Podcast appearances and mentions of David Lau

This week, DPL's CEO David Lau talks with Matt Regan, President & CEO at Wealthcare. They discuss how Wealthcare's powerful planning software, investment solutions, and hands-on support help advisors make the leap to independence and scale their businesses. He also offers valuable insights into emerging industry trends and how advisors can grow more efficiently in a competitive landscape. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

This week, David Lau talks with Natalie Wolfsen, CEO of Orion Advisor Solutions. They discuss the evolving landscape of financial advice, the importance of providing technology solutions to financial advisors, and how Orion is committed to creating a comprehensive wealth management ecosystem. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

This week, David Lau talks with Jack Sharry, EVP and Chief Growth Officer at LifeYield, about the importance of tax management in retirement planning. They discuss how advisors can deliver alpha and tax-efficient investing and withdrawals for their clients. Jack also shares how LifeYield helps advisors optimize asset location, minimize taxes, and create retirement income strategies. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Palabras de Torá en la comunidad Maguen Abraham, Buenos Aires, Argentina.

Sabrina Cruz, Melissa Fernandes and Taha Khan from 'Answer in Progress' face questions about comical connections, little lakes and technical tofu. LATERAL is a comedy panel game podcast about weird questions with wonderful answers, hosted by Tom Scott. For business enquiries, contestant appearances or question submissions, visit https://lateralcast.com. HOST: Tom Scott. QUESTION PRODUCER: David Bodycombe. EDITED BY: Julie Hassett at The Podcast Studios, Dublin. MUSIC: Karl-Ola Kjellholm ('Private Detective'/'Agrumes', courtesy of epidemicsound.com). ADDITIONAL QUESTIONS: Eli Kaufer, Aaron Solomon, Alex Child, David Lau, Naanchawal. FORMAT: Pad 26 Limited/Labyrinth Games Ltd. EXECUTIVE PRODUCERS: David Bodycombe and Tom Scott. © Pad 26 Limited (https://www.pad26.com) / Labyrinth Games Ltd. 2024. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Advisor Revelations, David Lau talks with Fred Reish, Partner and Chair of the Fiduciary Services ERISA Team at Faegre Drinker Biddle & Reath, about the Department of Labor's new fiduciary rule. They discuss the regulation's origins, goals, and potential impact on the insurance industry. Fred also provides insight into how insurance professionals and financial advisors can navigate the evolving regulatory landscape of retirement planning. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

David Lau of DPL Financial Partners discusses the in's and out's of annuities, what to look for in a good annuity and how to utilize them properly in your retirement plan. Annuities are a hot button topic among investors, but my guest in this week's “Retirement Revealed” podcast, David Lau of DPL Financial Partners, sees the inherent problems with how annuities have been treated in the past. He shared his thoughts on how we can change the way annuities are purchased and perceived. The Controversy of Annuities Annuities often find themselves at the center of controversy in the financial world. On the one hand, Nobel Prize-winning economists and retirees alike appreciate the security and guaranteed income they provide. Yet, the mention of annuities can provoke strong negative reactions, mainly due to their high fees and the commissions they generate for salespeople. The irony is that while people might dislike annuities, they cherish their pensions and Social Security, both of which are essentially forms of annuities but without the hefty fees. High Commissions: The Root of the Problem? The high fees associated with annuities often stem from high commissions. This structure has led to situations where clients are sold products that might not be in their best interest, simply because they generate higher commissions for the advisor. For example, I had a client who was recommended to switch from one annuity to another. Upon review, the new annuity did not offer better guarantees, yet the advisor stood to earn a significant commission from the switch. This kind of practice erodes trust and tarnishes the reputation of annuities as a financial product. The Long Surrender Periods Another significant issue with many annuities is the long surrender periods. I recall a case where an annuity purchased in 2005 had a 17-year surrender period, with a penalty as high as 20% in the initial years. Such conditions can trap clients in unfavorable contracts, making it difficult for them to access their funds without substantial penalties. This lack of flexibility further contributes to the negative perception of annuities. Evaluating the Real Benefits Despite these drawbacks, annuities can be beneficial under the right circumstances. They offer tax deferral, guaranteed lifetime income, and downside protection, which can be valuable for certain individuals. However, it's crucial to evaluate whether these benefits align with your financial goals. For instance, if you're not seeking lifetime income or don't need the tax deferral benefits, an annuity might not be the best choice for you. The Importance of Tailored Financial Advice What stands out in the annuity debate is the need for personalized financial advice. The Retirement Income Style Awareness (RISA) profile, for example, helps determine the best investment strategies based on your individual goals and risk tolerance. This approach contrasts with the one-size-fits-all mentality that sometimes pervades the industry. Everyone's financial situation is unique, and the right financial product should fit their specific needs, not the other way around. The Role of Different Financial Advisors Understanding the type of financial advisor you're working with can also shed light on the recommendations you receive. Advisors affiliated with big brokerage firms, registered investment advisors, or insurance companies may have different biases and product offerings. For example, insurance company advisors might lean towards selling more insurance products, while registered investment advisors might not offer enough insurance options. Striking a balance and ensuring your advisor is independent and unbiased can help you receive more holistic and beneficial advice. Moving Towards Fee-Based Models One promising development is the shift towards fee-based models, which can eliminate the conflict of interest inherent in commission-based sales.

This week, David Lau talks with Amit Dogra, President and COO at tru Independence. They discuss tru Independence's unique approach to supporting breakaway advisors and its focus on service excellence. Amit highlights the company's expertise in compliance, technology, and advisor growth strategies. Amit and David also discuss the partnership between DPL and tru Independence and their innovative fee-based annuity solutions. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

In this episode of Advisor Revelations, DPL Founder and CEO David Lau talks with Micah Hauptman, Director of Investor Protection at the Consumer Federation of America, to discuss the Department of Labor's new rule on retirement security. They discuss the loopholes in retirement investment advice, the impact of commissions on consumer costs, and the need for financial professionals to act in their client's best interests. They also discuss the benefits of the new rule, including improved product quality, reduced costs, and competition. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

In this episode, DPL Founder and CEO David Lau talks with Michael Kitces, one of the most influential voices in the financial services industry. He passionately advocates for evolving, expanding, and institutionalizing what excellence in financial planning can be. His industry blog for financial advisors, Nerd's Eye View at Kitces.com, reaches more than 250,000 readers monthly. His podcast, Financial Advisor Success, is dedicated to advancing knowledge in financial planning. Michael is also Head of Planning Strategy at Buckingham Wealth Partners, and a Co-Founder of the XY Planning Network, AdvicePay, New Planner Recruiting, and fpPathfinder.Michael talks with David about trends and best practices in the financial advisor industry. They also discuss the challenges and opportunities around annuities, particularly in the RIA market. Michael and David emphasize the need for carriers to create products that can be used, not just sold, and support advisors' business models.Key Takeaways[02:37] - How Michael got started in financial services.[06:02] - Michael's involvement in the early years of variable annuities.[09:15] - Michael's blogging journey and the growth of his platforms.[12:39] - How Michael balances his time between his platforms and business partnerships.[18:09] - Building products that can be used, not just sold.[26:38] - The operational challenges RIAs face when dealing with annuities.[31:59] - The challenges of making operational paperwork more efficient.[34:06] - The need for scalability in the annuity industry.[38:41] - The challenges of duration for carriers.

David Lau is an accomplished leader and serves as a Senior Instructor with the FLETC Leadership Institute. He is a combat veteran and regularly speaks on resilience, wellness, anti-fragility, and post traumatic growth. On this edition of This Is DesignIntelligence, he talks about his life changing deployment to Afghanistan, the examples of leadership that continue to influence him, and how a traumatic event can actually be a springboard to a deeper, richer, more fulfilling life.

Dr. David Lau, Professor of Civil Engineering, Director, Ottawa-Carleton Multi-Hazard Research Centre (can skip to save time), Carleton University Learn more about your ad choices. Visit megaphone.fm/adchoices

Sheldon Farrell, David Lau - 12/19/23. Lau introduces Farrell as the new head football coach at St. Joseph Central.

