Podcast appearances and mentions of Willis Towers Watson

Die Themen im heutigen Versicherungsfunk Update sind: Optimismus der Gen Z steigt – und mit ihm der Wunsch nach Absicherung Laut einer Marktuntersuchung von Sirius Campus blicken 66 % der 16- bis 30-Jährigen optimistisch in ihre Zukunft – deutlich mehr als vor zwei Jahren. Chancen bei Vermögensaufbau, Familie und Karriere führen zu einem höheren Absicherungsbedürfnis. Viele planen zusätzliche Versicherungsabschlüsse. Die größte Aktivierung gelingt laut Studie durch konkrete Risikoaufklärung – ob im Beratungsgespräch oder per TikTok. Wieder brennt ein Autofrachter – Versicherer fordern besseren Brandschutz auf See Nach der „Felicity Ace“ und der „Fremantle Highway“ ist nun auch die „Morning Midas“ betroffen: Über 3.000 Fahrzeuge, darunter 800 E-Autos, gingen bei einem Großbrand verloren. Die Versicherungswirtschaft schlägt Alarm: Laut GDV wurden seit 2022 über 10.000 Autos auf See zerstört, die Schäden summieren sich auf über 1 Mrd. EUR. Der Verband fordert moderne Löschsysteme und bessere Brandfrüherkennung – auch auf internationaler Ebene. Gefahrstoffverordnung: Neue Pflichten für Gebäudeeigentümer Die aktualisierte Gefahrstoffverordnung bringt strengere Vorgaben zur Lagerung, Kennzeichnung und Entsorgung bestimmter Chemikalien mit sich. Betroffen sind auch private und gewerbliche Immobilien. Im Video warnen Dr. iur. Dennis Sturm und Prof. Dr. Dirk-Carsten Günther vor möglichen Lücken im Versicherungsschutz: Wer gesetzliche Schutzvorgaben missachtet, riskiert Leistungsausschlüsse in der Wohngebäudeversicherung. Renovierungen und Umbauten sollten daher unbedingt mit dem Versicherer abgestimmt werden. Generali Investments ernennt Matthias Paetzel zum Head of Sales für Deutschland und Österreich Generali Investments hat Matthias Paetzel zum neuen Head of Sales für Deutschland und Österreich berufen. Der Vertriebsexperte tritt sein Amt zum 1. Juli an und soll insbesondere die Kundenbasis im institutionellen Segment ausbauen. Paetzel bringt fast 20 Jahre Branchenerfahrung mit, zuletzt bei Willis Towers Watson. Ein Fokus seiner Arbeit liegt auf alternativen Anlagen und kundenindividuellen Lösungen. Wohngebäudeversicherung: uniVersa unterstützt Kunden mit Handwerkerservice Die uniVersa ergänzt ihren Wohngebäudeschutz um ein umfassendes Schadenmanagement: Ein persönlicher Ansprechpartner, ein 24-Stunden-Service und geprüfte Handwerksbetriebe sollen für schnelle, unkomplizierte Hilfe im Schadenfall sorgen. HDI Global startet Cyber-Wachstumsinitiative mit Readiness Workshops HDI Global integriert ab sofort sogenannte „Readiness Workshops“ in seine Cyber-Policen. Unternehmen erhalten dadurch präventive Unterstützung, um sich gemeinsam mit Incident-Response-Experten auf reale Schadensszenarien vorzubereiten. Ziel ist es, Betriebsunterbrechungen im Ernstfall zu minimieren und die Kundenbindung zu stärken.

We bring you this episode of the Value Perspective from the floor of the New York Quality Growth Conference. We relish the opportunity to reach across the proverbial aisle and chat with growth investors. We chat with returning guest Fabio Cecutto from Willis Towers Watson, David Souccar from Vontobel, Siddharth Jain from GQG Partners, Christopher Rossbach from J Stern, Stephen Pizenberg from Boyden, Stephen Clapham from Behind the Balance Sheet, James Bullock from Lindsell Train, Angela Wu from Artisan Partners, and Paula Robinson also from Willis Towers Watson. Enjoy! NEW EPISODES: We release main series episodes every two weeks on Mondays. You can subscribe via Podbean or use this feed URL (https://tvpschroders.podbean.com/feed.xml) in Apple Podcasts, Spotify, Google Podcasts and other podcast players. GET IN TOUCH: send us a tweet: @TheValueTeam  Important information. This podcast is for investment professionals only. Marketing material for Financial Professionals and Professional Clients only.  The material is not intended to provide, and should not be relied on for, accounting, legal or tax advice, or investment recommendations.  Reliance should not be placed on any views or information in the material when taking individual investment and/or strategic decisions.  Past Performance is not a guide to future performance and may not be repeated.  Diversification cannot ensure profits or protect against loss of principal.  The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested.  Exchange rate changes may cause the value of investments to fall as well as rise.  Investing in emerging markets and securities with limited liquidity can expose investors to greater risk.  Private assets investments are only available to Qualified Investors, who are sophisticated enough to understand the risk associated with these investments.  This material may contain “forward-looking” information, such as forecasts or projections. Please note that any such information is not a guarantee of any future performance and there is no assurance that any forecast or projection will be realised.  Reliance should not be placed on any views or information in the material when taking individual investment and/or strategic decisions. The views and opinions contained herein are those of the individuals to whom they are attributed and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds.  Any reference to regions/ countries/ sectors/ stocks/ securities is for illustrative purposes only and not a recommendation to buy or sell any financial instruments or adopt a specific investment strategy. Any data has been sourced by us and is provided without any warranties of any kind. It should be independently verified before further publication or use. Third party data is owned or licenced by the data provider and may not be reproduced, extracted or used for any other purpose without the data provider's consent. Neither we, nor the data provider, will have any liability in connection with the third party data.

Representation and warranty insurance (“RWI”), a growing presence in Canadian M&A transactions, is the subject of Mario Nigro's conversation with Rishi Dhir of Willis Towers Watson's Transactional Insurance Solutions group. Rishi discusses the increased adoption of RWI in the Canadian midmarket, noting that it is now commonly used in transactions with enterprise values as low as $5 million. He explains that the premiums and deductibles for these policies have decreased, while also highlighting the broad coverage provided in deals of all sizes. Recent developments highlight RWI providers' increased scrutiny of supply-chain flexibility and reliance on international customers in response to the tariff landscape.

In this episode of Palisades Gold Radio, host Tom Bodrovics interviews Josh Phair, CEO of Scottsdale Mint and Wyoming Reserve. The discussion centers on the current state of global finance, particularly the role of gold as a reserve asset and its implications for central banks, markets, and investors. Phair highlights that central banks are increasingly turning to gold as a risk-free asset, replacing treasuries on their balance sheets. This shift is driven by de-leveraging and de-risking strategies amid concerns over fiat currency inflation. He notes that countries like China have been leading this trend, with significant imports of gold into the U.S., signaling a global "gold race." The conversation also touches on Basel III regulations, set to take effect in summer 2025, which require banks to hold more capital and physical gold. Phair explains that owning ETFs does not provide the same risk-free status as holding physical gold, prompting central banks to prioritize its acquisition. Phair discusses the recent LBMA delivery issues, where metals were being requested at unprecedented rates, leading to delays. He suggests this was a combination of factors, including tariffs, market dynamics, and regulatory preparedness. Phair also explores the role of gold in a potential monetary reset, suggesting that while it won't happen overnight, gold is likely to play a significant role due to its status as a trusted asset. He advises investors to follow the lead of central banks and accumulate physical gold as a hedge against uncertainty. Time Stamp References:0:00 - Introduction0:48 - Gold Vs. Treasuries3:20 - LBMA Deliveries & Tariffs10:37 - Exchange Purity Specs12:36 - Who is Buying?17:02 - Bessent & Gold19:24 - Risks & Scenarios24:27 - Public & Retail Interest27:25 - Fed & China Trade Collapse35:49 - Manufacturing Investment42:50 - Capital Rotation & BRICS45:02 - Wrap Up Guest Links:Website: https://www.scottsdalemint.comX: https://x.com/scottsdalemintX: https://x.com/JoshPhilipPhairInstagram: https://www.instagram.com/scottsdalemint/ Scottsdale Mint was started in 2008 by Josh Phair after working as Vice President of what is now known as Willis Towers Watson, where he ran the North American Mining Practice, personally managing dozens of the largest mining companies and their risk management operations. Dedicating himself to innovation, quality, and security, Mr. Phair orchestrated a remarkable transformation of the company, evolving it from a mere retailer into a prominent U.S.-based manufacturer. Simultaneously, he adeptly managed a sophisticated trade and hedge book encompassing commodities, currencies, and digital assets. Thanks to his strategic leadership, Scottsdale Mint has earned global recognition as a premier brand in the precious metals industry. Josh Phair also cofounded and serves as CEO of The Wyoming Reserve Opportunity Zone Fund, a tax-advantaged precious metals vaulting business.  In addition to his remarkable achievements, Mr. Phair's profound appreciation for fine art extends to a deep passion for both traditional and digital artistic expressions. This passion serves as the driving force behind the artistic excellence that sets Scottsdale Mint apart in the realm of precious metals.

Tom Garland, Global Service Delivery Manager at Willis Towers Watson shares an insight to the journey from traditional PBX systems to Skype for Business, and then to Microsoft Teams.Key considerations and challenges in implementing such large-scale telephony changes across a diverse global workforce The importance of aligning projects with business requirements and managing user expectations to prevent operational complicationsSpecific regional challenges, and experience in implementing Operator Connect in countries like IndiaThe importance of adhering to compliance requirements through sophisticated call recording systems and practical approaches for managing call data efficientlyThanks to Pure IP, this episode's sponsor, for their continued support.

