercato. Su spinta della Germania, i leader UE hanno aperto alla possibilità di riformare il Patto di stabilità per consentire ai Paesi di destinare più risorse alla difesa.Ventisei Stati membri hanno firmato una dichiarazione di sostegno all'Ucraina, con l'unica eccezione dell'Ungheria (fonte: Politico), ribadendo la volontà di rafforzare la posizione di Kiev nei negoziati. Durante il vertice, la premier Giorgia Meloni ha proposto l'introduzione di una garanzia europea per gli investimenti nel settore della difesa, in modo da non gravare sul debito pubblico, come riportato da Il Corriere. Allo stesso tempo, Meloni ha espresso la sua contrarietà all'utilizzo dei fondi di coesione per finanziare le spese militari.Affrontiamo il tema con Fabrizio Pagani, partner di Vitale & Co e docente a Sciences Po di Parigi. Da febbraio 2014 a giugno 2018 ha ricoperto la carica di capo della segreteria tecnica del MEF.Associazioni e ministero a confronto sul settore dell'autotrasportoAffrontare le regole del settore dell'autotrasporto, risolvere l'emergenza della carenza di autisti, intervenire sull'aumento dell'ETS, che sta mettendo in ginocchio le imprese siciliane: questi sono i temi che Assotir ha chiesto di affrontare nell'incontro con le associazioni di categoria organizzato dal viceministro delle Infrastrutture e dei Trasporti, Edoardo Rixi, lo scorso 26 febbraio.L'incontro si è svolto in un contesto particolarmente teso, anche a causa del prolungato stallo dei lavori, che dura ormai da sette mesi. Le associazioni lamentano forti pressioni sui costi del settore (veicoli, pedaggi, noli marittimi), non adeguatamente compensate da un adeguamento delle tariffe di trasporto.Interviene Claudio Donati, segretario generale di Assotir.Dal 31 marzo obbligo di polizze anti-calamitàLe catastrofi naturali sono sempre più frequenti e devastanti a causa del cambiamento climatico. Nel 2024, l'anno più caldo mai registrato, le perdite economiche globali sono ammontate a 368 miliardi di dollari, in calo del 7% rispetto ai 397 miliardi del 2023, ma in aumento del 14% rispetto alla media del XXI secolo.Il 2024 è stato il nono anno consecutivo con perdite economiche superiori ai 300 miliardi di dollari e il sesto più costoso mai registrato per i danni assicurati, che hanno raggiunto i 145 miliardi di dollari, superando del 54% la media del XXI secolo. Nonostante ciò, il divario di protezione resta elevato: il 60% delle perdite non è stato coperto da assicurazione (contro il 68% del 2023), rappresentando un freno significativo per comunità, imprese e governi.Le perdite non assicurate mettono a dura prova la capacità di ricostruire, recuperare e creare maggiore resilienza. Secondo il report 2025 Climate and Catastrophe Insight di Aon, leader globale nell'intermediazione assicurativa e riassicurativa, le economie mondiali possono ridurre danni e perdite di vite umane attraverso misure di mitigazione e una maggiore resilienza.Nel 2024, 18.100 persone hanno perso la vita a causa di eventi naturali, principalmente ondate di calore e inondazioni. Sebbene il dato resti drammatico, è inferiore alla media del XXI secolo (pari a 72.400 vittime), un miglioramento attribuibile all'efficacia dei sistemi di allerta, alle previsioni meteo e alla pianificazione delle evacuazioni basate su dati climatici affidabili.Il commento di Laura Serafini, Il Sole 24 Ore.

Think every stock is selling off right now on tariff fears? Zacks Stock Strategist, Tracey Ryniec, shares a group of stocks bucking the trend.  (0:30) - Finding Strong Stocks Amid A Stock Market Sell-Off (5:00) - Top Stock Picks To Keep On Your Watchlist Right Now (23:10) - Episode Roundup: BRKB, AON, ABBV

The Season 3 finale of the All In: Student Pathways Forward podcast features an engaging panel discussion with three inspiring students and graduates enrolled in or having completed high quality credential programs from different community and technical colleges: Lucy Briseno, a current student at Chemeketa Community College in Salem, Oregon; Monique Sallis, a current student at Normandale Community College in Bloomington, Minnesota, and an apprentice with Aon; and Cha Zong Yang, a graduate of Gateway Technical College in Racine, Wisconsin.Throughout the conversation, these students share their experiences participating in innovative, high-quality credential programs at their colleges that have helped shape their career pathways. They highlight the resources, supports, and services from their respective colleges and employers that have made an impact on their progress and success. From knowledgeable, dedicated, and accessible faculty to work-based learning opportunities to available financial assistance and strong career services, the panelists offer a firsthand perspective on what makes a difference for today's learners. The students also provide thoughtful recommendations for college leaders, policymakers, employers and other students based on their own experiences. Their insights offer a compelling call to action for strengthening pathways that connect education, employment, and lifelong success.These three remarkable individuals previously shared their community/technical college stories and insights this past fall at national and Oregon state conferences as part of plenary student panel discussions. Cha Zong spoke at the National Coalition of Advanced Technology Centers  (NCATC) conference in September about short-term industry recognized, advanced technology programs and unique student supports such as the Metallica Scholars Initiative. Monique joined the student panel at the National Council for Workforce Education (NCWE) conference in October in Minneapolis on transformative workforce education programs, including apprenticeships, that offer pathways from college into careers. Lastly, Lucy offered her perspective during the student panel at the Oregon Pathways to Opportunity statewide summit in October on the critical topic of student basic needs insecurity and elaborated on different resources and supports that can help address common student realities. The podcast conversation was an opportunity to explore these topics in more detail and culminate this season featuring students in quality credential programs. The All In: Student Pathways Forward podcast is a part of Oregon's participation in the National Skills Coalition SkillSPAN network and supported by the Lumina Foundation.

Ariel Saldin Weintraub is the CISO at Aon. In this episode, she joins Oz Alashe, founder and CEO at CybSafe, and host Scott Schober to discuss security awareness training and human risk management, including her experience in the CISO role at MassMutual, how being a leader in the industry has influenced her approach to human cybersecurity efforts, and more. BEHAVE: A Human Risk Podcast is brought to you by CybSafe, developers of the Human Risk Management Platform. Learn more at https://cybsafe.com.

March 2025 – OCIO, what is it? In this podcast, Aon's Jennifer Michel is joined by colleague and Jennifer O'Neill to discuss OCIO and explain what exactly it is. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Register to attend our Pensions Conference Series: https://www.aon.com/pension-conference?utm_source=linkedin&utm_medium=org-post&utm_campaign=b_0_we__all_wlt_uk-dppr_uk_gb&utm_content=d__be&utm_term=pensions-conference-2025_org-171224 Listen to the Aon Investment Podcast: https://soundcloud.com/user-508804918/investing-in-the-zone Email us your topic suggestions, comments and questions to TalkToUs@aon.com

How is growing complexity and volatility impacting businesses around the world? And how can data and analytics help leaders make better decisions? On this episode of the On Aon podcast, we hear from Aon's CEO, Greg Case, and Chief Administrative Officer, Lisa Stevens, about the opportunities for businesses to more effectively address risk and people issues and how Aon is going further, faster to help. Experts in this episode: Greg Case, CEO, AonLisa Stevens, Chief Administrative Officer, Aon Additional resources: 2025 Climate and Catastrophe Insight2024 Client Trends Report Key Moments: [1:50] What we heard from clients at our Property & Casualty Symposium[4:42] Aon's Better Decisions Lab[6:33] The interconnected megatrends of Trade, Technology, Weather and Workforce[9:45] Opportunities for businesses in 2025 Soundbytes:Greg Case: “Our clients consistently remark that decision-making is becoming harder. Last year proved to be no exception and 2025 is off to a challenging and fast start…Yet in the face of this volatility, there's also significant opportunity for businesses and society to use data and analytics and innovative solutions to address their risks in new and more impactful ways.”Lisa Stevens: “We've identified four megatrends that are impacting every aspect of business decision making – Trade, Technology, Weather and Workforce…and the interconnected nature of these trends means that clients need advisors who are able to look at the connection points and provide integrated solutions and responses.” Greg Case: “Our clients have really responded to these megatrends, which are driving a level of complexity and volatility that has changed the way they think about risk and people issues.”Greg Case: “Our Better Decisions Lab brings together the content, the data, the analytics that we've been working so diligently on for a number of years in response to client need. It was a thrill to sit with our clients as they saw their own data come to life in real time and experience what this data could do for them as they think about the potential impact over time of climate risk on their overall portfolio of assets.”Greg Case: “I feel privileged to support our 60,000 colleagues at Aon on our mission to serve our clients and make a difference in the world. We have never been in a better position to help clients address their challenges, which is incredibly gratifying. If you want to see a happy Aon colleague, watch them wow a client – that really makes a massive difference at our firm.”Greg Case: “We've created what we believe is very much a first mover advantage. Our 3x3 Plan puts our firm in a position to curate and develop a set of analytics and content that will help us go further, faster and accelerate our Aon United strategy to serve client need.”