Welcome to another insightful episode of the "A Day at DPL" segment of the Advisor Revelations podcast. In this edition, your host David Lau engages in a captivating conversation with the distinguished Founder of Tiburon Strategic Advisors, Chip Roame. Join them as they delve into the dynamic landscape of the financial industry, exploring trends, innovative products in the insurance space, and revolutionary pricing models for RIAs. Chip, with over 15 years of experience in strategic planning for financial institutions and advisors, brings a wealth of knowledge to the table. Discover the latest insights that will shape the future of the personal financial services industry. Join us on this journey of exploration and strategic insight into the financial world. For more information and resources, visit dplfp.com. Don't miss out on the future of financial services—tune in now! [00:00 - 01:30] Introduction: - Brief overview of Chip's extensive experience in developing strategies for the personal financial services industry. [01:30 - 10:15] Industry Trends: - Chip and David discuss current trends shaping the financial industry. - Insights into market research and strategic consulting for financial institutions and advisors. - Exploration of emerging opportunities and challenges in the industry. [10:15 - 18:45] Product Innovation in Insurance: - Dive into the realm of product innovation within the insurance space. - The role of technology and data in driving advancements. - Case studies and examples of successful innovations in the insurance sector. [18:45 - 28:00] Pricing Models for RIAs: - In-depth analysis of pricing models for Registered Investment Advisors (RIAs). - Strategies for adapting to market changes and client expectations. - The evolving landscape of fee structures and how it impacts the advisor-client relationship. [35:30 - 40:00] Closing Thoughts: - Recap of key takeaways from the conversation. - Invitation to explore Commission-Free annuities and insurance at dplfp.com. - Thank you message and information on upcoming episodes.

Michael Finke and David Lau explore the unique challenges faced by retirees and the critical need for financial security in their golden years. Michael's extensive research sheds light on the powerful behavioral benefits that annuities offer, emphasizing how these financial tools provide retirees with peace of mind by guaranteeing a steady income stream. The conversation also delves into practical best practices for financial advisors, highlighting the importance of customizing annuity solutions to align with clients' individual goals and risk profiles. This podcast is an invaluable resource for both advisors and retirees seeking to navigate the complexities of retirement planning. Listen to this podcast to gain a comprehensive understanding of the role annuities play in addressing retirees' psychological concerns, dispelling misconceptions about these financial instruments, and implementing effective strategies that blend annuities into a diversified retirement income plan. Michael Finke and David Lau provide actionable insights that can help financial advisors empower their clients to achieve financial security and peace of mind in retirement. Key Takeaways: [00:00 - 01:12] - Introduction to the podcast and guest, Michael Finke. [01:12 - 04:20] - Michael Finke's background and expertise in retirement planning and financial services. [04:20 - 07:15] - Discussing the psychological challenges retirees face and the need for financial security in retirement. [07:15 - 09:58] - The impact of behavioral biases on retirement planning and decision-making. [09:58 - 13:25] - The role of annuities in addressing retirees' psychological concerns. [13:25 - 17:40] - Discussing common misconceptions about annuities and their role in a retirement portfolio. [17:40 - 21:05] - Best practices for incorporating annuities into a retirement income strategy. [21:05 - 25:00] - Addressing the concern of liquidity when using annuities and the importance of a diversified approach. [25:00 - 28:45] - Michael Finke's insights on the evolving landscape of retirement planning and the role of financial advisors. [28:45 - 30:00] - Closing remarks and gratitude to the guest, Michael Finke.

Our guests today are David Lau and Wade Pfau. These two individuals have been collaborating for quite some time to solve retirement income puzzles for investors. David has been doing it with DPL, bridging the gap between low cost insurance and Fee Only wealth management firms. On the other hand, Wade has been approaching retirement solutions from the academic lens with rigorous research.    In today's episode, we discuss the potential blind spot in Fee-Only wealth management firms as it relates to insurance and annuities, whether insurance and investments should be comingled and the concept of the outsourced Chief Insurance Officer. We break down the cost of certain products and discuss the puzzles that David and Wade are trying to solve for retirees seeking stable income sources. We also discuss if Ken Fisher is a fiduciary, what products should exist that don't currently exist, recreating your grandparents pension with lower cost products and whether long term care insurance products are cost efficient for retirees.    Wade will receive the award as the most resilient guest of the Investors First Podcast, as he was kind enough to join us while on a trip in Japan and even experienced two earthquakes while recording the episode.    Our host today is Steve Curley, CFA. Please enjoy the episode.   Follow CFA Society of Orlando on Twitter at @CFAOrlandoFL   Social Media:   LinkedIn Post (and Facebook): New episode w/ David Lau, DPL & Dr. Wade Pfau, RISA, hosted by Steve Curley, CFA.    *Breaking down a commission free insurance product *The challenges of market volatility and homemade dividends in retirement *Credit risk associated w/ the implicit guarantee in insurance products *Is Ken Fisher a fiduciary?   Enjoy!   Twitter Post: New episode w/ David Lau & Dr. Wade Pfau, hosted by Steve Curley, CFA. We break down commission free insurance products for Fee-Only Advisors, the challenges of homemade dividends for retirees with total return approaches, whether Ken Fisher is a fiduciary and the concept of the Outsourced Chief Insurance Officer.   https://www.dplfp.com https://risaprofile.com https://retirementresearcher.com/ https://www.mcleanam.com/ https://www.theamericancollege.edu/our-people/faculty/wade-pfau

It's a relentless pest that has exploded in Hawaiʻi infestations in recent years. David Lau, District Manager of Western Exterminator, tells you how to combat bed bugs.Support the showFollow us on: YouTube Instagram Twitter Facebook TikTok

Episode 6 opens with the conclusion of my interview with delightful sisters JJ Elliott Hill and sister Natalie Handy who share the complex realities of caring for an aging loved one. Their podcast series "Confessions of a Reluctant Caregiver" is advertised as a judgement free zone where caregivers can be their most authentic selves, confessing their truths without shame or fear of rejection. David Lau, founder, and CEO of DPL Financial Partners, returns to discuss the benefits of MYGAs which is a Multi-Year Guaranteed Annuity product gaining popularity especially following recent bank collapses. More information about MYGAs can be found at dplfp.com. LaDonna Koebel, Executive Director of the Office of Senior Protection and Mediation in the Kentucky Office of the Attorney General, discusses types of scams that pop up following natural disasters. She also shares prevention tips like how seniors can protect themselves from more popular scams focused on grandchildren.

Comfort is the enemy of progress, especially in business. Adapting to new models and driving change is frightening, due to fear and risk of failure. Some industries are better than others at embracing disruption, but the insurance industry often needs to catch up. When systems are working well enough, not everyone sees value in taking a different approach. Change may be uneasy, but it also brings the possibility to improve, grow, and advance. This week, Jack talks with David Lau, Founder and Chief Executive Officer of DPL Financial Partners about disrupting the insurance industry. David has been an innovator for every business he has built, with extensive experience dating back to his role as the Chief Marketing Officer of E*Trade Bank, and its predecessor TeleBank. David has been at the forefront of developing products, platforms, and distribution systems that allow RIAs to implement commission-free annuities into their clients' portfolios. In this episode, David talks to Jack about how DPL drives change in the insurance industry by offering commission-free annuities. They discuss how annuities can enhance outcomes, which mistakes financial advisors should avoid with their clients, and where David sees the industry going. Key Takeaways [01:36] - An introduction to David. [05:53] - What does DPL Financial Partners do? [08:23] - The powerful combination of technology and human interaction. [10:38] - How annuities can enhance outcomes.  [14:39] - An exciting project David is working on. [19:28] - Why retirees seek stability. [23:27] - David's predictions for the future of the industry. [27:17] - How David spends his time outside of work. Quotes [04:48] - “It's easy to become beholden to your existing distribution, but anybody could see that the way the world was going and continues to go, is away from commissions and towards fees.” ~ David Lau [09:14] - “The ultimate value proposition we're delivering to an RIA is we're giving you the ability to grow. We're gonna help you bring in held-away assets. We're going to help you get more wallet share. We're gonna help you attract new customers.” ~ David Lau [14:28] - “We're solving problems, not selling products.” ~ David Lau Links David Lau | LinkedIn DPL Financial Partners Nationwide Advisory Solutions  Alex Murguia Wade Pfau E*Trade Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Part 1 of a two-part interview with delightful sisters JJ and Natalie who share the complex realities of role reversal with their mom from their podcast series "Confessions of a Reluctant Caregiver." Given recent bad news of a bank collapse David Lau from dpl financial partners discusses alternative strategies for retirement planning. Tech writer Vanessa Hutchinson shares how to embrace technology. E5 concludes with names of several famous people who were "failures".