The Government is running the ruler over the way the Accident Compensation Corporation manages its $50 billion investment portfolio. The newly appointed minister responsible for the state injury insurer, Andrew Bayly, has commissioned consultants at Willis Towers Watson to review the performance of the Accident Compensation Corporation's investments, its governance, and the approach it takes to managing its investments. NZ Herald Wellington business editor Jenee Tibshraeny explains further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Government is running the ruler over the way the Accident Compensation Corporation manages its $50 billion investment portfolio. The newly appointed minister responsible for the state injury insurer, Andrew Bayly, has commissioned consultants at Willis Towers Watson to review the performance of the Accident Compensation Corporation's investments, its governance, and the approach it takes to managing its investments. NZ Herald Wellington business editor Jenee Tibshraeny explains further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode of the Canary Cast, Florian Hagenbuch, co-founder and partner at Canary, sits down with Christophe Gerlach, co-founder and CEO of Comp, a new kind of HR Tech that is rethinking the way businesses approach their total compensation strategies.From the origins of his entrepreneurial journey alongside Pedro Bobrow—delivering açaí to college students—to pioneering a "Service-as-a-Software" business model that leverages the combination of AI and human expertise, Chris shares details of his story and his vision for Comp's future. During the episode, he also reflects on the importance of thoughtful experimentation, building strategic trust when entering a new market, and the powerful impact of an intentional company culture.In this episode, we dive into: How Comp is helping companies be more strategic about every cent invested in labor costs Pioneering the "Service-as-a-Software" Business Model: How Comp is disrupting traditional compensation consultants and building the company at the intersection of technology and human expertise, where AI supports senior compensation executives to deliver personalized, effective solutions Comp’s approach to working closely with CEOs, CFOs, and CHROs to strategically manage compensation decisions during periods of expansion, restructuring, or business strategy shifts. Lessons learned about building a lean, high-performance team and why hiring A+ talent makes all the difference. Exceptionally, this episode was recorded in English, but we included a translated transcription below in the description of the episode. Whether you're a founder, business leader, HR professional, or just passionate about innovation, this episode is packed with insights at the forefront of compensation strategy and business-building. Tune in now to hear how Comp is not only solving today’s compensation challenges but also defining a new category in the HR landscape for the future. Guest:Christophe Gerlach Christophe Gerlach is the co-founder and CEO of Comp. Christophe graduated in Applied Economics and Management from Cornell University, where he met Pedro Bobrow. Together, they first founded Suna and are now building Comp. The company raised $4 million in a Seed round led by Kaszek, with participation from Canary, Norte, and 1616 funds, as well as 40 angel investors who are also executives from American companies and Brazilian startups such as Nubank, Creditas, and Caju. Follow Chris on LinkedIn Host: Florian Hagenbuch Florian is the co-founder and General Partner at Canary, a leading early-stage investment firm in Brazil and Latin America. Canary has invested in more than 100 companies since its founding in 2017. Previously, Florian founded Loft, a company that digitized and transformed the home buying experience in Brazil, bringing transparency, liquidity, and credit to millions of Brazilians. Before that, Florian also co-founded Printi, the leading online printing marketplace in Latin America. Follow Florian on LinkedIn Highlights: 00:00 - Opening01:50 - Personal Journey and the Beginning of Chris and Pedro's Partnership03:07 - Starting a Food Delivery Business in College07:25 - Transition to HR Tech and General Atlantic Experience08:37 - Labor Cost Challenges and Finding a thesis11:48 - Founding Comp and Initial Product Development13:30 - Comp's Value Proposition in the HR and Compensation Market18:29 - "Service-as-a-Software" Business Model and Strategic Use of AI for Software, Services, and Tools26:20 - Comp's Traction So Far28:44 - Building a team in a AI native company35:12 - Challenges along the way39:26 - Vision for the Future and Global Ambitions46:56 - Customer Success Stories and Impact51:56 - Closing RemarksEpisode Transcription in Portuguese: O mundo que estamos construindo é um em que um executivo pode vir e dizer: “Ei, em 2025, minha empresa vai crescer a receita em 25%. Precisamos alcançar o ponto de equilíbrio. Vamos abrir uma divisão de fintech, então precisaremos de novos tipos de talentos nessa área, e também vamos encerrar nossas operações no país X, Y, Z. Assim, gostaria que vocês me ajudassem a desenhar cada elemento do meu custo total de mão de obra." Quais benefícios eu devo oferecer? Quanto eu devo aumentar nos salários baseado nesse objetivo de ponto de equilíbrio, na minha retenção anterior, no índice de conversão de candidatos que já tivemos? Existe uma enorme quantidade de dados que podem ser usados, digamos, para otimizar essas decisões. E tudo isso pode começar a partir de um input estratégico de alto nível, como esse, composto por uma ou duas frases de um executivo, e, a partir daí, podemos fazer todo o trabalho e voltar com soluções para o cliente. Realmente acredito que é assim que as empresas tomarão decisões no futuro. E, honestamente, colocaria vocês nessa categoria. Não é fácil apontar para uma empresa específica, em outro lugar, fazendo algo verdadeiramente parecido com o que vocês estão fazendo. Vocês estão assumindo riscos reais de inovação e realmente estão na vanguarda do que é possível nessa área de atuação em que vocês trabalham. Chris, agora vamos mudar para o inglês para começar nosso episódio, já que temos um gringo aqui no programa hoje – gringo, como eu, de várias maneiras. Muito obrigado, Chris, por aceitar o convite de compartilhar um pouco sobre sua história e sua trajetória com a Comp. Estamos muito, muito empolgados em tê-lo aqui e ansiosos por essa conversa com você. Então, muito obrigado e seja bem-vindo. Chris: Obrigado pelo convite. Estou super animado para estar aqui e por essa conversa. Florian: Ótimo. Talvez comecemos com o comentário do gringo. Quando comecei minha carreira como empreendedor aqui no Brasil, havia muitos de nós. Era na época da Rocket Internet: tinha muitos alemães, americanos e franceses. E então, durante um tempo, eles meio que desapareceram. Provavelmente tem a ver com os altos e baixos econômicos do Brasil, mas eis que agora você está aqui, um gringo na cidade, construindo algo no Brasil. Algo realmente único e intrigante. Eu adoraria ouvir mais: você pode compartilhar um pouco sobre o seu passado, sua trajetória e o que o trouxe ao Brasil e à decisão de começar a Comp localmente? Chris: Claro! Que honra! Acho que sou o primeiro gringo no podcast, então estou honrado de ser o primeiro. Um pouco sobre mim – sou meio holandês e meio americano. Nasci na Holanda e cresci principalmente nos EUA. Quando jovem, meu sonho era jogar futebol profissional. Além de ser o “gringo” com quem você está conversando agora, meu segundo maior orgulho é que joguei contra o Mbappé na França quando eu tinha cerca de 14 anos. Mas, em certo ponto, percebi que não seria bom o suficiente para fazer disso uma carreira. Eu fui jogar na universidade e estudei na Cornell, em Nova York. Foi lá que conheci meu cofundador brasileiro, chamado Pedro, há mais ou menos uns 7 ou 8 anos. Estávamos em uma aula de comunicação empresarial, onde a tarefa era dar um discurso inspirador sobre algo que queríamos fazer em nossa carreira. Todo mundo na classe dizia que queria trabalhar no Goldman Sachs como banqueiro ou ser consultor na McKinsey. Pedro e eu fomos os únicos a falar sobre empreendedorismo. Achei que Pedro fez um discurso muito carismático e emocional sobre porque queria ser empreendedor. Mas o professor, depois do discurso dele, disse algo como: “Pedro, tenho certeza de que o que você disse foi ótimo, mas não consegui entender por causa do seu sotaque brasileiro. Você precisa melhorar isso se quiser passar nessa matéria." Após a aula, fiz uma brincadeira com ele, e acabamos nos tornando amigos por sermos os únicos da turma com mentalidade empreendedora. Começamos a almoçar juntos, a trocar ideias, etc. Durante nosso segundo ano de faculdade, começamos um negócio de entrega de comida. Entregávamos açaí para estudantes no campus e alguns outros itens de café da manhã. A inovação que criamos, entre aspas, foi que, diferente de plataformas como Uber Eats, iFood ou DoorDash, onde cada entrega é feita separadamente, nós coletávamos vários pedidos de uma vez para reduzir o preço da entrega. Em vez de uma pessoa da entrega pegar um pedido por vez, pegávamos, por exemplo, 8 ou 10 pedidos de uma só vez. Dessa forma, reduzíamos o custo para o consumidor e tornávamos o processo mais eficiente. Como muitos estudantes moravam próximos uns dos outros no campus, fazia sentido. Além disso, ajudávamos restaurantes fora do campus a atender os estudantes e a gerar mais receita durante as manhãs, quando eles tinham capacidade ociosa. Esse foi, basicamente, o nosso modelo de negócio. Chegamos a levantar capital de algumas aceleradoras, crescemos para uma equipe de 30 pessoas, aprendemos muito, mas tivemos o que chamamos de uma saída pequena. Não foi um grande sucesso financeiro, mas aprendemos que amávamos ser empreendedores. Até hoje, não sei explicar de forma 100% racional; foi mais emocional, e ainda é. Amamos construir algo do zero, trabalhar com colegas inteligentes e ambiciosos, enfrentar novos desafios todos os dias. Também aprendemos que adorávamos trabalhar juntos, e nos comprometemos a continuar trabalhando juntos por anos. Então, dessa experiência, não tivemos um grande retorno financeiro, mas conquistamos uma parceria de longo prazo entre mim e o Pedro. Depois de nos formarmos, trabalhei na General Atlantic, uma firma global de private equity focada em estágio de crescimento (Series B, Series C). Lá, me concentrei em empresas de tecnologia B2B e avaliei várias empresas de recrutamento, performance, folha de pagamento, compensação, etc. Foi um lugar fantástico para aprender e, eventualmente, acabei mergulhando fundo na área de tecnologia para RH, que encabeça o que fazemos hoje na Comp. Florian: Impressionante! Há muito o que explorar só nessa parte da sua trajetória, e também muitos aspectos em comum, Chris. Eu também joguei futebol, mas, infelizmente, não contra o Mbappé. Essa é uma ótima história! Você deveria contar isso mais vezes. Chris: Eu até contaria mais vezes, mas perdemos aquele jogo de 5 a 1. Florian: Ele marcou? Chris: Ele marcou três vezes. Florian: Uau. Já dava pra perceber que ele era incrível, né? Chris: Sim, dava pra ver que ele era fantástico. Florian: Então provavelmente você está em um daqueles vídeos caseiros onde o Mbappé destrói todo mundo, e você é um dos meninos tentando detê-lo no vídeo. Chris: Eu adoraria ver esse vídeo, por mais embaraçoso que fosse. Florian: Muito bom. Mas voltando ao que você mencionou, algo que capturou minha atenção foi quando você disse que, até hoje, não sabe muito bem por que quis começar uma empresa, dizendo ser um processo emocional. E, em muitos aspectos, isso se assemelha a ser uma criança querendo ser jogador de futebol, certo? É mais como um sonho, algo que você simplesmente quer fazer. E, como empreendedor, esperamos que você acabe se tornando mais um "Mbappé", do que "Chris". Mas, me conte um pouco mais sobre como vocês construíram a empresa na faculdade, venderam e seguiram em frente. Você sabia que ia começar outra empresa? E trabalhar na General Atlantic foi mais um “deixa eu olhar o mundo real e adquirir habilidades” ou algo mais? Como foi essa decisão? Para você, foi sempre óbvio que aquilo era algo temporário e que você voltaria a ser fundador? Chris: Sim, diria que foi algo assim. No último semestre da faculdade, Pedro e eu fizemos uma promessa um ao outro de que, em até 3 anos, iríamos começar um negócio juntos. Pedro foi trabalhar em um cargo de produto no Vale do Silício, enquanto eu fui para a General Atlantic, mas o plano era claro: trabalhar por alguns anos, ter experiências complementares em nossas trajetórias e aprender como é estar no “mundo real”. Queríamos construir um currículo sólido, mesmo que por apenas 1 ou 2 anos. Mas sabíamos, desde o dia em que paramos de trabalhar no negócio de entrega de açaí, que um dia voltaríamos. Florian: E vocês sabiam que seria vocês dois juntos novamente. Chris: Exatamente. Disso nós tínhamos certeza. Não sabíamos se seria uma empresa B2B, B2C, em qual setor, ou mesmo em qual geografia, mas sabíamos que seria nós dois. Acabamos indo para o mundo do tech para RH porque foi o foco do meu trabalho na General Atlantic, e posso aprofundar mais sobre isso. Florian: Legal, fale mais sobre isso. Acho muito interessante. Chris: Eu diria que existiam alguns temas principais. Na General Atlantic, como a maioria das empresas de investimento, o papel dos analistas juniores é basicamente buscar oportunidades e fazer diligências, no nosso caso, em empresas de tecnologia em estágios mais avançados (Series B em diante). Algo que me surpreendeu inicialmente – e lembro de comentar isso com o Pedro – foi que, ao fazermos diligência em empresas promissoras, percebíamos que a maioria dos CEOs tinha muita clareza sobre sua estratégia de mercado e visão do produto, mas, por outro lado, não tinham tanto domínio sobre a estratégia relacionada às pessoas que fazem todas essas coisas acontecerem. Perguntávamos coisas como: “Por que vocês têm essa divisão específica de salário fixo versus variável?”, ou “Quais são os custos associados à folha de pagamento nessa região ou país, se você contratar CLT ou prestadores de serviço?”. Também perguntávamos coisas como: “Como os gestores conseguem orçamento para novas contratações?” ou “Como vocês alocam o orçamento de aumento salarial anual?”. E a maioria dos líderes usava uma boa dose de intuição para responder a essas questões. Isso não é necessariamente errado, mas começamos a chamar isso de “estratégia de custo de mão de obra”. E ficou claro para nós que, mesmo em empresas modernas de tecnologia e serviços, onde 50% a 80% do orçamento operacional vai para folha de pagamento e benefícios, a abordagem usada para essas questões era baseada em “achismos”. O foco nessas decisões críticas parecia ser insuficiente. Outra coisa que eu aprendi na General Atlantic foi a operação do RH, ou seja, o lado operacional do RH, e não tanto o estratégico. Quando digo operacional, quero dizer as atividades diárias geridas, muitas vezes, em planilhas de Excel e PDFs. Observamos que esse era um espaço relativamente saturado globalmente. Em qualquer mercado grande (Latam, EUA, Europa, etc.), havia dezenas de empresas vendendo ferramentas de software que ajudavam as empresas a gerenciar diferentes partes da área de RH: desde folha de pagamento até recrutamento, desempenho, entre outros. Avaliamos que o lado operacional já tinha muitos concorrentes e seria muito difícil entrar nesse mercado com um SaaS tradicional. Além disso, percebemos que, enquanto o lado operacional era bem atendido, o lado estratégico – especificamente em relação a compensação e estratégia de custo de mão de obra – ainda dependia amplamente de consultorias como Mercer, Korn Ferry e Willis Towers Watson. Essas consultorias são extremamente caras e com NPS negativo. Foi um momento de “eureka” perceber que, apesar do custo alto, os resultados obtidos com essas consultorias não atendiam às expectativas. Além disso, muitas decisões relacionadas à compensação nas empresas ainda eram feitas de forma pouco transparente, tanto para recrutadores quanto para os próprios colaboradores. A compensação como um todo parecia ser um “problema cabeludo” tanto do lado da empresa quanto do colaborador. E foi aí que começamos a explorar a ideia de construir uma empresa que ajudasse outras empresas com suas estratégias de compensação total. Florian: Super interessante, Chris. Isso faz muito sentido. Por que você não nos conta um pouco mais sobre a evolução do produto da Comp e como a empresa começou? Também trabalhamos juntos nisso, então vi boa parte da jornada. Quando começaram, e quando investimos em vocês pela primeira vez, a ideia e o produto inicial eram, essencialmente, um banco de dados de compensação, com dados em tempo real. E foi incrível como vocês conseguiram atrair várias techs para participarem da plataforma, compartilhando, de forma anônima, os dados de compensação. Em troca, essas empresas recebiam benchmarks do mercado. Se minha descrição não for precisa, me corrija. Mas esse era o produto inicial. Como o valor evoluiu desde então? O que vocês aprenderam ao longo desses últimos anos e, agora, qual o principal valor que a Comp entrega? Chris: Certo! Há muita coisa para discutir aqui. Mas sim, começamos exatamente como você descreveu. Criamos um banco de dados de compensação, que é o primeiro produto. A proposta de valor para os clientes era: para tomar a maioria das decisões sobre salários, benefícios, bônus, e incentivos de longo prazo, eles precisariam de benchmarks do mercado. Quer dizer, dados específicos sobre o que os concorrentes diretos estão fazendo. E, claro, cada cliente precisa de benchmarks diferentes: por exemplo, uma empresa pode querer comparar seus engenheiros com Nubank e PicPay, mas precisa olhar para Itaú ou Bradesco quando se trata de analistas financeiros. O primeiro produto que criamos foi, basicamente, isso: um banco de dados com rede de dados altamente valiosa. Quanto mais empresas participam da base compartilhando seus dados anonimamente, mais robusto o banco de dados fica para todos. Por isso, disponibilizamos essa ferramenta gratuitamente – além do fato de que não existe orçamento tão significativo destinado apenas para a aquisição de benchmark. Hoje, temos mais de 1.000 empresas usando esse produto na América Latina, com foco no Brasil, além de algumas multinacionais que têm operações locais. Continuamos expandindo: começamos apenas com benchmarks de salário, mas já adicionamos dados sobre modelos de salário variável, benefícios, incentivos de longo prazo e até análises organizacionais como número médio de subordinados por gestor. Agora, ajudamos os clientes em duas frentes principais: estratégia e implementação. Sobre estratégia: hoje empresas nos contratam para desenhar ou revisar a estratégia de compensação. Isso inclui desde construir tabelas salariais até planos de bônus e benefícios. Por outro lado, também fornecemos ferramentas para implementar essas políticas, automatizando promoções, comunicação de benefícios, entre outras atividades. Florian: Super interessante, Chris. Isso faz muito sentido. Por que você não nos conta um pouco mais sobre a evolução do produto da Comp e como a empresa começou? Também trabalhamos juntos nisso, então vi boa parte da jornada. Quando começaram, e quando investimos em vocês pela primeira vez, a ideia e o produto inicial eram, essencialmente, um banco de dados de compensação, com dados em tempo real. E foi incrível como vocês conseguiram atrair várias techs para participarem da plataforma, compartilhando, de forma anônima, os dados de compensação. Em troca, essas empresas recebiam benchmarks do mercado. Se minha descrição não for precisa, me corrija. Mas esse era o produto inicial. Como o valor evoluiu desde então? O que vocês aprenderam ao longo desses últimos anos e, agora, qual o principal valor que a Comp entrega? Chris: Certo! Há muita coisa para discutir aqui. Mas sim, começamos exatamente como você descreveu. Criamos um banco de dados de compensação, que é o primeiro produto. A proposta de valor para os clientes era: para tomar a maioria das decisões sobre salários, benefícios, bônus, e incentivos de longo prazo, eles precisariam de benchmarks do mercado. Quer dizer, dados específicos sobre o que os concorrentes diretos estão fazendo. E, claro, cada cliente precisa de benchmarks diferentes: por exemplo, uma empresa pode querer comparar seus engenheiros com Nubank e PicPay, mas precisa olhar para Itaú ou Bradesco quando se trata de analistas financeiros. O primeiro produto que criamos foi, basicamente, isso: um banco de dados com rede de dados altamente valiosa. Quanto mais empresas participam da base compartilhando seus dados anonimamente, mais robusto o banco de dados fica para todos. Por isso, disponibilizamos essa ferramenta gratuitamente – além do fato de que não existe orçamento tão significativo destinado apenas para a aquisição de benchmark. Hoje, temos mais de 1.000 empresas usando esse produto na América Latina, com foco no Brasil, além de algumas multinacionais que têm operações locais. Continuamos expandindo: começamos apenas com benchmarks de salário, mas já adicionamos dados sobre modelos de salário variável, benefícios, incentivos de longo prazo e até análises organizacionais como número médio de subordinados por gestor. Agora, ajudamos os clientes em duas frentes principais: estratégia e implementação. Sobre estratégia: hoje empresas nos contratam para desenhar ou revisar a estratégia de compensação. Isso inclui desde construir tabelas salariais até planos de bônus e benefícios. Por outro lado, também fornecemos ferramentas para implementar essas políticas, automatizando promoções, comunicação de benefícios, entre outras atividades. Florian: Muito interessante, Chris. Notei que você não mencionou a palavra "IA" ao falar do produto, o que é curioso, porque vejo a Comp como uma empresa nativa de IA. Vamos falar um pouco sobre o que significa ser uma empresa nativa de IA, tanto no produto quanto na cultura. Como vocês estão utilizando IA para liderar essa categoria de "selling work"? Chris: Ótima pergunta. Talvez a primeira coisa a abordar seja por que não mencionamos IA ao falar da Comp. Diferente de outras empresas de "selling work", que tentam eliminar completamente a necessidade de humanos na operação, nós intencionalmente mantemos humanos no processo. Isso porque acreditamos que, em decisões estratégicas como compensação, é crucial ter um especialista humano envolvido. Nosso diferencial é que usamos IA para apoiar esses especialistas. A IA nos ajuda a analisar grandes volumes de dados, identificar padrões e fornecer recomendações baseadas em dados. Mas o toque humano ainda é essencial, especialmente em decisões estratégicas críticas. Florian: Faz sentido. E como vocês têm se saído em termos de tração e marcos importantes? Chris: Hoje, temos mais de 1.000 empresas usando nosso produto de benchmark e mais de 100 clientes pagantes utilizando nossos serviços de estratégia e implementação. Crescemos mais de 8x ano a ano em 2024 com uma equipe enxuta de 16 pessoas. Florian: Impressionante. E como vocês pensam sobre a cultura da empresa, especialmente em um ambiente de crescimento tão rápido? Chris: Temos sido muito intencionais sobre manter a equipe pequena e focada. Acreditamos que uma equipe menor e altamente qualificada é mais eficiente e ágil. Isso nos permite evitar burocracia e tomar decisões rapidamente. Também incentivamos uma cultura de colaboração e propriedade, onde cada membro da equipe é incentivado a assumir responsabilidade e contribuir ativamente. Florian: Muito interessante, Chris. E quais são os maiores desafios que vocês enfrentaram até agora? Chris: Um dos maiores desafios tem sido vender para compradores avessos ao risco, como o RH. É difícil convencê-los a adotar uma nova abordagem sem muita confiança. Investimos muito em construir nossa marca e estabelecer confiança com nossos clientes. Outro desafio é educar o mercado sobre o valor que oferecemos. Muitas vezes, os clientes não percebem que têm um problema até que seja tarde demais. Por isso, começamos com contratos menores e expandimos conforme ganhamos a confiança do cliente. Florian: E quais são os planos futuros para a Comp? Chris: Temos ambições globais. O problema que resolvemos é universal, e acreditamos que podemos levar nossa abordagem para outros mercados. Estamos apenas começando, mas estamos animados com o potencial de crescimento e impacto que podemos ter. Florian: Muito obrigado, Chris, por compartilhar sua história e insights. Foi uma conversa incrível, e estamos ansiosos para ver o que o futuro reserva para a Comp. Chris: Obrigado, Florian, e a toda a equipe da Canary pelo apoio. Estamos apenas começando, e há muito mais por vir. See omnystudio.com/listener for privacy information.