Topics include:  DC update: Impacts of the first 10 days of the new administration  Risk management strategies: Minimize scope creep and billing risks  AI and tax: Ways you should be using AI in your tax practice if you're not already  Technical updates: Essential IRS news and resources for busy season     Speakers:   Erik Asgeirsson, President and CEO, CPA.com  Mark Peterson, EVP, Advocacy, AICPA  Michael Ceramie, EVP, CPA.com Lisa Simpson, VP, Firm Services, AICPA  Melanie Lauridsen, VP, Tax Policy and Advocacy, AICPA Ashley Francis, Owner, The Francis Group  April Walker, Lead Manager, Tax Practice & Ethics - Tax Section, AICPA  Sarah Ference, Risk Control Director, Accountants Professional Liability, CNA   Stan Sterna, VP, Professional Firms, Aon 

On this episode, Nicole Graham, Risk Consultant — Aon, and Stan Sterna, Vice President — Aon, the national administrator and broker for the AICPA Member Insurance Programs, discuss identifying high-risk clients and managing conflicts of interest. They share their experiences and insights on professional liability risks, client acceptance and continuance protocols and the importance of maintaining objectivity and ethical standards in the accounting profession. What you'll learn from this episode: Why it's critical to have and follow client acceptance and continuance protocols. How to properly manage a conflict-of-interest situation within a firm. Best practices on termination of client relationships. The importance of having an engagement letter in place particularly when dealing with high-risk clients. AICPA resources Client Termination Practitioner Checklist and Notification Letter Terminate a client relationship by following these helpful practice management reminders and then formally communicate the termination to your client. Say “I do” to engagement letters This podcast centers around the importance of engagement letters for tax practitioners.    Client Continuance Evaluation Tool Tool designed to help CPA firms determine whether or not they should continue working with a client or terminate the relationship.   Transcript April Walker: Hello, everyone, and welcome to the AICPA's Tax Section Odyssey podcast, where we offer thought leadership on all things tax-facing the profession. I'm April Walker, a lead manager for the Tax Section, and I'm here today with Nicole Graham and Stan Sterna. They are both with Aon, and I'm going to let them tell you a little bit about what they do. We're here together recording, which is always exciting to be able to do that in person at Digital CPA in Denver, and they are doing a session called identifying conflicts of interest and high-risk clients. I thought, that sounds really interesting and something our listeners might want to learn more about. Stan, we'll start with you. Tell us a little bit about your background and where you're coming at this session. Stan Sterna: Sure, thank you, April. I have a legal background. I started off practicing law, about 34 years ago, I'm dating myself. My entire career has been defending professional service firms and then an opportunity to take a position with Aon, who is the national administrator and broker for the AICPA Insurance Program, of which CNA is the underwriting partner, the carrier and had worked with Aon for a long time and they wanted me to come over and serve as a risk control consultant for not only the program but also for some of the larger firms as well. I came over about 2016 and I currently advise firms on professional liability risks, cyber risk. I'm also involved in doing presentations like I am here today at Digital CPA and other industry events, writing articles for the Journal of Accountancy, as well as other publications. I like to look at ourselves as risk advisors as not somebody that puts a stop sign up and says, don't do anything or don't do something. It's giving folks in the accounting profession the tools in order to manage the risk while providing services and expanding and growing their practice. April Walker: Nicole, what's your perspective on this topic today? Nicole Graham: Well, I am here to scare everyone just a little bit. April Walker: That's okay. Nicole Graham: But I'm Nicole Graham. I am like Stan, a recovering attorney. I was in litigation practice for almost 18 years. For the majority of that time, I represented professional service firms in professional liability litigation and also disciplinary actions. I did that for a long time and decided to take off the boxing gloves, stop fighting every day, and instead take all those lessons learned and now try to work with firms proactively to avoid some of those pitfalls. April Walker: Let's talk about identifying high risk. High risk could mean different things to different people. Stan Sterna: I think the first thing you need to do, April, is you have to have client acceptance and continuance protocols in place. That's vital to identifying, is this client a right fit? You have to have that process, but as part of that process, you have to identify initially what is the risk appetite of the firm. What is your ideal client? It could be by industry, it can be by size. It could be by geographical location. It could be by the amount of revenue they make if it's a company or income. Identifying what is your ideal client, I think, is the first step. Then you have to not only, and I think this is important, evaluate a client when they're coming through the door to see if it fits the risk appetite at a firm, but also you have to continually and regularly monitor the client and whether or not the client is still a member or still fits within your risk appetite. That's what we call client continuance. Sometimes client acceptance, everybody does client acceptance and might not be in one shape or the other, might not be the best client acceptance. April Walker: It's not formal maybe. Stan Sterna: Everybody's evaluating even folks that don't have written criteria or developed any concrete parameters. In some subconscious level, you're thinking, is this somebody that I want to work with or have as a client? But on the other hand, continuance seems to get short changed, especially in the tax area. One of the things that we've seen when we've dealt with a tax claim is situations where you have a client who maybe doesn't pay on time, or the client is constantly providing information at the last minute, and you're scrambling and you have to get extensions. But yet, when the client came in the door, it seemed like a perfect fit for the firm. You're not re evaluating the situation, whether it's the demeanor of the client, the way they cooperate or maybe just circumstances change with the client that at least should be the impetus for looking at the client and rethinking is this client a good fit for our particular firm? Unfortunately, we've seen a lot of claims in the past, both Nicole and I, where continuance was the issue and not monitoring, is this a potentially high risk client? I think, in the tax area, one of the biggest risk flags or red flags is not paying fees and/or not giving information on time. Unfortunately, when people don't pay fees and they're constantly either slow paying or they want to pay a fraction of it, if you pursue those fees, a lot of clients will turn around and point the finger at the accountant and say, well, there was something that you did that I didn't like, and that's the reason why I'm withholding fees. A lot of them it's a ruse to be frank with you, a client ruse in order to avoid either paying the fees or have some leverage in negotiating the fees. April Walker: Sure. Stan Sterna: Folks people are dedicated to the profession and I'm sure there's a lot of folks out there that absolutely love what they do and they love their clients, but for the most part, people aren't doing tax work for free. This is not a hobby. April Walker: This is not nonprofit. Stan Sterna: You should get paid. We've seen plenty of circumstances in the past where you know it's a problem client. Every time you say, well, I'm in the midst of preparing your returns for this year, I need to get paid from last year, and they'll put it off because they don't necessarily want to get in a situation where they're going back and forth with the client. Some folks will look back and go, well, the founder of our firm brought that client and it's a legacy client, and yeah, they don't pay, or yes, they're always questioning what I'm doing. They always want to, and these are other red flags, take shortcuts when preparing their taxes or giving you incomplete information. Then you continue to say, look the other way and muddle through it and file a return with the best information available. Keep your fingers crossed. April Walker: That's not a good risk plan. Stan Sterna: That's not a good risk risk plan. In that situation, you should really look at that individual. It could be a friend. It could be a legacy client and decide, do we really continue together on this path in a tax preparer client relationship? Is it in my best interest to do that? April Walker: These are good things. I'd like to pivot a little bit now and we'll talk about with Nicole, and certainly a high risk client could be, or another way of looking at it would be a conflict of interest. Talk to me Nicole a little bit about what kind of conflict of interests do you see that are problematic and how practitioners can recognize that, and also, take the next step as far as what do they do if they identify something as conflict of interest? Nicole Graham: A conflict of interest is really just being able to identify and manage situations where there are competing interests or relationships. CPAs are required to maintain and protect their objectivity when they're providing client services. That is paramount to their duties to their client under the code of conduct, and something that we have to protect. Nicole Graham: The way that the conflict of interest comes up is you have clients that could be adverse to one another. April Walker: A divorce situation? Nicole Graham: Correct. Or you have business partners who are going through a business dispute and you represent both of the business partners. We see that a lot. When you look at these relationships and competing interests, you have to ask yourself questions. Am I able to remain objective while providing service to both affected clients, you also need to make sure that you are not putting your personal interest before client interest because there are your own self-interest or the interest of interests that your firm has or that close family members or close friends have that could affect your objectivity in providing client services. This is something that you need to look at when you're evaluating a potential conflict. You should be asking yourself, who are the stakeholders, do I have any personal issues that I need to address or any personal interests? Yes, no. Does this affect a client? For example, do I already represent a competitor in that industry, and would providing strategic insights to these competitors be a conflict? Could it be to the detriment of my other client? These are things you need to look at. If you have a conflict, it doesn't necessarily mean you have to turn away the business, but it is something that you need to evaluate and you need to evaluate it from the beginning. If however, you identify the conflict, you can then proceed with a representation, but you have to meet a little test. If you look at Section, I think it's 10.29 of circular 230, it identifies the ways that you can manage the conflict and still represent the client. You have to have a reasonable belief that you can provide the affected clients with proper objectivity and diligence in the representation. You have to make sure that you're not violating any laws by representing them both and you have to have informed consent and waiver by the client and it must be in writing, and it must be done sooner rather than later. Don't wait till the end of the representation to address it. In identifying how you go about this, we usually refer to it as the ACE framework. Awareness, communication, and exit, awareness, identifying the conflict, and once you identify it through asking yourself these various questions, then you have to communicate the conflict to the client. When you do that, you have to be specific about the potential conflict. You want to make them aware of it, you want to make them aware of the potential implications. You want to tell them your idea for how you plan to manage what guardrails you're going to put in place during the provision of services to protect them. You want to get their consent. You want to get it in writing. You want to document it, and then you also need to keep that documentation. Then if you decide through your analysis though, that the conflict can't be properly managed, that despite all the guardrails you can put in place, you still feel that there is exposure to you or your firm in going forward with the representation, then you should consider not taking on that client or disengaging, you have to eliminate the conflict. April Walker: Very helpful, Nicole. In your ACE framework, E is for exit. We've got exit and terminating the relationship. Nicole Graham: It's really when you're evaluating how to put in different guardrails, for example, can you have separate engagement teams to help both clients who might have competing interests and form an ethical wall? Then you realize, actually, I don't have enough people with the requisite expertise to form two engagement teams. Well, then that means you cannot take on both representations, you're going to have to eliminate the conflict, so you'll have to figure out which of the clients to move forward with and which one to let go. That's one of the most basic ways I've seen firms have to exit from a situation where they didn't have the resources to put in the proper guardrails, like having separate engagement teams. April Walker: That makes sense. Stan, where do you see termination in this risk area, and how do you help your clients with that? Stan Sterna: It's an important part. Like I said, not every client is a good fit for a firm. There's going to be clients that you really shouldn't touch with a 10 foot pole. There is a method to terminating that if you do it effectively, can help mitigate your risk. This is in the