This is the Weight and Healthcare newsletter! If you like what you are reading, please consider subscribing and/or sharing!In part 1 we talked about a request that has been submitted for the World Health Organization (WHO) to add diet drugs to their list of “essential medicines.” We discussed who was making this request and the justification that they were using. Today we're going to take a deeper dive into the research that they used to try to support this request, and in part three will look at the research around harm and “efficacy,” as well as “cost effectiveness.” (I was originally going to write this in two parts, but I realized that it was just ridiculously long, and there is time before the WHO meets about this, so I've decided to break it into three parts.)Just a reminder that I don't hyperlink to studies or articles that come from a place of weight stigma, though I do provide enough information that someone could google them.In their ”Summary statement of the proposal for inclusion” they say“The use of GLP-1 RAs in the treatment of ob*sity has been well studied and meta-analyses of various GLP-1 RAs have demonstrated that this class of medications can lead to clinically significant weight loss. Compared to control groups, GLP-1 RAs were found to lead to more significant weight loss with a mean difference of approximately 7.1 kg as well as an improvement in glycemic control, with low concern for hypoglycemia[3].”The single paper they cite to back this up (Iqbal et al. Effect of glucagon-like peptide-1 receptor agonists on body weight in adults with ob*sity without diabetes mellitus-a systematic review and meta-analysis of randomized control trials, 2022) looked at weight loss on these drugs among “ob*se” adults without type 2 diabetes (so hypoglycemia would have been unlikely anyway.) It included 12 trials with a total of 11,459 participants. 80% of the participants were white, 10% were Black or African Americans and 5% were Asians. It is concerning that they are making a global recommendation based on a study population that is overwhelmingly white. There is also the issue of follow-up. Some of the trials were as short as 14 weeks and the longest trial included was only 3 years. The average weight loss was 15.6 lbs more in the group taking the drugs than in control, but some subjects on the drugs lost as little as 5.5 lbs. Those on the drugs also experienced vomiting, nausea, dyspepsia (indigestion,) diarrhea, constipation and abdominal pain as common side effects. There is no way to know how much of this (short-term) weight loss is due to experiencing these common side effects. These drugs also have significant (possibly life-threatening) side effects and the short-term follow-up included here is not likely long enough to capture those. Also, remember that the recommendation is for people to take these drugs for the rest of their lives (since, if they don't, their weight shoots right back up and they lose cardiometabolic benefits,) and they are making that recommendation (globally) on just 14 weeks to 3 years of data.The authors of this study cite no conflicts of interest. Per LinkedIn, someone with the same name as the lead author is a product specialist at Novo Nordisk but I imagine that must be a coincidence or surely it would have been listed as a COI. The article was published in “Ob*sity Reviews” which is an official journal of the “World Ob*sity Federation” (WOF). The WOF took over $5.3 Million dollars from Novo Nordisk (whose weight loss drugs are covered by this recommendation) over three years. Their “members” include the Ob*sity Action Coalition (whose chief funder is Novo Nordisk.) Their current President has taken money to speak on behalf of Novo Nordisk and their past president is John Wilding who was implicated in the recent Novo Nordisk scandal for not disclosing his financial ties to Novo Nordisk while praising their weight loss drugs in the media.There are more issues with this meta-analysis but I'll just stop there and say that I don't think there is any way that 14 weeks to 3 years of data on 11,459 people who are mostly white justifies a global recommendation of these drugs as “essential.”Under “Treatment details (requirements for diagnosis, treatment and monitoring)”Here again they say “Ob*sity, a preventable disease” but offer no citation or support for this narrative that has been largely architected and marketed by the weight loss industry. They continue:“When used in supplement to life style modifications, including a decrease in caloric intake and an increase in exercise, liraglutide is indicated for adults with ob*sity (BMI >30.00) or overweight (BMI >27.00) with a weight-related comorbidity”I just want to note here that this indication (which wasn't created by those who wrote the recommendation to the WHO) predicates risk on body size and simple correlation. These drugs have very unpleasant common side effects and other, possibly life-threatening, side effects. So the fact that those who are “overw*ight” have to have at least one condition that is correlated with being higher weight (with no proof of causation, by the way) but those who are “ob*se” are recommended to risk these side effects based on size alone, with no required symptomology, is pure weight stigma.Next is a table “Excerpts from national and international guidelines on the pharmacological treatment of ob*sity”It is a list of organizations with quotes pulled from various publications that are intended to show support for the drugs. Almost every one of the organizations has financial ties to Novo Nordisk and/or Eli Lilly which doesn't prove that there is anything shady going on, but would be worth disclosing given their use to back up the request that these companies' drugs be considered “essential.” Let's take a deeper look:The American College of Cardiology (ACC)The recommendation that is cited is for the use of these drugs for Type 2 diabetes (T2D), and they mention weight loss as an ancillary effect. This will be a pattern in these recommendations and it matters because the risk/benefit analysis is different for people who have an actual health condition (Type 2 diabetes) rather than those who are simply living in a higher-weight body. Also, one might be misled by the title of the section to believe that these recommendations are specifically for the use of the drugs in the treatment of “ob*sity” which is not the case.The ACC has a partnership with Novo NordiskThey have also partnered with Eli LillySouth Asian Task ForceAgain, this is a recommendation for these medications for the treatment of T2D, not for weight loss.The paper's lead author, Sanjay Kalra has received honoraria for lectures and advisory boards from Eli Lilly and Novo Nordisk.International Diabetes FederationThis, again, is a recommendation of these drugs for the treatment of T2D.Novo Nordisk is a “platinum partner” and Eli Lilly is a “gold partner” (the website isn't clear about how much money they donate, and an email I sent has gone unanswered so far.)National Institute for Health and Care Excellence (NICE)This one actually is a recommendation for these drugs for weight loss, however, NICE was implicated in the recent scandal which found that “Novo Nordisk had paid millions to prominent ob*sity “charities,” NHS trusts, universities and other bodies as well healthcare professionals who publicly praised the drug (typically without disclosure of their funding) and who advised NICE (The National Institute for Health and Care Excellence) on their reviewing of Novo's weight loss drug to decide whether or not it should be made available.”Position statement from the Brazilian Diabetes Society (SBD), the Brazilian Cardiology Society (SBC) and the Brazilian Endocrinology and Metabolism Society (SBEM)This is a statement of recommendations for prevention of cardiovascular disease in patients with diabetes.Here is a selection of the authors “competing interests” (I've only included Novo Nordisk and Eli Lilly, the two main companies trying to sell this class of drugs for weight loss.) ROM has received speaker honorarium from: Novo Nordisk and Eli Lilly.CMV has received honoraria as speaker from Novo Nordisk.SV over the last 5 years, has received honoraria for clinical research from Novo Nordisk; Advisory Board to Novo Nordisk; has received honoraria as speaker from Novo NordiskFT has received honoraria for medical lectures from: Lilly, Novo NordiskRDS over the last 3 years has received honoraria for consulting, research and speaker activities from Eli LillyThe Brazilian Diabetes Society (SBD) has collaborated with Novo NordiskThe Brazilian Cardiology Society (SBC) holds an annual congress that is sponsored by Novo Nordisk and Eli Lilly. The Brazilian Endocrinology and Metabolism Society (SBEM) has partnered with Novo Nordisk on multiple occasions.Korean Society for the Study of Ob*sity Guidelines for the Management of Ob*sity in KoreaThis is not a study but guidelines put out by an organization that appears to represent those with a profit interest in “ob*sity treatment” (similar to the Ob*sity Action Coalition.) Their “recommendation” includes every drug that is approved for long-term use, fails to cite any evidence of efficacy (short or long-term) and they mention that “Not all ob*se people respond to ob*sity drugs, and there are a significant number of non-responders.”Novo Nordisk is a platinum sponsor for their conference. They are also a member of the World Ob*sity Federation which took over $5M from Novo Nordisk.European Medical Association[sic]Here they are citing a press release stating that the European Medicines Association (EMA) (the recommendation authors appear to have been mistaken on the name) has “recommended granting a marketing authorisation for Saxenda (liraglutide) for weight management in overweight or ob*se adults.” Per the EMA's website they are “a scientific body with the expertise required to assess the benefits and risks of medicines. However, under EU law it has no authority to actually permit marketing in the different EU countries. The role of EMA is to make a recommendation to the European