This week, we revisit our interview with Aidan Kehoe. Aidan is currently the Founder and Managing Partner of Nadia Partners. Previously, he was the founder and CEO of SKOUT Cybersecurity (Acquired by Barracuda Networks). Mr. Kehoe was actively involved in all aspects of the firm's development and expansion since its launch in 2014. Prior to Skout, Aidan founded several other enterprises, including Oxford Global, a global risk management company, which was acquired by Willis Towers Watson in 2013. He also has many years of experience working in an investment capacity with an institutionally sized private family office investing in both private and public investment vehicles. Aidan is the chairman of the U.S. Leaders Council of Cordaid, serving the most vulnerable people in the most fragile places in the world. He also serves on the board of Autism Speaks. Originally from Ireland, he has served as a board member to both public and private equity-backed companies throughout the United States, Canada and Europe. He has extensive experience in leading and building teams who tackle the hardest problems.

It was October, 1993. To Art Murray, these were exciting times. He'd just arrived in Moscow and saw firsthand the artillery damage to the Russian Parliament building, a.k.a., “The White House,” from the constitutional crisis which happened a few weeks earlier. He was invited to speak on the new "information economy." But the audience's reaction surprised him. "What good is all of this information if you can't act on it?" they asked. They were confirming what he'd already concluded years earlier - that knowledge (deciding what action to take) was far more valuable than information alone. He returned to the U.S. and launched Telart Technologies, now Applied Knowledge Sciences, Inc. Building upon over a 25 years of knowledge and experience, AKSciences helps clients around the world capture and grow their corporate brain trust and become knowledge-sharing enterprises. Clients have included: the Pan American Health Organization; Abu Dhabi Police HQ, Western Region Development Council, and General Secretary Executive Council; Lockheed Martin; the US Air Force; US Army Research Laboratory; Willis Towers Watson; World Trade Center Dulles Airport; and many others. Much of this body of work has been published in several books, including “Deep Learning Manual: The Knowledge Explorer's Guide to Self-Discovery in Education, Work, and Life (2016),” and “Building the Enterprise of the Future: Co-Creating and Delivering Extraordinary Value in an Eight-Billion-Mind World (2018),” along with the decade-long series “Future of the Future,” published by KMWorld Magazine. Through his many seminars and workshops, Art has shown hundreds of executives how to compete in a complex, rapidly-changing world. Specialties: Transforming traditional organizations into knowledge-sharing enterprises; human deep learning; building and curating e-bodies of knowledge; organizational knowledge governance. https://www.pib.gov.in/PressReleasePage.aspx?PRID=1944183 Gibson Affordances Art Murray LinkedIn News Release India Ministry of Education India

Recently we attended the London Quality Growth Conference and we've put together a special quilt episode, featuring many of the key speakers at the event. One of the things we love about recording this podcast and attending this type of conference, is it gives us a chance to step outside of our usual circle and have conversations with people who think differently. Whether it's Value, Growth or Quality it's all investing at the end of the day, and hearing new perspectives sharpens our own thinking. We're joined by an incredible line-up of investors and allocators from the Quality Growth world. You'll hear from the likes of Nick Train, from Lindsell Train, Anthony Brenton, from Turtle Creek, Richard Warne, from Copia Capital, Christopher Rossbach, from J. Stern, Oliver Wayne, from Redington, Stephen Clapham, from Behind the Balance Sheet, David Shapiro, from Sustainable Growth Advisers, Fabio Cecutto, from Willis Towers Watson, Kunal Desai, from GIB Asset Management, Simon Brewer, from the Money Maze podcast, Stephen Yiu, from Blue Whale Capital, Stephanie Niven from Ninety One, and Ronald Chan, from Chartwell Capital. We think there's something powerful about walking across the proverbial aisle and we hope you enjoy these conversations as much as we did. Enjoy! NEW EPISODES: We release main series episodes every two weeks on Mondays. You can subscribe via Podbean or use this feed URL (https://tvpschroders.podbean.com/feed.xml) in Apple Podcasts, Spotify, Google Podcasts and other podcast players. GET IN TOUCH: send us a tweet: @TheValueTeam  Important information. This podcast is for investment professionals only. Marketing material for Financial Profesusionals and Professional Clients only.  The material is not intended to provide, and should not be relied on for, accounting, legal or tax advice, or investment recommendations.  Reliance should not be placed on any views or information in the material when taking individual investment and/or strategic decisions.  Past Performance is not a guide to future performance and may not be repeated.  Diversification cannot ensure profits or protect against loss of principal.  The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested.  Exchange rate changes may cause the value of investments to fall as well as rise.  Investing in emerging markets and securities with limited liquidity can expose investors to greater risk.  Private assets investments are only available to Qualified Investors, who are sophisticated enough to understand the risk associated with these investments.  This material may contain “forward-looking” information, such as forecasts or projections. Please note that any such information is not a guarantee of any future performance and there is no assurance that any forecast or projection will be realised.  Reliance should not be placed on any views or information in the material when taking individual investment and/or strategic decisions. The views and opinions contained herein are those of the individuals to whom they are attributed and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds.  Any reference to regions/ countries/ sectors/ stocks/ securities is for illustrative purposes only and not a recommendation to buy or sell any financial instruments or adopt a specific investment strategy. Any data has been sourced by us and is provided without any warranties of any kind. It should be independently verified before further publication or use. Third party data is owned or licenced by the data provider and may not be reproduced, extracted or used for any other purpose without the data provider's consent. Neither we, nor the data provider, will have any liability in connection with the third party data.  