context of not only conflicts of interest, but high-risk clients that you don't want to take on. Most claim scenarios involving client termination involve terminating in such a way that the client feels you left them in a lurch, and that there was some deadline that is going to be missed because you left him in a lurch and maybe you didn't tell him about that deadline. That is really, I think, the core focus of claim scenarios involving termination. How do you terminate? Is there a good or is there a bad way? I think there is a good way. Once you make the decision, we need to terminate this client. I'll say April, more and more firms, and I'm encouraged by this, are culling their clients. The way to do that is once you identify this as a client that maybe for whatever reason is one that the firm is no longer going to continue with, what you should do it should be in writing definitely. Claim scenarios involving accountants' liability situations are document intensive. This is not a car accident type of case where there are eyewitnesses, it is going to fall back on documentation. Documenting a letter by a traceable delivery method, whether it's certified, whether it's traceable electronic communication, registered mail, whatever, a traceable delivery system or delivery method that says we are terminating. The ABC CPA firm is terminating the engagement effective immediately returning all original documents to them and then saying in the letter, you have important deadline and it's coming up here. You have to file your returns by this date or you have to file an extension by the state. We'll gladly connect with your successor tax preparer when you identify them and provide them whatever information they need so that they can I'm not going to do any work. But if they need some documents that we have or just want to converse, we'll make ourselves available. Then one thing we always hear from clients is that they want to get into a tit-for-tat with the client. I want to put in the letter everything that I felt they did that made my life miserable. We always advise, don't do that. The termination letter is not an opportunity to go through a give and take, a back and forth with my client. It's not productive. You don't have to do that. You should have a termination clause and your engagement letter says, we can terminate at any time. If you want to put in there because the fees aren't being paid, I would say each side should be allowed to terminate. That's not the point to do it. Plus, when you start arguing facts, facts they're subjective. People have their own ideas and their own version. Another important thing is, I think you should always say there's unpaid fees and that you owe me the outstanding fees because I don't want to give the disgruntled client the opportunity to say, well, obviously you terminated because you did something wrong and you didn't ask for your fees. That's why you didn't really pursue your fees. Saying, hey, it's legitimate work we did. This is the work that's finished. You owe us X amount. I think further buttresses the strength of the termination letter. There is a mitigating way to mitigate risk. Nicole Graham: I just wanted to add a point on when you in your termination letter advised that there are outstanding fees, I would always characterize enclosing your final bill. You don't want a situation where they think paying the bill means that they get to stay on as a client or that they get to argue that. Definitely characterize it as the final bill for services and that making it clear that there will be no further services. April Walker: Thank you so much. Nicole and Stan. This has been a lot of good information for our listeners to think about. Nicole, is there anything else you would like to leave us with as we're thinking about conflict of interest? Nicole Graham: Sure. I think it's really important to have your conflict management practices and protocols in place. You want to make sure that you have your framework really built out and you want everyone in your firm to know what these practices and procedures are and explain to them why they're needed. These are not just for your intake people to go through because during the course of an engagement, these conflicts can change and if you have a conflict that changes, you need to address that with the client because you no longer have informed consent if they don't know that there was a change. That's good. That's why it's imperative that not just your intake people know, but the whole firm knows and understands why you do that. It's important to create a culture where people are aware of their ethical obligations, they feel comfortable raising these questions and concerns to the appropriate channels within the firm. You want to make sure that your tone of the top is really stressing your ethical responsibilities, that there are clear reporting channels for your people to address their concerns with. Really, as Stan said, documentation is so key in these engagements, you want to make sure that your conflict management process is properly documented. You want to have everything documented from when you identified the conflict to however it was managed and resolved, whether it was exiting the engagement with the client and having your disengagement letter or having your informed consent and putting your guardrails in place. That should all be properly documented. Consistency is key because if you have the practices and procedures in place, you need to follow them. Because if you have a deviation from your practices and procedures, that will be exploited by a plaintiff's attorney and you're going to have to answer that in a lawsuit. A good way to have consistency is training and education with your people. Make sure that they are aware you have continuous training and workshops to stress their ethical responsibilities in managing these conflicts. April Walker: I know that when I was in practice, we had a yearly review of the client list and we had to sign and say that there were no conflicts or if there were, we had to address them. I don't know if yearly was sufficient, but that was the message that I heard that it was important. Nicole Graham: I think that's a great idea. I will say, to make it where that exercise doesn't become a check the box exercise for your practitioners, have that statement that they have to sign go out at the same time you're doing the training. So all of the things you're telling them to consider about ethics and conflicts are top of mind when they're reviewing that. April Walker: Makes sense. Nicole Graham: Stan, what's some closing thoughts you'd like to leave us with today? Stan Sterna: Well, I think the first thing I'd like to note is that tax claim severity has been increasing in recent years. I've been doing this a long time and for years, tax claim frequency was and still is the highest. We receive more claims involving tax services than any other service offering and that's not surprising. It's the bread and butter of what CPAs do and accountants do. But we've seen an increase and it's driven mainly by FBAR and syndicated conservation easements, promoting them, lack of due diligence with regard to it and IRS disallowing the deduction and then the accountant gets sued. Those are some substantial damages involved. The other thing is tax is always the lowest service line in terms of use of engagement letters. Obviously, as an auditor, our attest engagements are required to have engagement letters. But a lot of folks and we get a lot of questions from folks or a lot of comments that are tax preparer only and saying something along the lines of, well, I've never used engagement letters or my clients there's no expectation. I've had these clients for years and years. It's monotonous. It makes it look like I'm trying to hide something or cover my bases and all that. It's really not true. You got to look at it this way, and it's an analogy that Nicole and I use a lot when we're talking to folks is you certainly wouldn't have somebody come into your home and do work on your house without a contract, without an engagement agreement, without knowing what they're going to do, what's the limitations of what they're going to do, what is the scope of what they're going to do, how much they're going to get paid, all those things. Why would the expectation be that the client is going to get their tax returns prepared or have tax work done without an engagement agreement? Just doesn't make make sense.  They shouldn't be offended by it. It should just be something that is just as beneficial for them as it is for the CPA is Number 1. Number 2 is that when you're dealing with a high-risk client, one of the first things that we go to high-risk client or not, Nicole can tell you this when we would deal with defending CPAs in a professional liability claim, first thing we would ask for is the engagement letter. Let me see what you're doing, what you agreed to do and with certain clients or with any client? What are your liability limitations that you have in engagement agreement? A lot of folks use and we recommend highly and we have templates of terms and conditions where you can limit the liability. You can have damage caps if the other side agrees to it. You can shorten the statute of limitations. You can pinpoint what venue and what law will apply. A lot of different things to help limit your exposure. It's going to ultimately be the court's decision if you end up unfortunately in litigation as to whether or not they're going to uphold these provisions. Well, I know some will if it's clear and concise, and it's not otherwise boilerplate in the engagement agreement. They'll look at two sophisticated parties, both going back and forth negotiating an engagement agreement. It was pretty clear what the expectation was and everybody knew what was intended. But even if it's not used or the court does not uphold it, we use it claims in defending the claim. In settlement negotiation, you can use it as leverage to say to the other party, you're asking for exorbitant damages. You really need to discount them considerably because I have this cap, let's say, a damage cap in a provision limiting your damages to $10,000. Even in situations where maybe the court didn't uphold the cap, maybe it's subject to appeal, maybe a court just denied a summary judgment motion to limit the damages and said, you know what, we'll let the jury decide later. You can use that as leverage. It's always an argument unless it's dead in the water, unless they dismiss it with prejudice, it's something that you can use if it's subject to appeal or if it's just going to be something they're going to argue at trial as an issue of fact and the court didn't dismiss it. I think those are two critical things that I'd like to tell your audience since we had the opportunity today. April Walker: Those are good. I appreciate you giving us information and I know our listeners will appreciate it. Again, sometimes it's not the most fun topic to talk about or to hear about, but important nonetheless. Stan Sterna: You're right. It's not fun, but it's fun when you avoid a bad situation because you remember something that either you read or maybe something Nicole and I said today, that makes it where you feel like it's well worth it. April Walker: Very good. Thank you so much, Nicole and Stan. The name of our podcast is Tax Section Odyssey, so I like to think about our journeying together, we're journeying together as an odyssey towards a better profession. Just for a little bit of fun, I like to hear from our guests on what their journeys outside of tax are. Just quickly give me if you have a travel, something planned maybe for the holidays or something coming up that you're excited about. Nicole Graham: Well, I'm very excited for the holiday season, but not for traveling, but I'm excited for traveling this winter for the ski season. I will be traveling up to Vermont to go skiing, I'll be traveling locally in Pennsylvania to go skiing, and I'm hoping to make it back out to these parts since we're in Denver to do a little skiing. Unfortunately, I can't tack on any days to this conference. But I'm very excited for the ski season. April Walker: Wonderful. What about you, Stan? Stan Sterna: Well, I'm almost hesitant to say this as a risk advisor, but I'm hoping to have a casualty-free holiday season. I ended up three stitches in my index finger at Thanksgiving carving the turkey, so I'm just going to watch someone else carve it and just eat and enjoy my holidays hopefully casualty-free. I love it. That sounds good. April Walker: Just enjoying without a trip to the urgent care or the emergency room. That's perfect. Thank you again so much. Again, this is April Walker from the AICPA Tax Section. This community is your go-to source for technical guidance and resources designed especially for CPA tax practitioners like you in mind. This is a podcast from AICPA & CIMA together as the Association of International Certified Professional Accountants. You can find us wherever you listen to your podcast and we encourage you to follow us so you don't miss an episode. If you already follow us, thank you so much and please feel free to share with a like-minded friend. You can also find us at aicpa-cima.com/tax and find our other episodes. One of which is an episode specifically about engagement letters with our CNA friends. You can find that and get access to other resources mentioned. Thank you so much and thank you for listening. Keep your finger on the pulse of the dynamic and evolving tax landscape with insights from tax thought leaders in the AICPA Tax Section. The Tax Section Odyssey podcast includes a digest of tax developments, trending issues and practice management tips that you need to be aware of to elevate your professional development and your firm practices. This resource is part of the robust tax resource library available from the AICPA Tax Section. The Tax Section is your go-to home base for staying up to date on the latest tax developments and providing the edge you need for upskilling your professional development. If you're not already a member, consider joining this prestigious community of your tax peers. You'll get free CPE, access to rich technical content such as our Annual Tax Compliance Kit, a weekly member newsletter and a digital subscrip