Commission which then takes a final legally binding decision on whether the medicine can be marketed in the EU.”I could not find information about the panel that made the decision, or any conflicts of interest they may have had.Australia: NPS Medicine WiseThe citation they offer here is not to Australia: NPS Medicine Wise, but to a paper by a single author - Joseph Proietto who “has been on the medical advisory boards for liraglutide, semaglutide 2.4 mg and bupropion/naltrexone. He has been involved in educational sessions for ob*sity management for both Novo Nordisk (liraglutide, semaglutide) and iNova (phentermine and bupropion/ naltrexone) for which he has received honoraria.” In other disclosures it mentions that he was, in fact, chair of the medical advisory board for Saxenda (Novo Nordisk's brand name for liraglutide, the drug being recommended here.)In the paper he recommends all of the above weight loss drugs in general, but does not recommend the GLP-1 class of drugs over any of the others. The study he uses to recommend these drugs only follows participants for 68 weeks.Singapore HPB-MOH Clinical Practice GuidelinesIn the section on liraglutide they offer information for 56 weeks of follow up and conclude “The long-term safety of high dose liraglutide therapy is, however, unclear.”Canadian Medical Association Journal- Ob*sity in adults: a clinical practice guidelineFunding for these guidelines was provided by Ob*sity Canada, an organization that lobbies for the priorities of those who profit from “ob*sity treatment.” Specifically, the funds came from “Ob*sity Canada's Fund for Ob*sity Collaboration and Unified Strategies (FOCUS) initiative” Novo Nordisk is a supporter of this fund, as well as a sponsor for their annual summit.Here are excerpts from the 1,293 word competing interests statement for the authors (I've only included Novo Nordisk and Eli Lilly, the two main companies trying to sell this class of drugs for weight loss.) Sean Wharton reports receiving honoraria and travel expenses and has participated in academic advisory boards for Novo Nordisk, Eli Lilly. Sean Wharton is also the medical director of a medical clinic specializing in weight management and diabetes. David Lau reports receiving grants and research support from Novo Nordisk, speaker bureau fees from Eli Lilly and Novo Nordisk; and consulting fees from Eli Lilly and Novo Nordisk. Michael Vallis is a member of advisory boards for Novo Nordisk. Michael Vallis has also received consulting fees from Novo Nordisk and speaking fees from Novo Nordisk. Arya Sharma reports receiving speaker's bureau and consulting fees from Novo Nordisk. Laurent Biertho is a member of advisory boards for Novo Nordisk. Denise Campbell-Scherer reports receiving research funding from Novo Nordisk. She also reports receiving an unrestricted education grant from Ob*sity Canada, funded by Novo Nordisk Global. Jennifer Brown reports receiving nonfinancial support from Novo Nordisk, and personal fees Yoni Freedhoff is the co-owner of the Bariatric Medical Institute and Constant Health, which provide weight management services; Constant Health has received a grant from Novo Nordisk. Yoni Freedhoff also regularly speaks on topics related to ob*sity and receives honoraria and travel costs and expenses for same. Michel Gagner reports receiving consulting fees from Novo Nordisk. Marie-France Langlois reports receiving personal fees from Novo Nordisk, Eli Lilly. David Macklin reports receiving personal fees from Novo Nordisk. Priya Manjoo reports receiving personal fees from Novo Nordisk. Marie-Philippe Morin reports receiving speaker honoraria from Novo Nordisk, Eli Lilly and research subvention from Novo Nordisk, and consultation honoraria from Novo Nordisk, Eli Lilly. Sue Pedersen reports receiving personal fees from Novo Nordisk, Eli Lilly and grants from Eli Lilly, and nonfinancial support from Novo Nordisk and Eli Lilly.Megha Poddar reports receiving honoraria for continuing medical education (CME) from Novo Nordisk, Eli Lilly, education grants from Novo Nordisk, fees for mentorship from Novo Nordisk; fees for membership of advisory boards from Novo Nordisk. Paul Poirier reports receiving fees for consulting and continuing medical education from Eli Lilly, Novo Nordisk. Judy Shiau reports receiving personal fees from Novo Nordisk. Diana Sherifali reports receiving a grant from Ob*sity Canada to support the literature review process, during the conduct of the study. Shahebina Walji reports receiving consulting or advisory board fees from Novo Nordisk and speaker's bureau fees from Novo Nordisk.All of their recommendations around liraglutide are level 2a (Evidence from at least 1 controlled study without randomization) and Grade B ( Directly based on level 2 evidence or extrapolated recommendation from category 1 evidence) they suggest that these recommendations should use the terms “may” or “can” (as opposed to “should.”) The studies that they cite offer, at most, only 56 weeks of follow-up.Information supporting the public health relevanceIn this section they claim that “not only is the prevalence of ob*sity increasing, but the number of global deaths attributed to BMI has substantially increased from 1990 to 2017 (Figure 1) [23]. The global burden of disease of ob*sity study also found that though the age-standardized rate of high BMI related disability adjusted life years (DALY) increased by 12.7% for females and 26.8% for males, the actual global number of high BMI DALYs has doubled, despite sex”The study that they cite to support this (The global burden of disease attributable to high body mass index in 195 countries and territories, 1990-2017: An analysis of the Global Burden of Disease Study, Dai et al., 2020) calculates these numbers based on the assumption that the health problems higher-weight people have are due to their weight (even though people of all sizes experience them). They also fail to control for the health impacts of weight stigma, weight cycling, or healthcare inequalities, despite the research that shows that they are confounding variables. The assumption that higher-weight people's health issues are caused by their weight coupled with the failure to account for (or even discuss) confounding variables suggests to me either near-complete incompetence of the study authors around basic research methods, or a desire for specific conclusions.The study is at least honest that they don't know if weight loss would change this, stating “Successful population-wide initiatives targeting high BMI may mitigate the burden of a wide range of diseases” [emphasis mine].Thus, this doesn't actually support the recommendation to the WHO. Without proof that these medications would reduce disease or increase life years long-term, there is no reason to consider them “essential,” and no such evidence exists.Next they claim that “Ob*sity also plays a role in health care related costs; for patients and families, total healthcare costs for patients with ob*sity were higher than that of patients who are overweight.”First of all, this begins to wade into the idea that higher-weight people should be eradicated because they are “too expensive,” which is heading down a bad road when it comes to ethics. Further, the study they use to support this is based on 97 Dutch people who filled out a survey. The study included costs such as “expenditures related to the respondent's weight, such as adapted clothing, gym subscription, diet books, parking permit, food, etc.” First of all, thin people also have gym subscriptions and parking permits, but, moreover, telling fat people that they should buy diet books and pay for various weight loss foods and methods (despite the near-total failure rate,) then blaming them for the cost of following those dubious recommendations (as well as the additional costs of living in a world where structural weight stigma creates a lack of accommodation in clothing etc.) as a justification for more expensive, more dangerous “interventions” is a long way from being ethical science and is a particularly craven marketing tactic. I'm just going to stop there, but to say that I've seen elementary school science fair projects with more rigorous methodology and I would be beyond embarrassed to cite this for any reason ever, other than as an example of the piss-poor state of weight science.They finish up the section with “Given the global burden of ob*sity and the goal of reducing preventable disease related deaths, it is evident that affordable and available pharmacotherapy for ob*sity is needed on a global level.”Let's rephrase this to reflect the evidence they provided: “Based on a survey taken by 97 people, a study that failed to control for any confounding variables and made wild assumptions about causality based on simple correlation, and their own research's acknowledgment that changing body size may not change health outcomes, it is evident that affordable and available pharmacotherapy for ob*sity is needed on a global level.”Which is to say, what they provided here does not come close to justifying their request.In part three we'll wrap this up with a look at the evidence they use to discuss harm, effectiveness, and cost-effectiveness.Did you find this post helpful? You can subscribe for free to get future posts delivered direct to your inbox, or choose a paid subscription to support the newsletter and get special benefits! Click the Subscribe button below for details:Liked this piece? Share this piece:More research and resources:https://haeshealthsheets.com/resources/*Note on language: I use “fat” as a neutral descriptor as used by the fat activist community, I use “ob*se” and “overw*ight” to acknowledge that these are terms that were created to medicalize and pathologize fat bodies, with roots in racism and specifically anti-Blackness. Please read Sabrina Strings' Fearing the Black Body – the Racial Origins of Fat Phobia and Da'Shaun Harrison's Belly of the Beast: The Politics of Anti-Fatness as Anti-Blackness for more on this. Get full access to Weight and Healthcare at weightandhealthcare.substack.com/subscribe