In this episode of V-FM the pensions podcast, Darren and Nico chat to the legend that is David Porter. David is now an independent investment consultant who helps schemes and providers implement new approaches. As well as talking about what value for money means to David, we also chat Royal Mail CDC, CDC more generally and Willis Towers Watson arguing that DC is 'broken', deaths outnumbering births in the UK and the cost of a pint of beer! 

Can systems thinking help address the investment world's growing complexity? What capabilities do leaders need to create transformative change? In this episode of the All Angles podcast, Roger Urwin, Global Head of Investment Content at Willis Towers Watson, explores how a systems-based perspective could unlock new opportunities for the investment industry to adapt and thrive in the face of pressing global issues.   CHAPTERS (0:12) Roger's professional background and purpose (6:33) 3D investing, universal ownership and culture (11:38) Introduction to systems thinking (15:52) Applying systems thinking to the investment world (20:26) Leadership capabilities to embed systems theory into practice (25:40) Systemic stewardship as co-operation alongside competition (28:17) Lessons learned from integrating systems leadership (34:31) Collaborating to build better beta for the entire system   This material is intended for investment professional use only and not intended for retail investors. The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results. Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested. Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. 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MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments. South Africa - This document, and the information contained is not intended and does not constitute, a public offer of securities in South Africa and accordingly should not be construed as such. This document is not for general circulation to the public in South Africa. This document has not been approved by the Financial Sector Conduct Authority and neither MFS International (U.K.) Limited nor its funds are registered for public sale in South Africa. Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries.   MFS may incorporate environmental, social, or governance (ESG) factors into its investment decision making, fundamental investment analysis and engagement activities when communicating with issuers. The degree to which MFS incorporates ESG factors into its investment decision making, investment analysis and/or engagement activities will vary by strategy, product, and asset class, and may also vary over time, and will generally be determined based on MFS' opinion of the relevance and materiality of the specific ESG factors (which may differ from judgements or opinions of third parties, including investors). 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In this episode of HL Pensions NewsBeat, Hogan Lovells pensions Partner Claire Southern gives a recap of the last two weeks in the world of pensions, including a who's who of the ministers in Pensions and the new Government's plan for Pensions; Willis Towers Watson's finding on the new general code; and an insight into what Trustees are really worrying about.   To listen to more episode of HL Pensions NewsBeat, click here: HL Pensions NewsBeat: all episodes - Hogan Lovells Engage   To listen to episodes of our other podcast series, HL PensionsPod, click here: The HL PensionsPod - Hogan Lovells Engage   Follow us on LinkedIn here: https://www.linkedin.com/showcase/101861071/feed/posts/

Summary:This episode is a recording of panel discussion that took place during the recent NYCA event in which Sean Luitjens, General Manager of total rewards analytics at Visier, Jackie Rubin, Associate Director of talent and rewards at Willis Towers Watson, and K.C. Weinraub, VP of total rewards at eHealth, answer questions posed by our very own David Turetsky. In this episode, Sean, Jackie, and KC talk about the past, present, and future world of pay and tackling the new complexities of compensation planning.Chapters:[0:00 - 9:46] IntroductionWelcome, Sean, Jackie, and KC!Today's Topic: Tackling the New Complexities of Compensation Planning[9:47 - 17:30] In what surprising ways does pay affect compensation planning?Communication of compensation plans is increasingly becoming HR's scopeDeveloping a data strategy before rolling out an AI strategy[17:31 - 36:01] What pay decision issues are we anticipating for the rest of 2024?Developing managers as opposed to “knighting” managersHow employees weigh compensation vs. benefits when looking for a jobs[36:02 - 49:39] Predicting for changes in compensation planning in 2025Why it might make sense to revise compensation plans more frequentlyHow pay increases might change in the future[49:40 - 62:36] BONUS: What scares you about the future of pay?Legislation regarding exempt vs. non-exempt employees[62:37 - 63:28] ClosingThanks for listening!Quotes“We have to train our managers and our leaders on how to talk about [compensation plans] to the populations within our organizations.”“I think compensation planning will become more cyclical—three or four times a year. . . . I think that will help with the employee experience and with the manager experience.”Contact:Sean's LinkedInJackie's LinkedInKC's LinkedInDavid's LinkedInPodcast Manger: Karissa HarrisEmail us!Production by Affogato Media

In episode 153, Coffey talks with Brandon Jordan about the use of assessments in the employee selection and development process.They discuss the different types of employee assessments available in the market and when each might be appropriate; the right questions to ask assessment providers; types of assessments and what they measure; the potential risks of using only cognitive assessments; three kinds of assessment; how to measure the effectiveness of assessments post-hire; complying with the Uniform Guidelines on Employee Selection Procedures; and the potential for bias in artificial intelligence implementations during the hiring process.Good Morning, HR is brought to you by Imperative—Bulletproof Background Checks. For more information about our commitment to quality and excellent customer service, visit us at https://imperativeinfo.com. If you are an HRCI or SHRM-certified professional, this episode of Good Morning, HR has been pre-approved for half a recertification credit. To obtain the recertification information for this episode, visit https://goodmorninghr.com. About our Guest:Brandon is an organizational psychologist and scientist focused on the study of people, attitudes, emotions, and behavior in the workplace. As leader in talent management and organization development functions in practice, he is focused on using practical, applied research and analytics strategies to build data and evidence-based people practices, processes, and tools to strengthen organizations through their workforce. Brandon's deep areas of specialization and nearly 20 years of experience are primarily focused in employee assessment and employee engagement/experience measurement using psychometrics and people analytics methodology. His passion is to help businesses grow and develop through their people by helping employees 1) build their organization through hiring the right people, 2) the sustained development of the workforce, 3) and building better, high performing organizations through employee listening strategies. Brandon founded Workforce Lifecycle Analytics where he currently leads sales, analytics, and consulting and previously worked for Willis Towers Watson, IBM, Kenexa, and Batrus Hollweg International. Brandon completed his graduate training at the University of Tulsa where he received his M.A. in Industrial and Organizational Psychology and received his B.A. in Psychology from the University of North Texas. Brandon is also a member of the Society for Industrial and Organizational Psychology (SIOP), Society of Human Resource Management (SHRM), DallasHR (Dallas SHRM Chapter), as well as an active researcher in the academic community participating in conferences and studies contributing to scientific research.Brandon Jordan can be reached athttps://workforcelifecycle.com https://www.linkedin.com/in/brandonjordantalent About Mike Coffey:Mike Coffey is an entrepreneur, human resources professional, licensed private investigator, and HR consultant.In 1999, he founded Imperative, a background investigations firm helping risk-averse companies make well-informed decisions about the people they involve in their business.Today, Imperative serves hundreds of businesses across the US and, through its PFC Caregiver & Household Screening brand, many more private estates, family offices, and personal service agencies.Mike has been recognized as an Entrepreneur of Excellence and has twice been named HR Professional of the Year. Additionally, Imperative has been named the Texas Association of Business' small business of the year and is accredited by the Professional Background Screening Association. Mike is a member of the Fort Worth chapter of the Entrepreneurs' Organization and volunteers with the SHRM Texas State Council.Mike maintains his certification as a Senior Professional in Human Resources (SPHR) through the HR Certification Institute. He is also a SHRM Senior Certified Professional (SHRM-SCP).Mike lives in Fort Worth with his very patient wife. He practices yoga and maintains a keto diet, about both of which he will gladly tell you way more than you want to know.Learning Objectives:1. Understand the different types of employee assessments and their applicability.2. Understand the importance of validation when using assessments for use in the employment context.3. Evaluate the effectiveness of post-hiring assessments.

In this episode of the IMPACT= Podcast, we talk to Jane Goodland, Group Head of Sustainability at the London Stock Exchange Group (LSEG) - a cornerstone of global finance, providing a platform for businesses and economies to access capital, manage risk, and create jobs. In this role, Jane leads a team who work in partnership with a wide range of stakeholders across the business and externally, to embed LSEG's sustainability strategy across the full value chain including its own operations, supply chain, market engagement and customer solutions. Jane has over 25 years of experience in sustainable finance. Her extensive career has seen her at the forefront of the sustainable and responsible investment market, where she has been instrumental in designing and establishing new sustainable finance capabilities across various market segments. Prior to her role at LSEG, Jane served as the Corporate Affairs Director at Quilter, specializing in external communications, public affairs, responsible investment, and stakeholder engagement. Her tenure at Willis Towers Watson as the Global Head of Sustainable and Responsible Investment further solidified her expertise, where she developed new manager research capabilities and consulted on investment services for large institutional clients. In this conversation, we talk to Jane about her pivotal role in shaping the group's sustainability strategy on a global scale and making the most of London's position as global financial hub to drive sustainable practices and impact investment.

Anne Marie Towle is the CEO of Global Risk & Captive Solutions at Hylant. Since joining Hylant, Anne has grown the company's captive consultancy into a powerhouse, earning U.S. Captive Review's Captive Manager of the Year award. Prior to joining Hylant, Ms. Towle was an executive vice president with JLT and formerly a senior consultant with Willis Towers Watson for over seven years. In this episode, Anne shares her experience in the insurance industry, what a captive is, and when it makes sense to take on a captive based on company or property size.   Key Takeaways: A little bit about Anne and her role at Hylant. How did Anne discover the insurance industry? There are a lot of different launch paths when you join the insurance and captive field. When does it make sense to look for captive solutions? Anne shares what it's like pushing forward as a woman in a male-dominated industry. No matter where you are in your career, you should have your personal board of directors. Surround yourself with the people you enjoy spending time with, and grow together. Life is never perfectly balanced. You've got to walk the line a little bit between career growth and family. Anne likes to look at it year-by-year instead of day-by-day. Education is highly important throughout your career. You need to educate yourself along with educating your team on the latest methods/processes/technologies. There are a lot of captives overseas. Why is that? Where can a younger professional learn more about captives? What advice would Anne give to her younger self?   Mentioned in This Episode: Hylant.com Anne on LinkedIn Iccie.org  

The opportunities are vast. Hundreds and hundreds of companies with a physical presence here and the jobs to go with it. It's important that all Bermudians remember that we're not just competing within Bermuda and our small country, we're competing on a global scale”, says Kirsten.“We are an exceptionally well-educated island. It's critical there are opportunities for Bermudians. And that Bermudians can see themselves in the industry and see the example of other Bermudians. This is global level competition.”On the podcast this week, Kirsten tells how she's spent her entire 25-year career in Bermuda. With experience in broking and underwriting, Kirsten shares details of her double-headed role for Willis Towers Watson in Bermuda. “We have three teams in Bermuda, a Broking team, our Actuarial Consulting team and our Captives team. My geography leadership, I view it as accountability to them to make sure that we have the operations and the facilities, they need to run their businesses.The other hat I have, is leadership of our broking unit, the nuts and bolts on the insurance side.” Kirsten discusses the insurance ecosystem in Bermuda and states the only thing micro about the island is the geography. “There's a robust ecosystem that goes beyond just the underwriting roles or the broking roles. There are opportunities in actuarial captives, but there's also lawyers, accountants, marketing services that support this entire ecosystem and the Bermuda economy. Insurance and reinsurance and the supporting services are at the heart of it.”Kirsten shares WTW's future plans and working in the local Bermudian market, with its importance in the global marketplace. “We're in growth mode. We have new dynamic leadership in North America that's gotten us focused on growth and accountability. We're looking to reorganize ourselves along the industry focus that is core to how our clients manage and view their own risk. That really is at the core of our strategy. I find myself often having to translate Big Willis to Bermuda and translate Willis Bermuda to Big Willis as I call it. Our employment law isn't the same as in the US or UK. Our regulatory structures might not be exactly mirrored so that translation work can be time consuming.I really love that I've been given the platform to be able to do it. Having the seat at the table when you're little old Bermuda is exceptionally important because we are pretty core to being able to deliver on our promise and commitment to our clients.”Kirsten discusses her area of passion, something she battled with early on in her career. “It was hosting an underwriting meeting as a young underwriter. I was nervous. I had moments where I couldn't speak.For a confident, outspoken person not be able to use my voice because of the nervousness of being the center of attention in a speaking setting was a shock.“Me and a group of women got together. It started with a survey because, how many other women feel like this? And how do they grapple with it? We put out a survey to the market. Roughly 80% of women are nervous speakers. 80% of them avoid speaking as a result. Think of all that subject matter expertise that is lost because of nerves.” To combat this issue, Kirsten was involved in setting up ‘We Speak' to help women and teens in Bermuda to learn the value of public speaking and project their voices. “We are not insurance or reinsurance specific; we help develop their voice in whatever sphere is necessary for them. It could be giving a TED talk for one person, but for another, maybe someone more like me, it's just being able to host an underwriting meeting and ask your questions without going red in the face. It's meeting people where they are. We have a coaching approach, where we have one coach for every five women. It's an exceptionally