Industry experts address the critical topic of property and casualty insurance, a topic that is actutely relevant amid the devastating fires in Los Angeles. AON's Ryan Barber, Walton Street Capital's Raphael Dawson and CBRE's Chris Nassa discuss approaches that can help commercial real estate owners manage risks and stem rising costs.Share these insights from this week's episode: Innovative Modeling: Property owners should adopt a sophisticated approach to risk management, using advanced tools and models to inform their insurance decisions.Captive Insurance: Owners with large portfolios should consider captive insurance and other programs to manage costs and realize profits.Data Accuracy: Providing detailed and accurate information about properties can significantly impact insurance modeling and premiums.Stay Informed: Companies should designate an in-house expert dedicated to staying informed about insurance market trends and innovations crucial for effective risk management.

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this episode of the Commercial Real Estate Podcast, Adam and Aaron sit down with James Trainor, Senior Vice President at AON, to explore the pressing issue of cybersecurity in the real estate sector. Drawing from James's extensive experience in cybercrime, the discussion covers... The post Cybersecurity Risks in Real Estate with James Trainor, SVP of AON appeared first on Commercial Real Estate Podcast.

In this podcast John Harney, associate partner at AON, actuary and expert on pensions - see https://www.linkedin.com/in/johnwilliamharney/ leads the discussion on what was learned over the course of 2024 - how we separated the wood from the trees and what trends we perceived. Both Episode 270 Penny Green (https://www.fiftyfaceshub.com/270-penny-green-pensions-and-trustee-veteran-putting-members-at-the-heart-of-everything/) and Episode 289 Carol Geremia (https://www.fiftyfaceshub.com/289-carol-geremia-of-mfs-investment-management-why-fiduciary-responsibility-is-always-in-fashion/) have as their touchstones the end use - whether the beneficiaries of pension funds or consumers of investment products. Getting back to the wood from the trees we look at the growth of Total Return investing, in two conversations with sovereign wealth funds - both Derek Walker of CPP Investments (Episode 260 https://www.fiftyfaceshub.com/260-derek-walker-of-cpp-investments-total-return-for-the-portfolio-of-tomorrow/) as well as former CEO of NZ Super Fund Matt Whineray (Episode 287, https://www.fiftyfaceshub.com/287-matt-whineray-former-ceo-of-nz-super-fund-towards-a-total-fund-portfolio-aproach/). In the discussion with emerging managers spotting opportunity we cite the podcasts with Raudline Etienne (Episode 291 https://www.fiftyfaceshub.com/291-raudline-etienne-of-daraja-capital-the-power-of-being-first-when-scouring-for-talent/) and Hallie Label (Episode 249 https://www.fiftyfaceshub.com/249-hallie-label-of-expect-equity-what-to-expect-when-youre-nurturing-investment-managers/) We also cite the most downloaded podcast of the year Episode 261 with David Golub (https://www.fiftyfaceshub.com/261-david-golub-of-golub-capital-giving-culture-the-credit/) and its focus on culture as well as the emerging importance of private credit made for a fascinating discussion.