In this episode of Advisor Revelations, Christine Benz from Morningstar joins David Lau for the 'A Day at DPL' segment to discuss creating intelligent retirement portfolios, consumer retirement readiness and the latest findings in her latest white paper.

David Lau, Founder and CEO of DPL Financial Partners, returns to share his insights on a new year of investment opportunities for the day-to-day to investor or retirement planning. Founder & CEO Lamont Collins shares the success of Roots 101 African American History Museum which has been named one of Architectural Digest's 2020 list of the top 20 museums worldwide, one of USA Today's Top 10 Best New attractions of 2021, and was a recipient of the 2021 Ford Foundation Grant.

The use of annuities by RIAs continues to grow. David Lau, one of the leading pioneers in the space, joins us today. David is the founder and CEO of DPL Financial Partners. We talk about the opportunities and challenges of "poking the bear" - and creating better retirement plans for clients in the process. Links mentioned in the show:

David and Jo Lau discuss the five phases of customer experience with their 2022 Kia Niro EV  (Encounter, Decision, Purchase, Initial use, and Longitudinal use). Vehicle purchases are often a negotiation of two or more people's preferences and needs in domestic situations, and we are delighted to have talked with the Lau family about their customer journey. The human-machine interfaces (HMI) in the cockpit are the simple and effective designs we're used to seeing from Hyundai-Kia vehicles, and Tim was most impressed with the EV charging indicators on top of the dashboard that face through the windshield: three aqua blue lights convey charge status at a glance, without anyone having to pull out a smart phone. The driving features a tight suspension with enough torque to avoid trouble on the highways. David and Jo share their cost per mile with us as well, which is pleasantly low at current electric rates in their town. Range anxiety is a very real thing but for shorter distances, a BEV is suiting them fine. The Laus are quite pleased with all customer experience phases except Purchase. Listen for an amusingly exasperating story about a tired old sales technique that was attempted on them, but they successfully resisted! https://www.kia.com/us/en/niro-ev Our Mazda Miata car club website is here if you would like to join us! http://www.realitydistortionfield.com/mimiata/  

Meet Diane Gilman who is a pro-age advocate, fashion designer, and creator of DG2 jeans for women. Her career ignited when Janis Joplin and Jimi Hendrix began wearing her customized jeans. She had her greatest success selling 19 million pairs of DG2 jeans at age 60 on QVC/HSN. Enjoy Part One of the origin story of David Lau, Founder and CEO of DPL Financial Partners. His work has received coverage in the Wall Street Journal, New York Times and other financial media. David shares the beginning of his stellar career at E Trade Bank and Telebank which was the nation's first internet bank. Then discover how someone who began selling watches in 1887 and hired a repair man to fix them in 1889 launched an iconic consumer shopping experience that lasted 132 years.

In this episode, we talk to David Lau, a RISA® Advisory Board member. David is the Founder and CEO of DPL Financial Partners. DPL helps advisors and their clients find contractual income solutions on a fee-only basis. Join us as we discuss with David how consumers are benefiting from new innovations in the financial services industry. DPL is a firm ahead of its time and you'll definitely want to hear as a consumer what's in store and as an advisor how you can bring your clients the latest innovations in contractual income solutions. Links: Retirement Income Master Class for Advisors Registration Page: https://risaprofile.com/masterclass   This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Hear from Steve Leivent, SS&C SVP & Co-General Manager, and David Lau, DPL Founder and CEO, as they discuss the Advent Insurance Marketplace, how technology has transformed the client-advisor relationship, and how Black Diamond plans to elevate the experience to a new level in the future for advisors.

2023 AARP Purpose Prize Winner Reverend Dr. Jamesetta Ferguson, President & CEO of MOLO Village, CDC, reflects on the mission of her organization located in an economically depressed area. David Lau, President & CEO of DPL Financial Partners, discusses RISA as one of his firm's popular retirement tools. Episode ends with an incredible story of international success while facing financial ruin after the Civil War.

In this episode, learn about a new and innovative asset allocation option for RIAs - the Avantis Barclays Volatility Control Index, available through the Security Benefit ClearLine Fixed Index Annuity. DPL's David Lau interviews the designer of this accumulation option, Eduardo Repetto of Avantis Investors and President of Security Benefit, Doug Wolff.Learn more about the index by downloading this White Paper here:https://bridge.dplfp.com/l/514531/2022-10-10/8rzgjcNeither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer of the fixed index annuity (the “Product”) and Barclays has no responsibilities, obligations or duties to purchasers of the Product. The Avantis Barclays Volatility Control Index (the “Index”), including as applicable any component indices that form part of the Index, is a trademark owned by Barclays. Barclays' only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the “Index Sponsor”) without regard to the Issuer or the Product or purchasers of the Product. The Product is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the suitability of the Product or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, purchasers or to other third parties in respect of the use or accuracy of the Index or any data included therein. The Avantis U.S. Quality Large Cap Index and the proprietary data related thereto (the “Avantis Index”) are the property of American Century Investment Management, Inc. (“American Century”) and are used under license by Barclays Bank PLC. Neither American Century nor any of its affiliates makes any representation, warranty or assurance, express or implied regarding the Avantis Index, the advisability of purchasing securities generally or the Product particularly or the ability of the Avantis Index to track general market performance or provide positive investment returns. Neither American Century nor its affiliates are under any obligation or liability in connection with the Product. Inclusion of a security within the Avantis Index is not a recommendation by American Century or its affiliates to buy, sell, or hold such security, nor is it considered to be investment advice. American Century does not guarantee the accuracy and/or the completeness of the Avantis Index and American Century is not and shall not be subject to any damages or liability, direct or indirect, consequential or punitive for any errors, omissions, or delays in or related to the Index. This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.

Numerous surveys indicate seniors fear running out of money in retirement. David Lau, Founder and CEO of DPL Financial Partners, shares their scientific researched Guaranteed Income Analysis (GIA) tool designed to allay these concerns. Debbie Burdof shares insights into the challenging and practical sides of providing and coordinating care giving for her aging mother. Including the importance of "giving yourself and family grace" during this transitional phase.

This new segment, A Day at DPL, now part of the Advisor Revelations podcast, is a thought leadership and education-based interview with DPL's founder and CEO, David Lau, and a special guest. You'll hear from industry leaders, academics, CEO's, and other finance professionals focused on helping RIAs get to the next level in their business.In this interview, Founder and President of MarketCounsel, Brian Hamburger, and DPL's Founder and CEO, David Lau, discuss best-practices during the height of the pandemic and post-pandemic, ways to remain a leader in the industry, and current trends for Breakaway firms.

Los rabinos Haredim, Yitzhak Yosef y David Lau fueron elegidos para períodos de 10 años como los principales rabinos de Israel: Yosef para los sefardíes y Lau para los ashkenazim. Cada uno logró 68 de los 147 votos sufragados en el Hotel Leonardo de Jerusalén del quórum de 150 votantes aptos: 80 rabinos que representan a consejos religiosos y 70 funcionarios laicos del gobierno y las autoridades locales. Los principales rabinos controlan el liderazgo de los tribunales rabínicos de Israel, que tienen poder sobre el matrimonio, el divorcio y la adopción. El rabinato principal también supervisa la comida kosher, la conversión al judaísmo y otros aspectos de la vida judía israelí y desempeña un papel en la inmigración. La sociedad de Israel sigue siendo en su mayoría secular en su perspectiva judía, pero sigue dominada, para muchos injustamente por el rabinato principal.

David Lau, founder and CEO of DPL Financial Partners, explains why RIAs should consider commission-free annuities.

Our guest on the podcast today is David Lau, founder and CEO of DPL Financial Partners, which develops and distributes low-cost, commission-free insurance and annuity products. In addition, DPL Financial Partners provides tools and educational resources for registered investment advisors and individual investors. Prior to founding DPL, David was chief operating officer of Jefferson National and before that he was principal and co-founder of the Oysterhouse Group, a management consulting firm. He also served as chief marketing officer of E-Trade Bank and its predecessor TeleBank. David received his bachelor's degree in economics from the College of William and Mary. BackgroundBioDPL Financial PartnersAnnuitiesAnnuities—Product OverviewYour Guide to Annuities “Kerry Pechter: How Annuities Fit Into the Retirement Income Puzzle,” The Long View podcast, morningstar.com, May 4, 2021.“DPL Financial RIA Survey Shows Continued Uptick in Annuity Usage,” insurancenewsnet.com, Sept. 30, 2021.“Another Reason Advisors Are Warming to Annuities,” by Bernice Napach, thinkadvisor.com, Sept. 30, 2021.“Talk Your Book: Rethinking the 4% Rule,” Podcast With Wade Pfau and David Lau, dplfp.com, May 2, 2022.“DPL Financial Partners Launches Commission-Free MYGA Marketplace for RIAs,” businesswire.com, Dec. 2, 2021.MYGA Marketplace“A Day at DPL With Wade Pfau | How to Use a Fixed Index Annuity,” by Wade Pfau, dplfp.com, Feb. 3, 2020.“Too Much ‘Hocus Pocus,' ” by Kerry Pechter, retirementincomejournal.com, June 4, 2021.Taxes and Asset Location“The Tax-Efficient Frontier: Improving the Efficient Frontier With the Power of Tax Deferral,” by David Lau, dplfp.com, Sept. 8, 2021.“David Lau on Ways to Enhance the Tax Efficient Frontier at NAPFA Session,” by John Sullivan, thinkadvisor.com, May 19, 2011.Other“Long-Term Care a Big Question in Pandemic,” by Emile Hellez, investmentnews.com, July 2, 2020.