Get ready for an inspiring episode on The Forbes Books Podcast as Joe welcomes Mary Cianni, author of "The Consultant's Compass: Navigating Success with Courage, Curiosity, and Compassion." With a rich background as a clinical Assistant Professor at New York University and senior leadership roles at Korn Ferry and Willis Towers Watson, Mary brings unparalleled expertise in organizational consulting and change management. Her new book promises a transformative framework for success, blending courage, curiosity, and compassion. In this engaging conversation, Mary shares her insights on navigating the complexities of modern business, drawing from her extensive experience in mergers & acquisitions, change implementation, and thought leadership. Join us for a journey into Mary Cianni's world, where her wisdom and passion illuminate the path to growth and excellence. About Mary Cianni: Mary is a Clinical Assistant Professor in the MS Executive Coaching & Organization Consulting (ECOC) program at New York University, accountable for the design and delivery of the consulting elements of the program. She joined the NYU faculty from Korn Ferry where she was a Senior Client Partner and Global Leader of the Integrated Transformation Solutions. Previously, Mary spent 18 years at Willis Towers Watson serving in a variety of leadership roles including Global Leader, Mergers & Acquisitions and Northeast Leader, Change Implementation. In her consulting roles, Mary worked with clients across industries on transforming their cultures and workplaces. She spent time in the corporate world as a senior consultant at a financial services company and as Global Head, HR for a specialty pharmaceutical company. Prior to beginning her consulting career, Mary was a tenured Associate Professor of Management at the Sigmund Weis School of Business, Susquehanna University. She launched the Mentor Program for women students and was a founding member of the Women Studies Program. She now serves as a Trustee on Susquehanna's Board of Directors. Mary publishes articles on a range of HR topics including diversity & inclusion in professional and peer-reviewed journals. She is the lead author of two chapters in Making Mergers Work. In March 2024, her book The Consultant's compass: Navigating success with courage, curiosity and compassion will be published by Forbes Books. Mary has been featured in a variety of media outlets and is a frequent guest speaker and panelist at professional conferences. She holds a PhD in Psychology from Penn State University.

Forty-five percent of Canadian business owners experienced mental health challenges in early 2023, up from 38 percent in February 2022, according to a May survey by the Business Development Bank of Canada. According to a recent study by Willis Towers Watson, nearly half (45 percent) of US workers report having experienced mental illness in their lifetime. Over three-quarters (76 percent) say they have experienced emotional distress due to work pressures in the last 12 months. And more than half (51 percent) say their emotional pain was severe enough to impact their ability to do their job well. In addition, recent data from the Bureau of Labor Statistics (BLS) shows that over one-third (36%) of US workers are experiencing symptoms related to depression or anxiety on any given day. The impact of poor mental health in the workplace may be evident with signs such as High turnover rate, Employees who frequently call out sick, Teams struggling to meet targets, and Evidence of stress or burnout in employees, according to the UC Berkeley Executive Education.   As a small business owner, visionary leader, father, and husband, Scott Burgett has experienced an extraordinarily personal and profound journey with his mental health within the last year and 1/2.  Dealing with his health scare, dealing with blood clots, and fearing his life was going to end, Scott, the CEO of Evolution Vegan Academy, took some time this week to share his natural, raw, and emotional journey with his mental health with me.  He also shares why he thinks men should be more forthcoming with their mental health journey, successes, and failures so we can all learn and grow together.  He also shares how he continues to work towards excellence as a father, husband, and individual.   Facebook: @ScottBurgett Instagram: @coachscottyb_

I'm Zack Fuss. Today we're breaking down Arthur J. Gallagher, a global insurance brokerage. AJG was established in 1927 by Arthur James Gallagher and is now one of the largest insurance brokerages by revenue, exceeding $10 billion. AJG competes with the likes of Marsh McLennan, Aon, and Willis Towers Watson.  To break down Gallagher, I am joined by Mike Hayward, a portfolio manager at WCM Asset Management. During this conversation, we discussed the company's successful acquisition strategy, the strength of the insurance brokerage industry, and how the shifting industry dynamics will impact the durability of its competitive advantage. Please enjoy this breakdown of A. J. Gallagher. For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. ----- This episode is brought to you by 10 East. 10 East is a platform where qualified investors can co-invest on a deal-by-deal basis across private equity, private credit, real estate ventures, and other one-off opportunities typically unavailable through traditional channels. It's no surprise that founders, executives, and portfolio managers from leading investment firms are using 10 East to diversify their personal portfolios. Their level of sourcing and diligence is institutional grade. To learn more, check out 10east.com. ----- Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @JoinColossus | @patrick_oshag | @zbfuss | @ReustleMatt | @domcooke Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes: [00:00:00] First question - What AJG is and what they do  [00:03:28] Value chain and key components of the insurance industry  [00:06:03] Gallagher's business segments and specialty  [00:08:58] Their defensibility and competitive edge [00:13:22] Stickiness and noteworthy retention rates [00:17:06] Why the market undervalues their stickiness  [00:19:19] Their acquisition strategy and its role in ongoing, consistent growth   [00:25:20] What ‘The Gallagher Way' really means and company history  [00:29:52] Overview of the financial model and structure [00:34:09] Potential risks to Gallagher's continued success  [00:39:21] Industry regulation and how they can affect the business  [00:42:46] Lessons for investors and operators Learn more about your ad choices. Visit megaphone.fm/adchoices

Joanna Hagelberger is currently the Vice President of Customer Success at Rhoads Online, a technology provider of compliance solutions to the insurance industry. Her entire professional career has been in the insurance industry with the last 20 years in insurtech. Joanna is passionate about the customer experience, particularly the benefit a strong account management program can bring to an organization and its customers.  In her current role, Joanna is responsible for ensuring customers and prospects are having the best possible experience with Rhoads. Joanna received her BS and MS in Communication from Florida State University, she is a licenced insurance agent in the state of Michigan and she is a certified Executive Coach.    Questions • Could you share with our listeners a little bit about your journey? How it is that you got from where you were to where you are today? • Can you tell our listeners a little bit about Rhoads Online? What is Rhoads Online? And what value do they bring to their customer base? • Could you tell us maybe three things you've seen as recurring themes that come across being more proactive than reactive in the space that you operate in to ensure that you're able to maximize on customer success? • What are maybe one or two things that you believe as an organisation, especially in the insurance industry, specifically, you would need to be focusing on to ensure that you're setting yourself apart and truly giving the customer more than they expect, and kind of living to what you were saying, trying to predict their needs before they know they even need it. • Could you share with our listeners, what's the one online tool, app or website that you absolutely can't live without in your business? • Could you also share with our listeners, any books that you've read, it could be a book that you've read recently, or even one you read a very long time ago, but it has had a great impact on you. • Now Joanna, can you also share with us what's the one thing that's going on in your life right now that you're really excited about? Either something you're working on to develop yourself or your people. • Where can listeners find you online? • Before we wrap our episodes up, we always like to ask our guests, do you have a quote or saying that during times of adversity or challenge, you will tend to revert to this quote if for any reason you get derailed or you get off track? This quote kind of helps you to get back on track. Do you have one of those? Highlights Joanna's Journey Me: Could you share with our listeners a little bit about your journey? How it is that you got from where you were to where you are today?   Joanna shared that she can tell you that no one as a little girl dreams or as a kid dreams someday I'm going to be working in insurance. So, most people decided, stumble into it somewhere along the way. And hers was a work study position when she was in college as a part of her financial aid, she was given a job working in the Employee Benefits Office at Florida State. And that ended up taking her into their insurance office where they administered their insurance, how their employees got insurance. So, when she got out of grad school, and was looking for a job, she had this insurance knowledge of how the insurance space worked and that landed her with a position of a company that is today known as Willis Towers Watson. It was well as Willis at the time and became just Willis last year, and Madonna. And now has added new names again. So, that has taken her down a path, she's worked for insurance brokers, insurance agencies, insurance companies, third party administrators, she's been on all different sides of the business.  And about 20 years ago, she had the opportunity to jump to the other side of the business, and work in insurance technology, where insurance historically has been a very paper based, manual, difficult industry where everything is delivered by paper, every form is completed with pen and paper. And this company was working to build automation with insurance producers, the people that actually sell the insurance, the insurance agencies and the insurance companies, and how they communicate with the State Departments of Insurance. And that's pretty much how she ended up where she is today, just have grown over time.   What is Rhoads Online? Me: Can you tell our listeners a little bit about Rhoads Online? What is Rhoads Online? And what value do they bring to their customer base?   Joanna shared that just as she said that that insurtech that she went to 20 years ago, Rhoads is in that same space. So, what they do is help insurance companies and agencies predominantly connect those insurance producers, the people that are selling insurance, get them contracted, and make sure that they are appropriately licensed and credentialed to sell the insurance that they're selling before they do. Because if an individual sells a policy and they are not properly credentialed, they don't have all of the licenses contracts, and the insurance company hasn't told the state that that person is selling for them, then the insurance company gets in trouble. So, making that all of those ducks are in a row and everything is in order, it keeps the insurance company off the front page of the Wall Street Journal and allows them to sell compliantly and make sure that the consumer is protected when they do it.   Being Proactive Than Reactive to Ensure You Maximize on Customer Success  Me: Now, a big part of what you do is customer success. And of course, that's typically ensuring that the client is getting exactly what they want and desire. Not sure if this is a call that you made, or it's just something that you live by as a mantra, but it states, “You can't just be reactive, you have to be proactive, predicting their needs before they even realize it.” So, could you tell us maybe three things you've seen as recurring themes that come across being more proactive than reactive in the space that you operate in to ensure that you're able to maximize on customer success?   Joanna shared that she thinks this is in any industry, it's not specific to what she does. But customer service to her is something that is tactical and reactive. If you think about customer service, and customer service is something we all interact with, probably with a little bit of dread and we hope that it's a good experience that we're opening a Chatbot or we're sending in an email or opening a ticket, or calling an 800 number. And we hope that for whatever reason we're calling that number that whatever the issue is, is resolved. We want it to be resolved quickly and painlessly and to whatever satisfaction we hoped it would be.   And again, it's very reactive, it is in response to whatever I as the consumer is bringing forward to that company, or as the customer, if it's B2B or B2C, it doesn't matter, customer service is about fixing that one little thing that the person calling in has announced needs fixing. Where customers success to her is, is the opposite of that. It isn't reactive, and it isn't tactical. The important thing is that we're being proactive, that we're getting in front of the customer, and being intentional about having strategic conversations. Because as the company is moving forward, and as they're growing, they want to make sure that that path forward and that growth is aligned with the path forward and the growth of their customers.  If their development team builds a brand new piece of functionality, and no one uses it, then that has been a waste of time of their development team number one, but also the opportunity costs that's lost, because they didn't build something that their customers would have really liked, what they would have used and what they would have needed. So, it is all about being proactive, and being strategic. And what she means by strategic is simply looking further ahead. It's not what's happening in the moment right now, it's where are we going together and making sure that those things stay aligned as they continue to move forward.  Because what her goals are and what she's trying to accomplish in six months, a year, three years, five years, those are going to keep changing as time moves forward. So, making sure that they keep having those conversations, leaving those lines of communication open, sharing what's going on in the industry, and what's going on in their customers' business, as well as what's going on in her business, that's how they all move forward and stay aligned.   Organization Setting Themselves Apart and Giving Customers More Than They Expect Me: Now, you've been an insurance for over two decades, Joanna, and I'm sure you've seen lots of ups and downs, hills and gullies kind of thing. But in your own experience, especially as we're moving forward embarking on a new calendar year, what are maybe one or two things that you believe as an organization, especially in the insurance industry, specifically, you would need to be focusing on to ensure that you're setting yourself apart and truly giving the customer more than they expect, and kind of living to what you were saying, trying to predict their needs before they know they even need it.   Joanna stated that she really thinks the big thing, especially in the insurance industry, is that the Googles and Amazons of the world have set an expectation for across all industries, that technology is easy to use that “I should be able to get the answers to my questions with the click of a button and with the phone that's in my hand, I shouldn't have to go to the horror, a real computer, I should be able to from a mobile device, be able to do anything that I should need to be able to do with any business partner of mine from my phone.” So, she really thinks that that expectation is where the insurance industry needs to focus.  There's so much talk about AI and Blockchain and Chatbots and all of the magical technology that's out there. But if we can't meet the basic table stakes of being able to get a quote for insurance from her phone, then that insurance company will not be able to succeed. If she is standing on the side of the road and I live in Michigan in certain times of the year and they hit deer, it happens and if she's on the side of the road because she's just hit a deer or had any kind of an accident. If she can't pull out her phone and initiate that claim from her phone, she's not going to stay with that insurance company because they haven't met her need when she needed them. So, being able to meet those basic needs from core technology is where the insurance industry needs to focus right now.    App, Website or Tool that Joanna Absolutely Can't Live Without in Her Business When asked about an online resource that she cannot live without in her business, Joanna shared that she has a couple. Because of what she does, the CRM that they use, that's how she keeps her pulse on what's going on in their business. So, they happen to use Salesforce. But she's used HubSpot in the past, and there are other great CRMs out there. But the most important thing is having one central repository to be able to see everything that's going on to the lifecycle of your customer. If you're working in customer experience and you can't see what's going on with your customers, and you're trying to use an Excel spreadsheet or some other form of technology, there's just no way to get that 360 degree view. But personally, within customer success, there is an amazing website called kapta.com. And kapta.com is a technology that integrates with your CRM, not what she's endorsing here, she's sure it's great, but she's not actually used that technology, but the number of resources that Kapta has on their website to help people that work in key account management, whatever form of that that is you work in, they have so many resources available to help account managers be successful with their customers, and to help organisations and leaders know how to help their account managers be successful. So, Kapta is amazing.  And then specifically in her industry, insurtech Connect, ITC has a six things newsletter that is just incredible. It keeps you informed of everything that could be going on in the insurance industry that has anything to do with technology. And it's an interesting read for anyone.   Books that Have Had the Biggest Impact on Joanna When asked about books that have had a great impact her, Joanna shared that there are two that she finds herself going back to over and over and over again. And the first one is Start with Why: How Great Leaders Inspire Everyone to Take Action by Simon Sinek, it helps from an organizational perspective, as well as on an individual perspective. Whether you're working with customers, with employees, “Knowing the Why of why you do what you do.”  And a common theme in her world is, it's not about you. It's not about her, it's not about what she's doing. It's about the customer, and it's about the employee and why they do what they do. And if we can be other focus and know why people are motivated to do the things that they do. And to know what our Why is and why we get up each morning and why we're helping our customers and why these things matter. She's listened to Simon's podcast, and it's just brilliant. And that all started with Start with Why for her. The second one is a book called Unleashed: The Unapologetic Leader's Guide to Empowering Everyone Around You, it's by Anne Morriss and Frances Frei. And it's all about empowerment, and when you're working in account management or customer success or customer service, this is a tough job, it's a tough job where the people in this space spend a lot of time getting yelled at oftentimes, and they're trying to make the customer's world a better place. And when you can come from a perspective of empowering those people to be successful, to have the ability to make the decisions that makes the customer's world a better place, it's better for the customer, it's better for the company, and it's better for the human that gets to make those decisions. If they sit there all day every day saying, “I'm sorry, I don't know. But I'll check on that and get back to you.” That's a very difficult space to be in. So, being able to empower people is their greatest version of themselves, it's really powerful and it's really a game changer.   What Joanna is Really Excited About Now! When asked about something she's really excited about, Joanna shared that this year, she got the opportunity to spend some time really diving into the Enneagram. And if the listeners aren't familiar with the Enneagram, it's a personality assessment type of profile that looks at why people behave the way that they do. So, Enneagram have types, you do an assessment, it gives you a direction on what your type may be. And then you do some more homework and you confirm that that is your type.  And Beatrice Chestnut, wrote a book called The Complete Enneagram: 27 Paths to Greater Self-Knowledge. And she's really had the opportunity to pour into that and what she loves about it is it doesn't matter what part of your life you're looking at, whether it's about your employees, your boss, your co-worker, any other co-workers, your spouse, your kids, family members, customers, it doesn't matter, being able to get insight into what charges people up, what gets them to behave the way that they do. And then when they're doing well, why you might see some other characteristics where when they're feeling stressed, or things are difficult, you can look for other traits that might come in. It has been incredibly insightful, and she feels like reading Beatrice's book has been a college level course on this. But the amount of insight that it's given into people. And then the other thing that is maybe a little bit more approachable to people rather than reading a giant textbook is Ian Cron has a podcast called Typology that is just fascinating, where he talks to people with different Enneagram types, and about how they interact with the world. And it's just fascinating and it's been so much fun to learn this year.   Where Can We Find Joanna Online LinkedIn – Joanna-Hagelberger Website – www.rhoadsonline.com   Quote or Saying that During Times of Adversity Joanna Uses  When asked about a quote or saying that she tends to revert to, Joanna shared that she does have, Maya Angelou, which she's sure many of our guests have quoted, because she's very quotable. This is how she hears it in her head is that, “People will forget what you said and did but people will never forget how you made them feel.” And she feels like when we're dealing, this is all about customer experience. And if we can just remember that how we make our customers feel and how they experience us makes all the difference in the world.    Me: Amazing. Thank you so much, Joanna, for taking time out of your very busy schedule, and hopping on this podcast with us today and sharing all of the great insights that you've learned and just best practices that you've taken on as an individual as a customer service practitioner in your own right, especially in your industry. And just looking at some opportunities that we can strengthen, building out our customer success teams and actually giving customers as you had stated earlier, giving them what they need before they even know that they need it and I thought that was really brilliant. So, thank you so much again.    Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest   Links •     Start with Why: How Great Leaders Inspire Everyone to Take Action by Simon Sinek •     Unleashed: The Unapologetic Leader's Guide to Empowering Everyone Around You by Anne Morriss and Frances Frei •     The Complete Enneagram: 27 Paths to Greater Self-Knowledge by Beatrice Chestnut    The ABC's of a Fantastic Customer Experience   Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners  Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.” The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience!