“If the average person just more consistently did what they already know they'd be healthier, happier, and be making more money.” – Brian Moran Brian Moran the New York Times bestselling author of “The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months” is going to share how to get more done in less time. He will take us into this execution system he developed while also sharing easy to implement time management strategies. He also connects the dots back to why it is important to create our life vision so we can structure our time and goals around that vision. You will learn tactical steps that you can use today to move closer to the life you desire. Loved this conversation so much! Please be sure to share it with your friends who would benefit from this information. Also be sure to subscribe on Apple Podcasts so you don't miss an episode. Resources Mentioned: JOIN THE NEWSLETTER + Receive A List of 52-Selfcare Tips CONNECT WITH MICHELE ON IG Buy Michele's Book, Design a Life You Love Brian's Book: The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months Brian's website – https://12weekyear.com/ – Thank you for listening to the show! WHAT YOU'LL LEARN: Why the 12 week year is an execution system and how that helps you get more done in less time. It's not enough to know. You have to execute. Knowledge is only powerful if you act on it. Get out of the annual environment. With this program, you are going to stop after 12 weeks and that is your year. Measure your success or failure and measure the progress and then go again. It's a fluid process. You can use this professionally or personally. You can do anything for 12 weeks and then decide is that somethingI want to do again. Your vision is you're why. Your goals NEED to align with the vision. At the goal level, know the difference between goals and tactics and outcomes and actions. The actions we have control over. Goals are outcomes. Make sure at the goal level that is measurable – it's an outcome. Determine what are the most important actions. Most plans are conceptual not tactical. You need to spell out the specific actions and focus on “less is more”. Stay connected to your vision by putting the longer term vision in front of you – laminate a card you can look at every day. Create visual reminders. The difference between a habit and routine is key. Ex, going to the gym is a routine not a habit and routines are what drive success. How you begin and end your day needs a routine. The key is to start off positive. End your day with gratitude. How to manage time. Time blocking – 3 core blocks: A. Strategic Block -3 hours blocked during the week. No interruptions – working on the business not in the business. THIS CAN CHANGE YOUR LIFE. B. Buffer Blocks – these are designed to deal with the emails/low level stuff. Ex, I return calls between 4-5pm. Don't check your emails when they come in. Block time in to address it. C. Break out blocks – schedule time away from work to do something just for you to recharge. The Four Disciplines of the 12 Week Year   Vision – You have to know what you want. Planning – You have to ask – “What matters most?” Execution – Then ask, “Am I doing it?” Measurement – “Is it producing?” Guest Bio: Brian Moran, President and Founder of The 12 Week Year, has thirty plus years of expertise as a corporate executive, entrepreneur, consultant and coach. Brian is a recognized expert in the field of leadership and execution. His realization that most people don't lack ideas, but struggle with effective implementation led him to the development of ‘The 12 Week Year'. His client list includes industry leaders like Allstate, Aon, Becton Dickinson, Dunkin' Brands, Keller Williams, Mass Mutual, Medtronic, Merrill Lynch, Meritage Homes, Nationwide, New York Life, Papa Johns Pizza, Prudential State Farm and Taylor Made just to name a few.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.We're nearing the top of our countdown! As we celebrate the Top 5 Most Downloaded Episodes of 2024, this week we're revisiting the conversation that landed at No. 2.In this episode, host Juan de Castro is joined by James Platt, Co-Founder and Operating Partner at Trimstone Partners. James brings a wealth of experience in operational transformation and technology innovation, with a career that spans senior roles at Boston Consulting Group and Aon, where he served as CEO of Digital Solutions.This episode struck a chord with listeners for its bold perspectives and actionable insights. James shares why he believes the combined ratio is a flawed metric holding the insurance industry back, and how leveraging data, digitisation, and smarter decision-making can propel the sector forward.Topics Discussed:Why the combined ratio might be the insurance industry's biggest obstacle.Lessons from other industries like mortgage and asset management on evolving successfully.How data and digital tools can unlock new growth and efficiency opportunities.Don't miss this thought-provoking episode as we edge closer to revealing the No. 1 most popular episode of 2024!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In the final ESLA Icons & Experts of the year we're tackling an issue affecting every extended stay hotelier: Insurance!  I'm joined by ESLA Chair and Founder, Doug Artusio, also CEO of Dellisart Hospitality. We're joined by Peggy Roberts & Laura Betten of AON – Insurance experts shedding light on market trends and risk management. Key Topics Covered: The rising cost of insurance: What's driving the increase? Post-COVID underwriting changes affecting extended stay properties. How to build trust and partnerships with insurance providers. The importance of tailored coverage and loss prevention strategies. Navigating state-specific regulations and multi-state challenges. Pro tips for mitigating risks like human trafficking and property liability. Key takeaways include: The Sophistication of Hotel Ownership: Hotel owners face increased complexities in managing franchise contracts, banking requirements, and insurance policies. This necessitates a strategic approach to compliance and coverage. Proactive Insurance Strategies: Owners should adopt a forward-thinking approach to insurance by engaging with brokers early, leveraging industry data, and analyzing risks specific to property types and locations. Three-Pronged Support: Effective hotel management relies on a triad of support from CPAs, legal advisors, and insurance brokers. Each plays a vital role in mitigating risks and ensuring compliance. Data-Driven Risk Assessment: Insurance brokers like Aon use industry data to anticipate risks and tailor solutions. Predictable issues (e.g., fire sprinkler misuse or cooking accidents) and unforeseen events (e.g., vehicle crashes into buildings) require balanced, data-informed coverage. Flexibility and Alternatives: Hotel owners dissatisfied with current insurance arrangements can seek reviews and alternative plans, even mid-term. Building trust with brokers involves detailed program evaluations before commitments. Group Purchasing Power: Leveraging economies of scale through pooled arrangements or associations can significantly reduce costs and improve negotiating power with insurers. Options like captive insurance allow owners to retain premiums and build a collective rainy-day fund. Creative and Custom Solutions: Owners should prioritize partnerships with brokers who listen, innovate, and offer tailored solutions rather than just annual policy renewals. Regular Reviews and Reassessments: The importance of reevaluating all costs, including insurance, was emphasized, with advice to actively explore market options for potential savings and enhanced coverage.