On today's Talk Your Book we spoke with David Lau and Wade Pfau about spending down your assets in retirement and why it's one of the hardest concepts in financial planning.   Find complete shownotes on our blogs...‍ Ben Carlson's A Wealth of Common Sense‍ Michael Batnick's The Irrelevant Investor‍ Like us on Facebook‍ And feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation.‍  

This episode marks the one-year anniversary of the WealthTech on Deck Podcast. Taking a look back at the last 50 episodes, Matt Nollman, VP of Marketing at LifeYield takes the lead and interviews regular host, EVP & Chief Growth Officer at LifeYield, Jack Sharry. Jack is a leading industry voice on wealthtech, UMH, and the future of financial advice. His mission is to help investors, financial advisors, and firms achieve improved financial outcomes.  Matt leads LifeYield's marketing team, strategy and digital experience, as well as producing the WealthTech on Deck podcast. Jack and Matt talk about some of the best themes, most popular episodes, and lessons learned over the last year. Key Takeaways [01:46] - Jack's key takeaways from hosting WealthTech on Deck over the past year. [02:56] - Some of the big themes that stood out across the last 50 episodes. [04:35] - A list of episodes on growth and creating disruptions in the retirement industry. [06:23] - How Morgan Stanley's strategy is unique in the marketplace. [08:35] - Technology as a critical component of portfolio integration. [10:58] - What the future holds for Unified Managed Households (UHM). [14:02] - The history of the wealth management industry. [19:49] - The impact Jasmine Jirele, Heather Kelly, and David Lau had on the financial services industry. [24:08] - How the team at Lifeyield is integral to the wealth management space. [28:10] - Future guests you won't want to miss. [29:38] - Things Jack enjoys outside of work. Quotes [03:02] - "The biggest theme and the most listened to episodes are all around the strategy, design, and execution of what I'm now calling comprehensive advice platforms." - Jack Sharry [12:00] - “Around retirement income, you have to think about RMDs, social security, Roth conversion, taxes, and risk. We've got growing inflation, and interest rates are rising. How are you going to handle all of that? Doing a lot of work on this topic across the industry is how we consider all the variables, all the things we have to think about to maximize retirement income." - Jack Sharry [25:50] - "Essentially, what we're really doing is we see a lot and we can see what the trends are, what the challenges are, and what the issues are. And what we're involved with is creating a new category. As we're doing that, we want to share what we're learning because the reason a lot of people listen to this podcast is to find out what other people are doing." - Jack Sharry Links  Matt Nollman on LinkedIn Edmund F. Murphy II Empower Retirement Personal Capital Fidelity Investments Aaron Schumm Vestwell Yaqub Ahmed Harshendu Bindal Franklin Templeton James Gorman Morgan Stanley Solium Capital (now Shareworks by Morgan Stanley) Eaton Vance Rose Palazzo Eric Lordi Benjamin Huneke BlackRock Aladdin E-TRADE Financial Nicole Casperson Michael Liersch Wells Fargo Jessica Liberi eMoney Advisor Len Reinhart John Connors John Thiel Merrill Lynch Jasmine Jirele Allianz Life Heather Kelly David Lau  DPL Financial Partners Mark Hoffman Martin Cowley Harry Bartle Steve Zuschin Jeff Quigley Alyson Dorosky Mary Beth Franklin InvestmentNews Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Retirement related worries cover many different aspects of life after paychecks end. Preserving wealth becomes a major concern given Americans age 55+ will spend one third of their life in retirement. Individuals supplementing their retirement with Social Security and other income streams continue to view annuities as a potentially attractive option. However, the fear factor sometimes prevents those over age 55 from risking any type of investment and those who do fall into four categories. In Part One of a Two Part series David Lau, founder and CEO of DPL Financial Partners, discusses two of the four typical investor personalities: (1) The Risk Adverse (not one penny in any type of investments) and (2) The Follower (whatever is easiest or most comfortable) in using annuities to enhance retirement plans. Seasoned writer Lucy M. Pritchett shares short trip ideas for seniors. Episode 6 concludes with the story of a determined young man who despite numerous failures built a recognized brand for shoppers.

La priorità, in questo momento difficile, è accogliere chi fugge dalla guerra. “Non deve esserci una situazione per cui chi fugge dal fuoco e dall'ostilità non riesca a trovare un posto dove andare, un porto sicuro”: a dichiararlo all'emittente pubblica Kan il rabbino capo ashkenazita d'Israele rav David Lau, evidenziando l'importanza di aprire le porte del paese a chi ha bisogno. 

The Quiggin' Out MMA Podcast is back with EPISODE 50 and our season 2 finale. Our guests? None other than the minds of a BATTLEBOTS team, TEAM MALICE featuring Bunny, David Lau and David Rush! This one was a bucket list. Ever since I was a kid, I had wanted to build my own Battlebot and now getting the chance to talk to one of the teams that actually does it? Mind-Blowing. This episode is packed with comparisons between MMA and Battlebots (yes we did find some), life advice, experience and overall just a damn good time with these three. It was really amazing getting to learn about the ins and outs of the show and process, the costs associated with it, and how just like in MMA, there are many smaller organizations out there with the chance to compete on the biggest stage of them all. Oh and I learned not to mention Jackpot. Point taken. Bunny also gets to share her side of the story of the infamous "Suck It" clip. It's a great story. Enjoy! Don't forget to head over to EpicJitsTees.com and pick up a Quiggin' Out MMA Podcast shirt or any of the amazing designs available. Also, a special shout-out to La Barba Cubano for supplying some amazing beard oil, @Tim_MakesKnives on Instagram, Fat Boy Jiu-Jitsu and Bertsos Bakeshop for making some delicious treats.

I interviewed David Lau an expert in the mortgage world..... 

Feature von Ina Strelow. Die Abschlussinszenierung. Der Höhepunkt des letzten Studienjahres an der Schauspielschule. In diesem Jahr übernimmt ein bekannter Regisseur die Inszenierung. Die Freude ist groß. Die Aufregung auch. Das Thema ist „Haut“. Von Berührung über Verletzung bis zur eigenen Haut, die man retten will oder auch zu Markte tragen muss, von der Maske übers Nacktsein bis zum Verbrechen. Und natürlich geht es auch immer darum: in eine fremde Haut schlüpfen. Der Regisseur will, dass die Schauspielschüler über Grenzen gehen. Er will sehen, hören und spüren, was seinen jungen Spielern unter die Haut geht. Mit: Nils-Andre Brünnig, Roman Mucha, Amelle Schwerk, Elisabeth Frank, Mauricio Hölzemann, David Lau, Eduard Lind, Süheyla Ünlü und Leo Zirner. Technische Realisation: Markus Freund und Elke Steinort. Regie: Heide Schwochow. Redaktion: Joachim Dicks. Produktion: NDR & HMTMH 2017. Verfügbar bis 26.01.2023. https://ndr.de/radiokunst