In today's episode of Career Crossroads we are joined by Teena Alimchandhani, a Communications & Change Management Consultant at Willis Towers Watson.Teena provides valuable insights into this exciting career path, covering a range of topics including: - What consulting entails, and why she chose consulting as a career- The essential skills needed to excel in this field- What Teena likes and dislikes about consulting, and an honest insight into the profession- Teena's personal definition of success as a change management consultant- Valuable advice on how to break into the industry, both as a graduate and an experienced hireThis episode is part of the Career Crossroads sub-series where we delve into all things careers and career change, bringing to light what people actually do day to day in their roles, what skills you need, how to break into the industry at a later stage, salaries, long term prospects, and lots more.

WANT THE FULL EPISODE? Search Ep.106 I Ward Andrews I Deciding to Foster Creative Leadership: Fueling High Performance in Creative Workspaces, or download it directly using this link. Ward Andrews shares how he fosters creative leadership, driving high performance in today's dynamic workspaces. KEY TOPICS Creating and maintaining a clear vision with your team.Allowing employees to fail but expecting them to succeed at the highest standard.Leading creative people to be high-performing without killing their creative spirit.Identifying the default settings of our life and business that aren't serving us and how to change that. MENTIONED IN THIS EPISODESensoria Project CONNECT WITH USwww.decidedlypodcast.com Join us on Instagram: @decidedlypodcast Join us on FacebookShawn's Instagram: @shawn_d_smith Sanger's Instagram: @sangersmith MAKING A FINANCIAL DECISION?At Decidedly Wealth Management, we focus on decision-making as the foundational element of success, in our effort to empower families to purposefully apply their wealth to fulfill their values and build a thriving legacy. LEARN MOREwww.decidedlywealth.comSUBSCRIBE TO OUR WEEKLY DECISION-MAKING TIP EMAIL Join us every Wednesday for more strategies to DEFEAT bad decision-making - one episode at a time! CONNECT WITH WARD ANDREWSWebsites: https://wardandrews.com/ // www.drawbackwards.comThe Create Forward Podcast: https://wardandrews.com/create-forward Instagram: @wardandrews // @createforwardshow LinkedIn: https://www.linkedin.com/in/wardandrews/ Facebook: https://www.facebook.com/createforwardshow/ YouTube: https://www.youtube.com/@createforward TikTok: https://www.tiktok.com/@createforwardshow Twitter: https://twitter.com/wardandrews Ward Andrews is a champion of creativity and innovation through business leadership, higher education and his weekly podcast, Create Forward. As CEO and Design Director at Drawbackwards, he has worked with hundreds of the world's biggest brands for over twenty years including: American Express, Choice Hotels, Blue Cross Blue Shield, Sony, Intel, General Dynamics, Insomniac Games, GoDaddy and Willis Towers Watson. His brand and design projects have garnered Addy, Prisma and Emmy awards. You've seen Ward's work on ESPN, TNT, New York Times, and Sports Illustrated. Celebrating it's 20th anniversary in 2023, Drawbackwards has created software and marketing products and platforms that have created billions in value for clients and created meaningful experiences for millions of customers. For the past decade, Ward has been part of the Honors Faculty at The Design School at Arizona State University teaching creativity, design thinking, and entrepreneurship.

Ward Andrews shares how he fosters creative leadership, driving high performance in today's dynamic workspaces. KEY TOPICS Creating and maintaining a clear vision with your team.Allowing employees to fail but expecting them to succeed at the highest standard.Leading creative people to be high-performing without killing their creative spirit.Identifying the default settings of our life and business that aren't serving us and how to change that. MENTIONED IN THIS EPISODESensoria Project CONNECT WITH USwww.decidedlypodcast.com Join us on Instagram: @decidedlypodcast Join us on FacebookShawn's Instagram: @shawn_d_smith Sanger's Instagram: @sangersmith MAKING A FINANCIAL DECISION?At Decidedly Wealth Management, we focus on decision-making as the foundational element of success, in our effort to empower families to purposefully apply their wealth to fulfill their values and build a thriving legacy. LEARN MOREwww.decidedlywealth.comSUBSCRIBE TO OUR WEEKLY DECISION-MAKING TIP EMAIL Join us every Wednesday for more strategies to DEFEAT bad decision-making - one episode at a time! CONNECT WITH WARD ANDREWSWebsites: https://wardandrews.com/ // www.drawbackwards.comThe Create Forward Podcast: https://wardandrews.com/create-forward Instagram: @wardandrews // @createforwardshow LinkedIn: https://www.linkedin.com/in/wardandrews/ Facebook: https://www.facebook.com/createforwardshow/ YouTube: https://www.youtube.com/@createforward TikTok: https://www.tiktok.com/@createforwardshow Twitter: https://twitter.com/wardandrews Ward Andrews is a champion of creativity and innovation through business leadership, higher education and his weekly podcast, Create Forward. As CEO and Design Director at Drawbackwards, he has worked with hundreds of the world's biggest brands for over twenty years including: American Express, Choice Hotels, Blue Cross Blue Shield, Sony, Intel, General Dynamics, Insomniac Games, GoDaddy and Willis Towers Watson. His brand and design projects have garnered Addy, Prisma and Emmy awards. You've seen Ward's work on ESPN, TNT, New York Times, and Sports Illustrated. Celebrating it's 20th anniversary in 2023, Drawbackwards has created software and marketing products and platforms that have created billions in value for clients and created meaningful experiences for millions of customers. For the past decade, Ward has been part of the Honors Faculty at The Design School at Arizona State University teaching creativity, design thinking, and entrepreneurship.

In this episode of IC Interviews, Dave Baxter hosts Craig Baker. As the global chief investment officer of Willis Towers Watson, the firm that chairs the investment committee of Alliance Trust, Craig is closely involved in the company's investment philosophy and process.The pair discuss the importance of spotting style drift in funds, the development of the trust in recent years, the benefit of the multi-manager approach and more. Hosted on Acast. See acast.com/privacy for more information.