Live work with Joshua-- The Secret of Self-Esteem I was recently a guest on the “Philosophical Weightlifting” podcast with host Joshua Gibson (link). At the end of the interview, he asked if I could give an example of some of the techniques in TEAM-CBT, so I decided to jump right into a live demonstration, in real time, which we are publishing on today's podcast. I am very grateful to Joshua and hope you enjoy the session as much as we did! The session covers a number of topics that just about everyone can relate to, including a couple extremely common Self-Defeating Beliefs: The Achievement Addiction The Love Addiction The Inadequacy Schema (“I'm not good enough.”) It also covers some familiar territory, including the question, “Am I good enough?” It also provides an answer to the questions: “What is the secret of self-esteem,” and “what is the secret of sex appeal?” To kick things off, Joshua shares an upsetting event along with some of his negative thoughts and feelings. The upsetting event was feeling attracted to a young woman who waited on him in a restaurant, and then going to his car and wishing he'd asked for her personal information for a date. Then he courageously went back and did just that, but got shot down. Paired with this experience, his overwhelming thoughts and how strongly he believes each one are: I won't be successful. 85% I won't get to live the life I want to live. 70% I won't find love. 90% I'm not attractive. 100% This is a list of Joshua's negative feelings, and how strong each one was at the start of the session: Feeling % Now % Goal % End Anxious 95%     Sad 90%     Guilty 85%     Inadequate 90%     Lonely 90%     Embarrassed 90%     Hopeless 85%     Frustrated 70%     Angry (with self) 75%     Two things stand out when you examine this list. First, Joshua is an attractive, friendly, and personable young man hosting a popular podcast. If we didn't have these estimates of his feelings, you would have NO WAY of knowing how he felt inside. These feelings are all very severe. So many people we greet in our daily lives are similar—looking terrific on the outside, but dying of loneliness and unhappiness within. Second, he is experiencing nine different types of similarly elevated negative feelings, and not just one negative feeling. This confirms statistical modeling I've done with data from the Feeling Great App. There appears to be an unknown “Common Cause” in the human psyche that activates numerous feelings simultaneously. This is like the “dark matter” of the human psyche. We can prove its existence, but don't yet know precisely what it is! However, our goal today will be to see if we can help Joshua change the way he's feeling, regardless of what's causing his pain. Positive Reframing Tool Feeling Positives Frustration It has motivated me to work hard   It shows I have not given up Anxiety Keeps me from putting myself at risk   It has inspired me to face my fears and grow Sadness Shows how much I care about others   Helps me understand others who are suffering, like my mom   Shows I have high standards and high expectations Guilt Shows that I want to live up to my expectations   Shows that I have a strong moral compass Inadequacy Shows I'm honest about my flaws and eager to improve   Show I'm humble   Makes me approachable Loneliness Has helped my develop independence and autonomy   Has motivated me to reach out to close community and to create my own Embarrassment Makes me behave in socially desirable ways Hopelessness This serves as a driving force   Shows that I'm a critical and realistic thinker   Protects me from disappointment Anger (at self) Shows that I have high expectations for myself and hold myself to a nigh standard You can see Joshua's goals for each negative feeling after we used the Magic Dial. The whole idea was to lower his negative feelings, not all the way to zero, since that would also wipe out all these positives, but lower them enough so that he would suffer less and still preserve all the many positives we listed, and more. Feelings Table with Goal column filled in Feeling % Now % Goal % End Anxious 95% 20%   Sad 90% 10-15%   Guilty 85-90% 15%   Inadequate 90% 10%   Lonely 90% 20%   Embarrassed 90% 10-15%   Hopeless 85% 20%   Frustrated 70% 20%   Angry (with self) 75% 5%   As you can see, he decided to lower all of his negative feelings if possible. Now, we're ready for the M = Methods of TEAM-CBT. Joshua said he wanted to work on, “I'm not attractive” first. I asked Joshua how and why he came to this conclusion, since he is clearly a large and attractive guy. He confessed he had severe acne when he was an adolescent, and now has scarring that makes him look “disfigured”. Although he probably does have some scars, I asked Joshua if he thought this thought might contain some cognitive distortions. He immediately mentioned All-or-Nothing Thinking (AON). I asked Joshua to “Explain this Distortion.” Specifically, I wanted him to imagine that I was a fourth grade student, and to explain to me in simple terms WHY this thought is an example of AON, why the AON in this case is unrealistic and misleading, and why it is also unfair. He did a great job, and this reduced his belief in the thought to 50%. As an exercise, can you think of some additional distortions in this thought? Briefly stop this recording so you can write them down on a piece of paper, and then you can look at the answers at the end of the show notes. “Explain the Distortions” was an excellent first step, but it was not enough, so we went on to the Paradoxical Double Standard Technique. I played the role of a long lost identical twin or best friend who was just like Joshua. I explained that I thought I was not attractive, and asked him what he thought. He did a tremendous job, and argued that this was not really valid, and I asked if he was being honest or just trying to cheer me up. He said he was being completely honest. Then we switched into high gear, using a much more aggressive technique, the Externalization of Voices, including Self-Defense, the Acceptance Paradox, and the Counter-Attack Technique, with perhaps a couple additional techniques thrown in. He got some strong momentum and blew all four negative thoughts out of the water. We were out of time, but did take the time to rate how he felt at the end, which you can see below. Feelings Table at the End of Session Feeling % Now % Goal % End Anxious 95% 20% 0% Sad 90% 10-15% 0% Guilty 85-90% 15% 0% Inadequate 90% 10% 0% Lonely 90% 20% 0% Embarrassed 90% 10-15% 0% Hopeless 85% 20% 0% Frustrated 70% 20% 0% Angry (with self) 75% 5% 0% Answer to the quiz question above: The thought, “I'm not attractive contained many distortions in addition to AON, including: OG = Overgeneralization MF = Mental Filtering DP = Discounting the Positive MR = Mind-Reading Mag/Min = Magnification and Minimization ER = Emotional Reasoning LAB = Labeling SH = Hidden Should Statement SB = Self-Blame I was extremely grateful and honored to be a guest on Joshua's wonderful podcast, Philosophical Weightlifting, and invited him to join our Tuesday psychotherapy training class at Stanford because of his work in coaching. If you are a mental health professional, including a therapist or coach, contact me and let me know! The classes are two hours weekly and free of charge, although some course materials are required. Thank you so much, Joshua, for sharing your “inner self” with me and all of your and our podcast fans! And thank you, all of you, for listening or watching today! Rhonda, Joshua and David The following is an awesome email I received from Jason Meno right after he listened to the Joshua session. Hey there! I just finished listening to the last hour segment of David's "Philosophical Weightlifting" podcast episode with Joshua Gibson (it starts at about 1:13:52). It was fun to see a 45-minute TEAM session in action. I thought the Externalization of Voices (EoV) that was done here that seemed to work really well, really fast. It also highlighted a lot of complex dynamics that I see David use a lot. Here's my analysis of what went down and what I think we can learn from it: Joshua's attack: Joshua's negative thought was "I'm not attractive", but when it came time for him to attack, he said, "You know Joshua, you are disfigured and because of that you're unlovable and that's an unavoidable thing you're going to have to deal with." This attack is a lot more powerful than just the thought "You're not attractive." It digs into hurtful labels, hopelessness, and frustration. When you are in the position of roleplaying as the negative voice, there's often new and subtle dimensions that come out of it. Right now we are making it easy for the user to attack the AI by just printing out their negative thoughts, but I think letting the attack be more dynamic would be a lot better. David uses Be Specific: "Can you tell me in what way I'm disfigured?" I REALLY like Be Specific. It sets things up very well. I'd love to do this as part of the EoV formula. Joshua answers: "Yes, so you had acne growing up and now you have scars as a result and that makes you look different from everyone else." David uses Paradoxical Acceptance / Humorous Magnification: "Well, thank you, wise guru. I'm enlightened now and see that I'm some kind of ugly monster who's going to scare all the women in the United States. But what you're saying is a lot of horseshit, and you know it." David's sarcastic tone belittles the negative voice's criticism, which also lightens up the absurd magnification that follows. He then quickly rejects the absurd and flows into healthy acceptance following this. David uses Straightforward Acceptance: "But it's true I'm not perfect, and I did have acne, and I do have scars, and there there's plenty of Hollywood movie stars who have some kind of fantastic looks." There's something very powerful about going from the absurd magnification into this healthy acceptance. It's kind of like framing the horrifying absurd with the moderately painful truth makes the truth a lot easier to accept. David uses Defense: "I have a lot about me that's attractive that I can be proud of, including my love, my humility. I've built a tremendous body that 99% of men would be the envy of, and 100% of women would love to touch and fondle." The self-compassion and focusing on specific strengths and pride in accomplishments seems to a very effective defense. There's also a little magnification and humor going on here too that works well. This is a lot stronger than a lot of defenses I see where people just say the thought is being distorted or unfair. David sets up the Counter-Attack Technique: "But there is one thing that's very, very unattractive about me that you didn't mention." Joshua asks: "What's that?" David uses the CAT: "That's that effing crappy voice in my head belittling me and constantly putting me down. And when I'm not listening to you, I'm feeling pretty damn happy. So, to quote the Buddha and Jesus alike, shut the f up." One of the things that seems to make the CAT really effective is when you can take the negative voice's criticism and throw it right back at the negative voice itself. In this case, the negative voice is the real unattractive quality. Awesome work David, and I'd love try out this EoV framework in the app. Best, Jason Roughly one week after the session with Joshua, Rhonda and David interviewed him for his reflections on the session and an update on how he's doing now. He said: I've reflected a lot on this, and what has changed for me. There were many things that impacted me, but positive reframing was a game-changer. For example, if I get anxious, I welcome the feeling, and tell myself, "This anxiety will help me with this project." I was getting a tattoo, and it hurt, so I told myself, "I'm glad it hurts. This pain protects my body." And, of course, people with leprosy lose the ability to feel pain, and the consequences are disastrous and tragic. He continued, I have become more accepting, and talk openly about my appearance. I've had the courage to face that fear. The theme of my life has been, "I'm not good enough." But now I remind myself that I've done all kinds of cool stuff. For example, I coached several people into the top five in the United States in power lifting. I'm way less self-critical now. I visited, and loved, the Tuesday group at Stanford. I didn't judge myself but just jumped in and did what I could do! We concluded the session with some Relapse Prevention Training, using Externalization of Voices to challenging his previous negative thoughts, including the thoughts he will have when he relapses. such as I'm not good enough. I'm a hopeless case. The therapy didn't work on me because I'm different. I'm a hopeless case. We used Externalization of Voices with role-reversals, and Joshua won "huge!" His final response was, "There's pain and joy in life. I'll feel joy and love!" Thank you for listening today. We hope you enjoy the intensely personal work with Joshua. Let us know what you think, and if it touched you if you've ever felt like you weren't "good enough!" Warmly, Joshua, Rhonda, and David  