In today's episode, Jack talks with David Lau, Founder and CEO of DPL Financial Partners. David has been a pioneer in creating products, platforms, and distribution systems that help RIAs implement appropriate annuity products into household portfolios. David's wealth of experience goes all the way back to his first job as CMO at Telebank, the first internet bank. David talks with Jack about the impact of telemarketing on RIAs, fee-based vs. commission-based structures, and the integration of low-cost insurance and annuity products in portfolios. Key Takeaways [01:40] - How David has been a pioneer in disrupting distribution costs. [05:27] - How the cost structure of commission-free annuities works. [08:32] - How DPL drove significant change in the industry. [10:40] - Why you must adapt your strategy to the particulars of the market. [14:16] - How DPL took downturns and translated them into advances in the platform. [16:12] - Why “concierge service” is great for the RIAs. [19:52] - How annuities impact the four major categories of insurance. [23:22] - David's insights on a fee-based and commission-based structure. [27:19] - How risk mitigation works within portfolios. Quotes [03:06] - “The question around annuities was, how do you deliver value? You look at the way annuities are sold and they're so expensive. You're paying massive commissions and you have very high internal distribution costs in terms of wholesaling. The model for distributing annuities is archaic.” - David Lau [12:12] - “RIAs are never going to have some wholesaler from some insurance company coming into their office every month. There's just no point in it. So I very quickly said we need to change this model to kind of a marketing-driven model. We'll drive awareness through marketing, we'll centralize wholesaling. We'll have a centralized wholesaling force that basically deals with RIAs through the telephone. It made sense for us, but it also made sense for the market” - David Lau [21:17] - “DPL was designed to be a fee-based, no-load, commission-free insurance marketplace. For the RIA, the notion is now that you're more than just an asset manager, you're a wealth manager, and you're addressing this broad spectrum of your client's financial life. It's hard to do that if you can't use insurance.” - David Lau Links  David Lau on LinkedIn DPL Financial Partners Telebank E-trade Charles Schwab Salesforce CNO Financial Group (formerly Conseco, Inc.) Nationwide Advisory Solutions (formerly Jefferson National Life Insurance Company) BlackRock Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

In today's episode of the Retirement Lifestyle Show, Erik Olson and Adrian Nicholson talk to David Lau, the CEO and Founder of DPL Financial Partners, an RIA insurance network that brings fee-based insurance solutions from a variety of the nation's top carriers to RIA practices. They explain what annuities are, the emergence of commission-free financial products, and how interest rates affect annuities. David Lau is widely recognized as an innovator and disruptor in the financial services industry. Most recently, he is Founder and CEO of DPL Financial Partners', a privately held financial services firm that specializes in development and distribution of commission-free insurance and annuities for Registered Investment Advisors (RIAs) and individuals. David is a sought-after speaker, commentator, and adviser to financial journalists, insurance carriers, RIA firms, fintech providers and others in the financial services and fintech industries. His work has received coverage in The Wall Street Journal, The New York Times, Barron's, CNBC, Wealth Management, InvestmentNews, and other financial media where he provides insights on industry products, players, trends, and best practices. Earlier in his career, David served as Chief Marketing Officer at E*Trade Bank, and its predecessor Telebank, which was the nation's first internet bank, and served as Chief Operational Officer for Jefferson National, where he led marketing, sales, and operations, and was pivotal in developing the industry's first flat-fee variable annuity product Check Out the DPL Financial Partners Website and connect with David via LinkedIn Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468. Erik can be reached at erik.olson@aretewealth.com or 815-940-4652. Adrian can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905. Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b/ #retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

This episode is also available as a blog post: https://drdannielleblumenthal.wordpress.com/2021/12/30/chief-rabbi-of-israel-david-lau-does-the-right-thing/

In today's episode, Tommy talks with David Lau, Founder, and CEO of DPL Financial Partners. David is a leader and an innovator in the financial services industry. He has a stellar track record in financial services and has made a name in the realm of internet banking. One of his best contributions has been eliminating the commission on annuities, making them more affordable and accessible. David talks with Tommy about the impact of commission-free annuities, the psychology of choice, and the truth about financial advice. [09:50] - “Look at the way things are done within financial services and ask, why is it that way? Can't we improve? How do we bring better value to the end customer? Because if you can do that and you can execute well, you're going to build a successful business.” - David Lau Main Takeaways  [14:37] - There's a lot of great advantages to the structure of an annuity such as tax deferrals, lifetime income, and benefits. If made easily accessible, they can be tremendous assets to a portfolio and retirement plans. [16:58] - Create choice, leverage tech to enable easy product selection, and drive costs down—that's how you deliver client value.  [18:21] - If you want a secured future, consider annuities. There's no better tool than an annuity, as it provides guaranteed lifetime income. [21:10] - There are two “types” of financial advisors, the one who's paid for advice, and the one who only sells their product. The fiduciary rule asks financial advisors to always act in the client's best interest, no matter what. [27:44] - Choose investors wisely. People who have a demonstrated personal history of growth and success are the ones who can bring value to you and your company. Links David Lau on LinkedIn DPL Financial Partners Vestia Advisors Bitcoin Telebank Nationwide Advisory Solutions E-trade Eldridge LA Dodgers Atlas Merchant Capital The Founder's Dilemmas: Anticipating and Avoiding the Pitfalls That Can Sink a Startup by Noam Wasserman Todd Boley Connect with our host Mammoth Tommy on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts Learn more about Mammoth Scientific's Health & Tech Fund 1 When you move beyond the point of making sure your retirement goals are on track, your investment opportunities are wider than just publicly traded funds. Step into the world of investing in venture capital by learning more about Mammoth Scientific's Health & Tech Fund 1. Curated by some of the leading medical and fintech experts, Mammoth's Fund 1 is paving the way for health science and tech innovation. If you're interested in helping patient care, provider insight, and instrumentation go beyond possibility and into reality, check it out today at Mammoth.vc. Visit Mammoth.vc today!

On today's Talk Your Book, we spoke with David Lau from DPL Financial Partners about annuities and how financial advisors are dealing with low interest rates. Find complete shownotes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Like us on Facebook And feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation.

Gerry Harrah shares her passion decorating living spaces for victims of spousal abuse, former drug addicts, alcoholics and others on the fringes of society. Jacqueline Teague, 17, and Amelie Beck, 15, created VaxConnectKY which has so far helped 2,000 non-computer savvy senior citizens register on line for the COVID 19 vaccination. David Lau, founder and CEO of DPL Financial Partners shares simplicity of annuities as a possible investment tool for retirement. Despite numerous setbacks the remarkable story of the 17-years Soichi Honda invested in building a multi-billion dollar motorcycle and automobile company.

On today's Talk Your Book, we spoke with David Lau of DPL Financial Partners about all things annuities and how they can help advisors in a low interest rate world. Find complete shownotes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Like us on Facebook And feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation.

Rob and Rory speak with the CEO and Founder of DPL Financial Partners, David Lau, where he emphasizes the importance of annuities to facilitate a new era of retirement planning. With a current database of 3,000 products, 40,000 writers, and 400,000 price points, DPL Financial Partners is the first and leading commission-free annuity and insurance platform for registered investment advisors and carriers. With interest rates at an all-time low and the bond market losing traction for funding retirement plans, David emphasizes how annuities can become a viable option for retirees. For this podcast, David highlights DPL's ability to alleviate interest rate concerns when looking at fixed income as part of one's portfolio. Based on the low-interest rate environment, using an annuity is a little more than 40% more efficient than fixed income in generating income today. David goes on to reveal key strategies for retirement planning in anticipation of the largest transferring of wealth in human history. Additionally, you will find topics on how annuities contribute to accountants improving their holistic wealth management strategy. Listen in on this podcast to learn more from David and our team!

Retired large animal veterinarian Carle Pippin shares his passion for fellow veterans as a tireless community volunteer including collecting beds for A Place to Sleep and donations of pet food for homeless cats and dogs. New Beginnings segment features Gale Reece, founder of iKnow Expo, a care givers conference for Seniors and those with disabilities. David Lau, founder and CEO of from dplfp Financial, discusses potential options to consider while planning for or already retired and enjoy an amazing story of what can happen out of sheer desperation.

This week's guest is David Lau, and he and Lauren discuss annuities 101: what they are, the different types, and why you (or your parents) might want one for retirement. David Lau is a widely recognized as an innovator and disruptor in the financial services industry. Most recently, he is Founder and CEO of DPL Financial Partners', a privately held financial services firm that specializes in development and distribution of commission-free insurance and annuities for Registered Investment Advisors (RIAs) and individuals. Earlier in his career, David helped build E*Trade Bank, and its predecessor Telebank, which was the nation’s first internet bank, and served as COO for JeffersonNational, where he led marketing, sales, and operations, and was pivotal in developing the industry’s first flat-fee variable annuity product. How to get in touch with David and DPL: 1-877-625-5544 DPL Website: www.dplfp.com Twitter: https://twitter.com/dpl_fp Linkedin: https://www.linkedin.com/company/16193010/

The post #ItzOnWealthTech Ep. 87: The Engine Powering the SS&C Advent Insurance Marketplace with David Lau, DPL Financial Partners appeared first on and was written by Craig Iskowitz. “I know this from my many years at Jefferson National, it was difficult to get the Orions and the BlackDiamonds of the world to build insurance functionality, because they didn't have demand. Their advisors aren't really using these products, so a data feed would be enough. But as there's more demand, the technology becomes necessary […] The post #ItzOnWealthTech Ep. 87: The Engine Powering the SS&C Advent Insurance Marketplace with David Lau, DPL Financial Partners appeared first on and was written by Craig Iskowitz.