Few subjects have been more fertile for the writer's mind than space with its infinite mysteries and fascinations. With the commercial business of space forming, writers have started to shape stories of the people and potential which make it, yet again, the subject of fascination. As the dreams of fortunes and adventure again capture the creative mind, what are authors writing about and what do they have to say about our space barons and fictional characters with space as the background? In this podcast, based on the August 2023 edition of the New York Space Business Roundtable, you'll hear from writers of new books from across the spectrum about their books and their opinions! Our guests include: Christian Davenport, Washington Post reporter and author of The Space Barons: Jeff Bezos, Elon Musk and the Quest to Colonize the Cosmos Tim Fernholz, Sr. Report, Quartz.com, author of Rocket Billionaires Rob Scheige, Vice President, Willis Towers Watson, author of The Ubiquitous They

Welcome to the "Secrets of #Fail," a new pod storm series hosted by Matt Brown. In this series of 2023, Matt dives deep into the world of failures and lessons learned along the way from high-net-worth individuals.  Join Matt as he dives into the world of failures and lessons.Series: Secret of #FailJohn joined Risk Strategies as President in 2017 and was promoted to CEO in 2019.  He is an energetic and hands-on leader that places a high focus on execution, candor, and client relationships.John has overall responsibility for the mission, vision, strategy, and overall day-to-day operations of the company, focused on revenue growth, organic and M&A, as well as client retention. His deep industry experience and energetic leadership are fueled by 25+ years at Willis Towers Watson and Marsh.Get an interview on the Matt Brown Show: www.mattbrownshow.comSupport the show

In a lawsuit that has shed light on the risks associated with self-funded healthcare plans, Kraft Heinz has accused Aetna and Willis Towers Watson of failing to act in a fiduciary capacity and protect them from overcharging for inpatient open heart surgery. Fraud, Waste, and Abuse (FWA) is an ever-present issue in the healthcare industry, and Slingshot Bills can help detect it. As employers look for attractive options to insurance for their employees, it is essential that they are aware of their rights and make sure their insurance companies are acting in their best interests. Not only does this ensure that employees are getting the most out of their healthcare plans, but it also safeguards employers from overspending and ultimately getting taken advantage of.Episode Outline:(00:00:02) Kraft Heinz Lawsuit(00:03:58) Carrier Fraud Incentives(00:08:13) Kraft Heinz Lawsuit(00:12:36) Fraud, Waste, and Abuse(00:16:47) Self-Funded PlansQuotes:(00:03:41) If they're looking to make an example, if they're looking to be the face of other employers, mostly smaller employers, who are struggling even more with this than they are, who don't have the sophistication to understand they're getting screwed, nor the resources to do anything about it, even if they did, then we have a shot.(00:07:32) But think about this dynamic even more. If they allow fraud, waste and abuse, that means the hospital is getting more money, which is keeping the hospitals happy.(00:11:45) If you are acting as one, then you are one. And if you agree to be held to the same standards of care, then you have to be held to the same standards of punishment when it doesn't occur.(00:16:31) We don't give our plan partners enough credibility, but yeah, we've partnered with some fantastic people and organizations in the industry.(00:17:26) Don't, uh, don't get yourself up in a lawsuit, but sue when your employees are being taken advantage of and that's what they're doing.Social Post:Are you tired of the same old healthcare conversations? Tune in to the Healthcare Hangover podcast with David Contorno and Emma Fox to hear a fresh take on the healthcare industry. From discussing the multi-layer problems of lawsuits against Aetna to the incentives for fraud, waste, and abuse, you won't want to miss this episode! #HealthcareHangover #Aetna #Fraud #Waste #AbuseAre you tired of being taken advantage of by healthcare providers? Tune into the latest episode of The Healthcare Hangover to learn how employers and brokers can help protect you from medical billing errors. 97% of hospital bills have errors, and we'll discuss the responsibility of Willis Towers Watson and how they could have prevented Kraft Hines from meeting their fiduciary responsibility. Don't miss out on this important conversation! #HealthcareHangover #MedicalBillingErrors #FiduciaryResponsibilityAre you curious about how to save money on healthcare costs? Tune into the latest episode of The Healthcare Hangover podcast to learn how Kraft Heinz is trying to get paid and how you can audit your own healthcare plan for fraud, waste, and abuse. David Contorno and Emma Fox discuss how to lower the severity and frequency of claims and how to save double digits on healthcare costs. Don't miss out on this valuable information! #TheHealthcareHangover #HealthcareCosts #FraudWasteAndAbuseBlog Post:Kraft Heinz is currently in the midst of a lawsuit filed against their insurance company, Aetna, for not acting in a fiduciary capacity. This is a complex situation that has been in the news recently, and it is important to understand the implications of the lawsuit for employers and healthcare consumers. David Contorno and Emma Fox plan to write to Kraft Heinz and convince them to let David give expert testimony before the trial begins. They have done an analysis of their clients' fraud, waste and abuse percentages, and they have found that on average, 10% of total spend in a plan is fraud, waste and abuse, and their average fraud, waste and abuse was 0.8% of spend. This is an order of magnitude of about 92% better or less than the average plan. The average error in billing results in a $2,000 overpayment per error, while their plan was $180 per error.Aetna is responsible for acting as a fiduciary for their clients, even though the client is self-funded. Carriers look for improper claims and identify fraudulent, wasteful, and inaccurate claims. When carriers find an overpayment or a claim that shouldn't have been paid, they pay themselves a finder's fee and only give the employer a portion of what they recover. Hospitals have more leverage over carriers than brokers or employers do, and certainly more than patients do. Carriers don't want to hassle the hospitals and don't want to have to ask for money back, so they have audit restrictions. Most provider contracts at the hospital level have audit prohibitions. Pediatricians have to put more information on a claim form for a Strep test than a hospital has to put for a weeklong. Kraft Heinz is claiming that Aetna engaged in fraud or concealment to prevent and interfere with Kraft Heinz's efforts to investigate and understand Aetna's conduct. They were looking for a big claims dump to see what was being billed, what was being allowed, and if it was in line with the terms that they're supposed to be. Every decision that's made in a company's 401k must be for the benefit of the participants and must not allow the employer or other participants to abuse the plan. Kraft Heinz is looking to make an example and be the face of other employers, mostly smaller employers, who are struggling even more with this than they are. Willis Towers Watson is mentioned in the complaint, but they are neither the defendant nor the plaintiff. Willis Towers Watson did not have a fiduciary responsibility but could have prevented Kraft Hines from meeting their fiduciary responsibility. The Administrative Services Agreement between Kraft and Aetna stated that Aetna would discharge their obligations with the level of reasonable care which a similarly situated service provider or plan administrator under ERISA as applicable, would exercise under similar circumstances in connection with fiduciary powers and duties. Aetna agreed to observe the standard of care and diligence required of a fiduciary under ERISA section 404 AIB. The outcome of the lawsuit will depend on who is driving it at Kraft Heinz and how much they know about what's going on, as well as their motivation in doing it. Kraft cannot have a Kraft employee on the jury due to a conflict of interest. Employers should be running checks and balances to ensure their employees are not taken advantage of. David and Emma suggest using Slingshot Bills to analyze self-funded plans.Empowered has been tackling healthcare for five years and has found a sweet spot in what works and what doesn't. 97% of hospital bills have errors, which are always in favor of the provider. Healthcare can be complicated and there is always a hangover. Employers should take the time to thoroughly understand their healthcare plan and make sure that they are not taking advantage of their employees. This episode of the podcast provided helpful insight into the complexities of healthcare and the importance of staying informed.Episode LinksConnect with Emma FoxWebsiteEmma's WebsiteConnect with David ContornoLinkedInWebsiteOther MaterialsThese materials help you promote your podcast. Quotes can be used for audio & video grams or quote cards. Blog and social posts will help your website and social media presence.

Clay Finck chats with Tony Coniaris about the investment process and philosophies at Oakmark, Netflix as a value investment, Netflix stock valuation, and much more!IN THIS EPISODE, YOU'LL LEARN: 00:00 - Intro01:50 - Oakmark's criteria for a quality value investment.07:44 - What it means to have a bottoms up investment approach rather than a top down approach.11:39 - Why Netflix qualifies as a value investment for Oakmark.15:30 - Tony's thoughts on the volatility of the stock's price action.18:13 - How Tony thinks about valuing Netflix.30:20 - Tony's thoughts on a recent addition to Oakmark's holdings - Willis Towers Watson.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.BOOKS AND RESOURCESCheck out the Oakmark Funds.See Oakmark's Commentary.Related episode: Listen to MI138: Fiserv Deep Dive w/ Bill Nygren & Mike Nicolas, or watch the video.Related episode: Listen to TIP430: From Facebook to Meta and Beyond w/ Bill Nygren, or watch the video.Get a FREE audiobook from Audible.NEW TO THE SHOW?Check out our Millennial Investing Starter Packs.Browse through all our episodes (complete with transcripts) here.Try Robert's favorite tool for picking stock winners and managing our portfolios: TIP Finance.Enjoy exclusive perks from our favorite Apps and Services.Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets.Learn how to better start, manage, and grow your business with the best business podcasts.P.S The Investor's Podcast Network is excited to launch a subreddit devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit r/TheInvestorsPodcast today!SPONSORSGet a FREE audiobook from Audible.RentSavvy is the first and only nationwide service for filling your rental property with a quality tenant for one flat fee. Register your rental property for free at RentSavvy.co now, to take advantage of this tenant placement service for your next vacancy.Learn from the world's best minds - anytime, anywhere, and at your own pace with Masterclass. Get 15% off an annual membership today.Your home might be worth more than you think. Earn extra money today with Airbnb.Make investing in Short Term Rentals aka Air-BNBs simple, passive, and profitable with Techvestor. Listeners of Millennial Investing get better terms by just mentioning "Millennial Investing!" Sign up and book your call with their Investor Relations Team to get started today.Have the visibility and control you need to make better decisions faster with NetSuite's cloud financial system. Plus, take advantage of their unprecedented financing offer today - defer payments of a full NetSuite implementation. That's no payment and no interest for six months!Support our free podcast by supporting our sponsors.Connect with Oakmark: Website | Twitter Connect with Clay: Twitter See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I am delighted to be speaking today with Mary O'Connor, CEO of Howden CAP part of Howden, the global insurance group. She was most recently the acting CEO for KPMG in the UK. Mary has 30 years of experience in leading & advising financial services companies. She has held senior roles in law, government, public corporations and a Big 4 accounting firm.   Prior to KPMG, Mary held a number of executive and Board roles at Willis Towers Watson (now, WTW), where she was widely recognised as one of the most influential leaders in the industry.  In the United States, Mary served as an Assistant United States Attorney in Washington, DC, where she tried more than 100 criminal cases. She is a former co-Chair of Women Corporate Directors, a member of the C200 and a former Director of the Charity Bank.

Tune in Listeners!  We have a special episode today of our Research Insights Podcast.  The SOA is a proud member of the International Actuarial Association and today's podcast is the product of a collaboration with the IAA's Pandemics Task Force.  Hear Matthew Edwards, Senior Director at Willis Towers Watson, an actuary, and during the pandemic Chair of the UK's Continuous Mortality Investigation, talk about COVID-19 data and modeling. For more research on COVID-19 see:  https://www.soa.org/resources/research-reports/2020/impact-coronavirus/ 

Storytelling is one of the most powerful ways you can elevate your thought leadership. It can create an emotional connection, convey the need for change, or provide a vision of the future. In this episode, we collect advice from our experts on the various ways a thought leader can utilize the storytelling skill to elevate their content. Adam Zuckerman is Product Leader, Employee Engagement Software at Willis Towers Watson. Adam shares how his personal approach of sharing experiences in storytelling can help connect the research and data you provide with your audience in meaningful ways. Mary Cronin is a Research Professor at the Carroll School of Management, Boston College. She teaches about entrepreneurship, and explains to us how storytelling is a vital component of the success of both thought leaders and startups. At the time of publication, Michelle Mellon was the Thought Leadership Director of SalientMG. She is also a published fiction author.  Michelle takes her experience writing stories and applies those same principles to writing thought leadership explaining how the fundamentals of storytelling need to be followed, as well as how they can be broken to create engaging narratives. Our final guest is Christopher Brace, Adjunct Professor of Marketing at MICA. Christopher helps us understand how storytelling can be used in marketing to build brands. He explains how, by employing a listening ear, you can discover the emotional territories of your audience that will help you know what resonates most with them.   Three Key Takeaways: * Storytelling is a component of the success of entrepreneurs and thought leaders; yet storytelling is often neglected. * Don't be afraid to provide predictions for the future in your thought leadership.  Your speculation doesn't have to be 100% right it just has to provide a glimpse of what could be around the corner. * When starting a narrative look at the questions of “What if” but ensure the basic elements of storytelling are not forgotten.

Fergus Critchley, head of crisis management North America at Willis Towers Watson, and Morgan Shrubb, head of North America War, Terrorism and Political Violence, Axa XL, said insurers are adding coverage elements.