The president of insurance giant AON tells Will Bain that firms should rethink their executives' security, calling on political leaders to “set the tone” on making the environment safer for CEOs. Eric Anderson also spoke about offering war risk insurance to businesses in Ukraine. Plus, how are Nigerians coping with inflation? The country's annual inflation rate climbed to a more than 28-year high in November, on the back of rising food prices.

In this enlightening interview, I sit down with Jennifer Flynn, a seasoned expert in risk management and professional liability. With over 24 years of experience in healthcare insurance, Jennifer brings her wealth of knowledge to help nurses navigate the complex world of liability, patient safety, and quality management. What We Discuss: ✅ Common scenarios where nurses might need to use their liability insurance—step-by-step insights. ✅ The Rhadonda Vaught case: How typical (or atypical) are criminal charges against nurses for medical errors? Should nurses be concerned? ✅ Practical, actionable strategies to minimize liability risks while enhancing patient safety. ✅ Breaking down the differences between employer-provided malpractice coverage and individual liability insurance. Jennifer also shares tips to empower nurses to protect themselves professionally while delivering excellent patient care. About Jennifer Flynn: Jennifer is the Vice President of Risk Management for Nurses Service Organization in the Healthcare Division of Aon's Affinity Insurance Services, Inc. She is a Certified Professional in Healthcare Risk Management, published author, and frequent national speaker on healthcare risk and liability topics. Jennifer is dedicated to educating healthcare professionals about liability risks and strategies to support patient safety. Hub of helpful articles related to nursing risk management: https://www.nso.com/risk-management/individuals  Free Nursing Resources