The post #ItzOnWealthTech Ep. 87: The Engine Powering the SS&C Advent Insurance Marketplace with David Lau, DPL Financial Partners appeared first on and was written by Craig Iskowitz. “I know this from my many years at Jefferson National, it was difficult to get the Orions and the BlackDiamonds of the world to build insurance functionality, because they didn’t have demand. Their advisors aren’t really using these products, so a data feed would be enough. But as there’s more demand, the technology becomes necessary […] The post #ItzOnWealthTech Ep. 87: The Engine Powering the SS&C Advent Insurance Marketplace with David Lau, DPL Financial Partners appeared first on and was written by Craig Iskowitz.

On today's show, the guys talk with David Lau from DPL Financial Partners about how they're improving the insurance sales for advisors and their clients.    Find complete shownotes on our blogs... Ben Carlson’s A Wealth of Common Sense Michael Batnick’s The Irrelevant Investor Like us on Facebook And feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation.

Contribution à la valorisation de granulats recyclés : développement d’une méthode d’identification et de quantification automatisée basée sur le deep learning et évaluation de leur capacité de stockage en CO2

In episode 275, we welcome our guest, David Lau, Founder and Chief Executive Officer of DPL Financial Partners, a firm focused on the distribution of financial products geared toward the Registered Investment Advisor (RIA) and fee-based advisory channels.  In today’s episode, we’re talking all about annuities. Annuities are often thought of as being too expensive and a bad product for clients, but David explains how his firm is changing that by removing the commission, which lowers the cost by 80%. We get into the benefit of annuities, which offer tax deferred accumulation and income generation, while also taking risk management into account. David explains how RIA’s are using annuities for clients and why they make sense in a world with rates so low around the globe.   As we start to wind down, we hear about the future plans for the firm, which include building out their suite of offerings and eventually offering a direct-to-consumer product. Please enjoy this episode with DPL Financial Partners’ David Lau.

Join Rabbi Matanky as he interview the Chief Rabbi of Israel and discuss topics ranging from the response to COVID, the conversion of Russian Jewry and the need for outreach in the Jewish community.

Dr. Sean Wharton and Dr. David Lau discuss a newly published clinical practice guideline on obesity management. They are joined by Lisa Schaffer, who talks about her experience as a Canadian living with obesity. They discuss the complex interplay of factors that can lead to obesity, such as genetics, metabolic, behavioural, psychological and environmental factors. They also talk about stigma and its negative impact on health independent of other factors. Dr. Sean Wharton is an internist, associate professor and clinical researcher at McMaster University in Hamilton and York University in Toronto, Ontario. Dr. David Lau is an endocrinologist, researcher and professor of medicine, biochemistry and molecular biology at the University of Calgary Cumming School of Medicine. Lisa Schaffer is a patient-partner and chair of the public engagement committee with Obesity Canada. The clinical practice guideline is published in CMAJ: www.cmaj.ca/lookup/doi/10.1503/cmaj.191707 ----------------------------------- Subscribe to CMAJ Podcasts on Apple Podcasts, iTunes, Google Play, Stitcher, Overcast, Instacast, or your favourite aggregator. You can also follow us directly on our SoundCloud page or you can visit www.cmaj.ca/page/multimedia/podcasts.

David is the Founder and Chief Executive Officer of DPL Financial Partners, a network that connects Registered Investment Advisors and fee-based advisory channels with insurance solutions from the nation's top carriers.  David started DPL with an idea to distribute variable annuities through RIAs and fee-only advisors. That seemed like a gamble at the time. David's hunch proved accurate. In just two years, DPL membership achieved an RIA footprint that approached some of the largest, well-established platforms in the industry.  In this conversation, we discuss how DPL has built a turnkey, product-agnostic insurance platform for RIAs. Insurance is an important part of a holistic financial plan. David argues that advisors can — and should — use insurance products when that's the best and most appropriate solution for their clients. However, fee-only advisors have historically had to refer their clients to outside insurance professionals because of commissions. DPL eliminated the need to do that. Resource Links Looking for more ideas about growing your practice? Join the Model FA Facebook Community, where you will find expert advice on how to launch, grow, scale, and transform your firm with an incredible client experience. Or, check out our Model FA Accelerator, a premier coaching and practice management program for entrepreneurial financial advisors.

Episode 20 of Common Ground Oak Park is a wide-ranging discussion on the outbreak and response to the Covid-19 virus. Oak Park resident; David Lau, joins Dan Moroney to provide insight in to the health, economic and social impacts of this pandemic.  A native of China, David has worked in the financial industry for over twenty years.  His specialization in global markets and cyclical industries has given David unique insights in to how this outbreak has swept the world.  Highlight video from this podcast can be seen on the Common Ground Oak Park Facebook Page& YouTube Channel.  

Counterterrorism and Security Professional, David Lau, shares how we can better prepare ourselves for the unexpected.

Are you up on the latest trends in the finance industry? Join this eye-opening conversation with host Doug Heikkinen and guest, David Lau, founder and CEO of DPL Financial Partners. In this episode about top industry trends, they discuss how clients’ view of planning has shifted, why that’s turning advisors’ value propositions upside down, and … Continue reading Episode 18 –  Top Trends That Are Reshaping the Finance Industry — With David Lau →

Tyler Davidson sits down with counterterrorism and security professional David Lau and risk management educator Alan Kleinfeld at MPI WEC 2019 to discuss what meeting and event planners as well as facility operators need to know to identify a possible active shooter, what security concerns to include in the RFP and site selection process, and how to react onsite if the unthinkable happens. [Related Content:  9 Active Shooter Risk Management Tips] Enjoying this episode? View more episodes of the Meetings Today Podcast! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Tropical fruits. Fresh seafood. Community. All of these things come into play during this week's episode of FoodCrush. Join us as we explore the riches of the Hawaiian islands with David Lau and Guy Roeseler, owners of Ono Kine Grindz. We chat with them about their journey from the Central Pacific to Milwaukee Along the way, we explore the origins of poke, the story behind the “Loco Moco” and the cultural flavors inherent to the delicious dishes of the Pacific Rim.

Our inaugural BOL Youth Ministry Breadcrumbs podcast. This first edition features a conversation with Pastor Dan & David Lau about Christian baptism.

On this show, we talked about disrupting the life insurance and annuity markets through commission-free versions of both products with David Lau, the Founder and CEO of DPL Financial Partners. Listen to learn how you can save a substantial amount of money the next time you buy life insurance or an annuity! For the Difference Making Tip, scan ahead to 19:34. You can learn more about David at DPLFP.com, Twitter, and LinkedIn. Please subscribe to the show however you’re listening, leave a review and share it with someone who appreciates good ideas.  You can learn more about the show at GeorgeGrombacher.com, or contact George by clicking here.

In this episode, we talked with David Lau of SnapTravel. David Lau thrives in the startup world. He is currently part of the growth team at a startup called SnapTravel – a booking startup that helps travelers find great hotel deals over Facebook Messenger and SMS. In July 2016, SnapTravel raised $1.2 million in its Seed round. Since then, they’ve been seeing rapid growth and hope to become every traveler’s go-to booking service. Learn about David’s journey today!

David Lau fights the good fight for newcomers to the Greater Victoria region. Not just because they need help, but also because healthy communities looking for economic stability need to welcome and embrace new blood, or so say the economists. The post David Lau of the Victoria Immigrant and Refugee Centre Society (VIRCS) appeared first on 29er Radio.

David Lau fights the good fight for newcomers to the Greater Victoria region. Not just because they need help, but also because healthy communities looking for economic stability need to welcome and embrace new blood, or so say the economists.

Dr. David Lau explains that heaviest patients have the highest rates of complications after emergency surgery.

Raj Rajaratnam is heard telling David Lau, a colleague, that he was told by a board member of Goldman Sachs that the bank would report a loss for the quarter See acast.com/privacy for privacy and opt-out information.