Ask David: Getting Off Benzos How Does Music Stir Our Emotions? Combatting Negative Thoughts about the World Treating Schizophrenia with TEAM The Four Feared Fantasy Techniques and more! Questions for today: Mamunur asks: What's the best way to withdraw from benzodiazepines? Gray asks: How does music evoke such powerful emotional reactions? Josh thanks David for techniques that have helped in his personal and professional life. Harold asks: How do you respond to negative thoughts about the world, as opposed to self-criticisms? For example, “The world is filled with so little joy and so much suffering.” Moritz asks: How do you help people with bipolar, schizophrenia, etc.? John expresses gratitude for our answer to his question on Positive Reframing, which triggered an “ah ha moment.” Rhonda asks: What are the four Feared Fantasy Techniques? The answers below were written prior to the podcast. Listen to the podcast for the dialogue among Rhonda, Matt, and David, as much more emerges from the discussions! Mamunur asks: What's the best way to withdraw from benzodiazepines? Ask David, Bangladesh question Dear Sir, I am writing to you from Bangladesh. Your book Feeling Good is a phenomenal work, and it has greatly helped in promoting the development of a healthy mind through logic and reason. Sir, I have a question regarding benzodiazepine withdrawal, which is often prescribed for mental health disorders. Is there a specific CBT (Cognitive Behavioral Therapy) approach that can help in withdrawing from benzodiazepines? Your guidance on this would be invaluable, as many people have been taking it for years, either knowingly or unknowingly, without being fully aware of its severe withdrawal effects. Thank you, sir, for your kind contributions to humanity. Sincerely, Mamunur Rahman Senior Lecturer David's reply Dear Mamunur, Thank you for your important question! I am so glad you like my book, Feeling Good, and appreciate your kind comments! As a general rule, slow taper off of benzodiazepines is recommended. This might involve slowly decreasing the dose over a period of several weeks. When I was younger I used to take 0.25 mg of Xanax for sleep, because it was initially promoted as being non-addictive, which was wrong. It is highly addictive. The dose I used was the smallest dose. When I realized that I was “hooked,” I tapered off of it over about a week, and simply put up with the side effects of withdrawal, primarily an increase of anxiety and difficulty sleeping. These disappeared after several weeks. Abrupt withdrawal from high doses of any benzodiazepine can trigger seizures, as I'm sure you know. That is the biggest danger, perhaps. I do recall a published study from years ago conducted at Harvard, I believe at McClean Hospital. The divided two groups of people hooked on Xanax into two groups. Both groups were switched to Klonopin which has a longer “half-life” in the blood and is supposedly a bit easier to withdraw from than Xanax, which goes out of the blood rapidly, causing more sudden and intense withdrawal effects. After this initial phase, both groups continued with slowly tapering off the Klonopin under the guidance of medical experts. However, one of the groups also attended weekly cognitive therapy groups, learning about how to combat the distorted thoughts that trigger negative feelings like anxiety and depression. My memory of the study is that the group receiving cognitive therapy plus drug management did much better. As I recall, 80% of them were able to withdraw successfully. However, the group receiving drug management alone did poorly, with only about 20% achieving withdrawal. My memory of the details may be somewhat faulty, but the main conclusion was clear that the support of the group cognitive therapy greatly enhanced the success of withdrawal from benzodiazepines. I decided early in my career not to prescribe benzodiazepines like Ativan, Valium, Librium, Xanax, and Klonopin for depression or anxiety, because the drug-free methods I and others have developed are very powerful, and the use of benzos can actually make the outcomes worse. Years back, a research colleague from Canada, Henny Westra, PhD, reviewed the world literature on treatment of anxiety with CBT plus benzos and concluded that the benzos did not enhance outcomes. Here is the link: https://pubmed.ncbi.nlm.nih.gov/12214810/. I hope this information is useful and I will include this in a future Feeling Good Podcast.   Gray asks: How does music evoke such powerful emotional reactions? Subject: Re: Podcast question: love songs Hi David, That's a really tough question. Music has a unique way of cutting straight to emotions for me, and it makes it especially hard to identify the thoughts behind them. My best way of explaining is with these two thoughts, which have to be viewed as a pair to get that emotional reaction: My life would be perfect if I had that I'm so far away from that These thoughts don't resonate quite right for me, but it's something like that, going from imagining bliss to crashing to hopelessness within the space of a moment. Thank you so much for your response. Gray David's reply You're right. Music can be so beautiful, especially of course, the songs we love, that it is magical and emotional to listen to! It seems more like a sensory experience, than something mediated by thoughts, but we certainly have perceptions of beauty, etc. Similar with some incredibly delicious food. Creates incredible delight and satisfaction, and no words are necessary other than “delicious!” Sorry I can't give you a better answer to your outstanding question! Best, david   Josh thanks David for techniques that have helped in his personal and professional life. Dear Dr. Burns, I am sure you are swamped with substantive emails and fan mail, but I just wanted to express appreciation to you for all I have gained from your publicly available content. I have learned so much that I have applied in my personal life. I have also benefited tremendously in my work with clients. So much of what you say about anxiety, and especially the hidden emotion technique, has allowed clients to have in almost every session an aha moment. I have not yet been able to see a complete removal of symptoms in one session yet, but as a therapist, I too have many skills yet to improve and much work to do. So, in short, thank you so much for making your experience and wisdom available for free, and thank you for doing it in such an engaging manner. Sincerely, Josh Farkas   David's Reply Thanks, Josh. You are welcome to join our weekly virtual free training group I offer as part of my volunteer work for Stanford, if interested. For more complete change within sessions, a double session (two hours) in my experience is vastly more effective. Is it okay to read your kind note on a podcast? Warmly, david   Harold asks: How do you respond to negative thoughts about the world, as opposed to self-criticisms? For example, “The world is filled with so little joy and so much suffering.” Dear Dr. Burns, First of all, I would like to thank you for all your work and your outreach. Your books have profoundly influenced my thinking and value system. I really admire how you exemplify both scientific rigor and human warmth. Finally, I want to thank you for promoting the idea of “Rejection Practice! I haven't had a breakthrough yet, but some unexpected, very encouraging experiences. I first came across Feeling Good 12 years ago when I developed moderate depression in the context of living with my ex-partner, who probably had borderline personality disorder. I tried the techniques in Feeling Good and also psychotherapy, but unfortunately without much success. I only started feeling a lot better when I began to rebuild my social life and leisure time activities (ballroom dancing, getting involved with a church, ...). Several months later, I also broke up with my ex-girlfriend. Since then, I've had ongoing mild depression. I recently tried the techniques in Feeling Great but wanted to ask you for your opinion on a couple of negative thoughts I'm particularly stuck with. My issue is that I'm normally not attacking myself, but life in general. I keep on telling myself things like "Life is just one crisis after the other," "Life is for the lucky ones," "Really good things just don't want to happen," "Life is so much suffering and so little joy," and the depression itself makes these statements all the more convincing. (Triggering events can be rainy holidays, romantic rejections, grant interview rejections, etc.) I think it could be helpful if in a podcast you could give more examples on resolving negative thoughts attacking life / the world rather than oneself. I also have many more questions for podcasts if you are interested. Thank you for reading this, and thank you so much again for all your work! With very best wishes, Harold   David's Reply Happy to address this on an Ask David, and it would help if you could let me know what negative feelings you have, and how strong they are. I will be answer in a general way, and not engaging you in therapy, which cannot be done in this context. Is that okay? I'm attaching a Daily Mood Log to help organize your thoughts and feelings. Send it back if you can with the Event, Negative Feelings and % Now columns filled out (0-100), and Negative thoughts and belief in each (0-100). You can also fill in the distortion column using abbreviations, like AON for All-or-Nothing, SH for Should Statement or Hidden Should, MF for Mental filtering, DP for Discounting the Positives, and so forth. Thanks! If you were in a session with me, or if we were just friends talking, I would reply to your complaints with the Disarming Technique, Thought and Feeling Empathy, “I Feel” Statements, Stroking, and Inquiry, like this: Harold: “Life is so much suffering and so little joy." David: “I'm sad to hear you say that, but you're right. There's an enormous amount of suffering in the world, like the horrible wars in Ukraine and in the Mid-East. (I feel; Disarming Technique) It makes sense that you'd be upset, and have all kinds of feelings, even anger since there's so much cruelty, too. (Feeling Empathy) And even people who appear positive and joyful often have inner sadness and loneliness that they are hiding. (Disarming Technique) Your comment tells me a great deal about your core values on honesty and compassion for others. (Stroking) Can you tell me more about the suffering that you've seen that has saddened you the most, and how you feel inside? (Inquiry) But I'm mainly interested in you right now. Can you tell me more about YOUR suffering, and especially if there's some problem you might want some help with? (Inquiry; Changing the Focus) I would continue this strategy until you gave me an A on Empathy, and then I would go on to the A of TEAM (Assessing Resistance), and ask what kind of help, if any, you'd be look for in today's session. I might also use a paradox, like the Acid Test. If you wanted to reduce some of your negative feelings, I might try a variety of techniques, such as “How Many Minutes?” I'd also think about the Hidden Emotion Technique. Is there some problem in your life right now that you're not dealing with, so you instead obsess about the problems in the world to distract yourself? I would continue this strategy until you gave me an A on Empathy, and then I would go on to the A of TEAM (Assessing Resistance), and ask what kind of help, if any, you'd be look for in today's session. I might also use a paradox, like the Acid Test. If you wanted to reduce some of your negative feelings, I might try a variety of techniques, such as “How Many Minutes?” I'd also think about the Hidden Emotion Technique. Is there some problem in your life right now that you're not dealing with, so you instead obsess about the problems in the world to distract yourself? I ask this because your negative thoughts are very general, but I always focus only on specifics, specific problems and moments. What's has been going on with your parents or in the past or present that you are distressed about? I've found that when I (or my patients) solve one specific problem that's bugging me, everything seems to suddenly brighten up. For example, you wrote : “I asked someone out I like; she surprisingly said yes. After 10 days of not hearing from her, I messaged her, . . . “ I wrote a book about dating, Intimate Connections, because I was a nurd and had a lot to learn about dating. One idea is that waiting 10 days might not be a good idea to arrange the specifics of the date, as that might make her feel uneasy. There's a lot to learn about dating, for example. A tool like the Pleasure Predicting Sheet can sometimes help, too. And finally, a good therapist can also often speed things up. Sometimes two heads are better than one. You seem extremely smart and willing to work hard, so there's all kinds of room for growth, learning, and greater joy. The Feeling Great App is NOT therapy, but the tools there might also be helpful, especially since you are willing to work hard a do a lot. That's super important. Can I use this email in my reply in the show notes if we discuss your excellent questions? And should I change your name to Harold? Warmly, david Best, david     Moritz asks: How do you help people with bipolar, schizophrenia, etc.? Hi David, You have mentioned a few times that there are only a handful of "real" psychological disorders with known causes, as opposed to just a collection of symptoms. Could you please tell a bit about how you would go about helping somebody with one of the "real" disorders (like Schizophrenia or Bipolar) using TEAM therapy? Most of the episodes with personal work seem to fall into the other category (anxiety, depression, compulsive behavior), so I'd be really curious about some examples. Best regards, Moritz Lenz   David's Reply Hi Moritz, Thanks! Good question, and happy to address this on an Ask David. Here's the answer in a nutshell. When working with someone with schizophrenia, the goal is to help them develop greater happiness and interpersonal functioning, exactly the same as with anyone else, using TEAM. The goal is not to cure schizophrenia, because we still do not know the cause and there is no cure. But we can help individuals with schizophrenia with problems that they are having. Bipolar: in the manic phase, usually strong meds are indicated, and often at least one hospitalization. For the rest of their lives, including depression, TEAM works great. Can add more in the podcast. Best, david   John expresses gratitude for answer his question on Positive Reframing, which triggered an “ah ha moment.” Hi David and Rhonda! I have listened to Episode 415 and your response to my positive reframing question! I had a bit of a aha moment! I think I had been approaching it in the cheerleading sense and trying to encourage myself with these positive qualities rather than attaching the positives to the negative thoughts and feelings themselves! This has created a much stronger emotional response during the positive reframing section! The building up of the negative thoughts and feelings is a gamechanger! Thanks so much for the time and attention given to it during the podcast. Thanks so much again, I appreciate you folks way more than you could know! John David's Reply Thanks, Rhonda and John. Yes, you've pointed out a huge error many people make when trying to grasp positive reframing. If it is okay, we can include your comment in a future podcast. Warmly, david   Rhonda asks about the four Feared Fantasy Techniques: David's Reply Here are the four Feared Fantasy Techniques Approval Addiction / Perceived Perfectionism: “I judge you.” Achievement Addiction: “High School Reunion.” Love Addiction: Rejection Feared Fantasy Submissiveness: No Practice There are quite a number of additional role plays, too, as you know. Maybe a question about all the role plays, bc we all have: Self-Critical Thoughts: Paradoxical and Straightforward Double Standard Externalization of Voices Uncovering Techniques Man from Mars Tempting Thoughts Devil's Advocate Technique Tic-Tok Technique Resistance Externalization of Resistance How Many Minutes? Five Secrets / Relationship Conflict Intimacy Exercise One Minute-Drill I'll bet you can think of more, too! This is one of the unique features of TEAM, but for whatever reason it seems like few therapists use them. As you know, on average they tend to be way more potent and emotional, and of course fast impact. Warmly, david