Around the world, liberal democracies are in crisis. Citizens have lost faith in their government; right-wing nationalist movements frame the political debate. At the same time, economic inequality is increasing dramatically; digital technologies have created a new class of super-rich entrepreneurs. Automation threatens to transform the free economy into a zero-sum game in which capital wins and labor loses. But is this digital dystopia inevitable? In our final discussion before the election, George Zarkadakis, author of Cyber Republic, reflects on the long term technological challenges and opportunities facing democracy. George Zarkadakis leads Future of Work at Willis Towers Watson in Great Britain, a global risk and human capital consulting firm. The author of In Our Own Image: The History and Future of Artificial Intelligence and other books, he has written extensively on science and technology for publications including Aeon and Wired. Hosted by Sam Kelly; Mixed by Samantha Doyle; Soundtrack by Kristen Gallerneaux Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

Around the world, liberal democracies are in crisis. Citizens have lost faith in their government; right-wing nationalist movements frame the political debate. At the same time, economic inequality is increasing dramatically; digital technologies have created a new class of super-rich entrepreneurs. Automation threatens to transform the free economy into a zero-sum game in which capital wins and labor loses. But is this digital dystopia inevitable? In our final discussion before the election, George Zarkadakis, author of Cyber Republic, reflects on the long term technological challenges and opportunities facing democracy. George Zarkadakis leads Future of Work at Willis Towers Watson in Great Britain, a global risk and human capital consulting firm. The author of In Our Own Image: The History and Future of Artificial Intelligence and other books, he has written extensively on science and technology for publications including Aeon and Wired. Hosted by Sam Kelly; Mixed by Samantha Doyle; Soundtrack by Kristen Gallerneaux Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/science-technology-and-society

Deborah Farone has had the unique opportunity to play a role in developing the best practices in law firm marketing by working with the most respected and demanding professionals in the world. Her advisory practice focuses on helping professional service firms and individual lawyers in the US and abroad with their marketing strategy and department creation. She is known for business development training and development and strategic planning, as well as speaking at law firm partner retreats and workshops on related topics.  Deborah is the author of the best-selling legal marketing book, “Best Practices: Marketing and Business Development for Law Firms” (PLI 2019), a work based on more than 60 interviews with successful law firm leaders and marketers, general counsel, and innovators in the profession. Over the past two decades, Ms. Farone has carved out a niche by distinguishing herself as the chief marketing officer of two of the United States' most prestigious law firms, Cravath Swaine & Moore LLP and Debevoise & Plimpton LLP. Prior to diving into the legal marketing profession, she honed her business development and communications skills by working at the global management consulting firm Towers Perrin, now Willis Towers Watson, In her early days, she worked both in the new business department and as an account executive at Ketchum Communications, where she represented a large publicly-owned, technology-based toy company based in South San Francisco. Ms. Farone has been involved in the academic arena. She recently spoke at University of Pennsylvania's Carey Law School, Cornell Law School, and Fordham Law School, and she has served as an adjunct Assistant Professor on the faculty of New York University. While at NYU, she developed and taught several courses, including “Effective Marketing and Public Relations for Professional Service Companies” and “Marketing and Public Relations for Law Firms,” the first course of its kind offered by a major university to ensure that law firms were creating operational business development departments. ---------------------------------------- This show is sponsored by Leopard Solutions Legal Intelligence Suite of products, Firmscape, and Leopard BI. Push ahead of the pack with the power of Leopard. For a free demo, visit this link: https://www.leopardsolutions.com/index.php/request-a-demo/ Links: https://www.linkedin.com/in/deborahfarone/ Order Deborah's book Best Practices in Law Firm Business Development and Marketing here: https://deborahfarone.com/best-practices/  For other resources and articles from Deborah, click here: https://linktr.ee/DeborahFarone

This week, Penta acquired Copperfield Advisory, a communications, brand, and strategy consulting firm based in New York, further cementing Penta's position as the world's first and foremost comprehensive stakeholder solutions firm. Andy Whitehouse, senior partner at Penta and former managing partner and founder at Copperfield, joins Penta President Matt McDonald on this week's episode of What's at Stake to break down what this acquisition means for Penta and its clients. Andy joins Penta with over 20 years of experience in strategic communications. Before joining Copperfield, he was chief communications officer at IBM, Willis Towers Watson, and McKinsey & Company, and worked to tackle poverty and social exclusion as a UK government policymaker.The Copperfield team brings extensive C-suite experience and issue fluency to Penta, deepening the firm's expertise and offerings in disciplines including brand positioning, transaction communications, talent strategy, and crisis preparedness. Matt and Andy start out the conversation by discussing Copperfield and Penta's complimentary outlooks on the importance of data-driven decision-making and insights. Later, they dive into Andy's extensive experience advising major companies and developing public policy in a range of key sectors including financial services, private equity, tech, healthcare, and philanthropy.Read more about Penta's acquisition of Copperfield here.

Anthony Dagostino's multifarious career as a broker, VC and underwriter has poises him a true expert in the realm of cyber insurance. In this episode, he talks about how this experience helped him to grow Converge, a US-based MGA that combines the best of underwriting fundamentals, technology, and cybersecurity data to offer innovative coverage in different areas of cyber insurance.You'll learn:1. Why external scan data is a vital addition to any underwriters toolbox2. How Converge uses its adversary-focused underwriting methodology3. How underwriters can use risk quantification to inform limits4. Identifying the data that matters for small insurance companies5. The most important metrics for young insurance companies About Anthony Dagostino:Anthony Dagostino is considered one of the earliest pioneers in cyber and technology insurance. Anthony has held an array of leadership positions over the past 20 years spanning underwriting, brokerage, and risk consulting. Prior to founding and leading Converge, a next generation cyber and technology insurance provider, Anthony led Lockton's Global Cyber & Technology Practice focusing on large client advisory and implementing a global brokerage, consulting, and analytics strategy. Previously, Anthony led Willis Towers Watson's global cyber brokerage division and created what is currently the Cyber Risk Solutions consulting practice, focusing on risk advisory, platform development for assessments and risk quantification, and reinsurance company consulting. His clients have included some of the largest banks, retail, healthcare, manufacturing, and technology companies in the world. In addition, Anthony has a long tenure in cyber, technology, and financial lines underwriting at Chubb and The Hartford where he held an array of leadership positions across product management, MGA development and administration, alternative risk transfer products, and field underwriting operations for nearly 15 years. Anthony is a regular contributor to broadcast and print media, serves on numerous advisory boards for early-stage companies, and is active with various non-profit organizations.Find Anthony on LinkedIn: https://www.linkedin.com/in/anthonyvdagostino/__________About Converge:Converge fuses cyber insurance, security, and technology to provide businesses with complete cyber protection. Deploying a proprietary data ecosystem underpinned by expert underwriting, they provide insurance brokers and policyholders risk solutions that deliver improved outcomes at competitive rates. They believe that insurance needs the right elements and personalized approach to mitigate risk. By partnering with their policyholders, they precisely formulate what their business needs so they can become confidently cyber secure. Converge is headquartered in New York and backed by venture firm Forgepoint Capital. Learn more at convergeins.com.Website: http://www.convergeins.comIndustry: Cyber Security, Insurance, InsurTech, Risk ManagementCompany size: 15Headquarters: New York, United StatesFounded: 2021__________About the host Anthony:Anthony is passionate about cyber insurance. He is the CEO of Asceris, a company that enables its clients to respond to cyber incidents quickly and effectively. Anthony is originally from the US but now lives in Europe with his wife and two children. Get in touch with Anthony on LinkedIn: https://www.linkedin.com/in/anthonyhess/   or email: ahess@asceris.com__________This podcast is produced by our friends at SAWOO 

John Bremen, managing director and chief innovation and acceleration officer at Willis Towers Watson, talks about companies making a public stand on social and political matters: how to successfully navigate the various competing interests while creating more loyal employees and customers.  

Today's guest is Pardeep Bassi, Global Proposition Leader of Data Science at Willis Towers Watson. He's also spent the last decade in data science leadership roles for insurance firms. Pardeep returns to the Emerj podcast platform to talk about a rising inflection point with old insurers who have data but don't know how to use it and startups that don't have data but are more agile in deploying AI solutions. He and Emerj Head of Research Daniel Faggella also discuss how insurance firms – particularly legacy institutions - can go beyond automation and predictive insights, using AI to find the right questions to ask to understand customers' risk better. For access to Emerj's Executive Cheat Sheet on AI in insurance, check out emerj.com/ins1.

Happy New Year! This episode showcases the best of our 2022 podcast. Listen in to hear some great insights from four amazing guests: Kelly Wright is the Founder of Culture Driven Sales which helps companies create exceptional cultures. She is also the President and COO of Gong, a company that analyses customer facing interactions to deliver the insights needed to close more deals. Kelly helps us connect thought leadership and sales. We learn why companies want to work with thought leadership partners that will challenge them and create a better environment for sales. Kelly shares what sales can do to aid in that goal and the tools they'll need to succeed. Kimberly Ellison-Taylor is an experienced accountant and active member and CEO of KET Solutions, a consulting firm focused on business growth, innovation, strategy, transformation and inclusive leadership. Kimberly has served on a number of boards and shares how thought leadership can help you prepare for such a position.  Being a thought leader means having a broad perspective and an insightful, distinct view to share. Kimberly also shares how you can help the board identify gaps in their knowledge, patch them, and then use that knowledge to serve their market both internally and externally. Mark Smith is the Director, HR Thought Leadership at the Society of Human Resource Management (aka: SHRM).  Mark has a Ph.D. in Industrial-Organizational Psychology and years of experience in Human Resources consulting. Mark holds the first thought leadership position at his company and was responsible for building the role from the ground up.  We learn the steps he had to take to make it a meaningful position within the organization and how he discovered ways to bridge the gap between the important research they were conducting and the audience they hoped to reach. Adam Zuckerman is the Product Leader, Employee Engagement Software at Willis Towers Watson, a company offering data-driven insight-led solutions in the areas of people, risk, and capital. In the last couple of years Adam has focused more on the visibility of thought leadership for the product. One of the ways he is accomplishing that is through social media, specifically LinkedIn, a platform he had previously ignored. Adam shares ways to use the platform as a powerful tool to build relationships, discover new ideas, and hone your content.  Three Key Takeaways: * Thought Leadership can help you punch above your weight if you can reach your audience in meaningful ways with actionable content. *  Effective thought leadership needs to be well researched, and place its insights into the hands of those that need it most. *  Social media can be a powerful tool for reaching your audience, and by listening to your audience you can sharpen your content.

Kieran Poole is joined by Willis Towers Watson's Heather Marshall and Ken Kuk as well as Insightia's Rebecca Sherratt and Sam Dixon to discuss Executive Compensation 2022.  Both Heather and Ken are senior directors in the firm's executive compensation and board advisory practice.  Join the conversation about the free report using the hashtag #InsightiaComp on Twitter and LinkedIn.

‘Missing' or lost participants often raise a handful of legal and administrative issues for plan sponsors. The lack of definitive guidance has led to confusion for plan sponsors in deciding what to do about missing participants. While the IRS and DOL have their own separate concerns, both agencies are concerned and likely to inquire about a plan's missing participants upon audit. What steps should plan sponsors take to decrease the chance that a participant will go missing, and what does the IRS and DOL expect you to do to find missing participants? Grab your cup of coffee and tune in to hear Richard and Sarah chat with their first external guest, Gary Chase of Willis Towers Watson, about these pressing questions that frankly, every retirement plan struggles with.

Cara McNulty is a population health scientist and the President, Behavioral Health and Employee Assistance Programs at Aetna, a CVS Health Company. She's also a woman who has experienced mental illness. This week, Snap Out of It! The Mental Illness in the Workplace Podcast with Natasha Tracy is talking with Cara McNulty about her own experience with mental illness, amplifying her passion for helping others with mental illness. We're also going to be talking about what place an employer should have when dealing with employees with mental illness and how voices with mental illness are shamed and silenced. Helping People with Mental Illness at Work We're going to be discussing things like: Cara's personal experience of mental illness Passion for helping people with mental illness at work Why employers should support people with mental illness What employers should be doing to help people with mental illness Changing the silencing and shaming of those with mental illness Whether you are in human resources, a c-suite executive, or simply want to ensure that people with mental illness get what they need at work, you don't want to miss this episode. For more information and the transcript, go to http://snapoutofitpodcast.com Cara McNulty's Bio Cara McNulty, DPA, is President of Behavioral Health and Employee Assistance Programs at CVS Health, a leading provider of mental health and employee assistance program (EAP) solutions to members and communities around the globe. She oversees a national team that spearheads the development of CVS Health and Aetna's programs, products, and capabilities designed to offer individuals easy access to quality, innovative treatments and meet people wherever they are along the continuum of mental wellbeing. Cara is a highly-regarded executive leader and population health scientist whose success in driving population wellbeing outcomes spans the employer, government, payer/provider, start-up, and education sectors. She is known for her ability to integrate confirmed health science into practical business models that drive measurable outcomes. Focused on the increased need for mental wellbeing resources exacerbated by the COVID-19 pandemic, Cara leads CVS Health's strategy to expand mental health services and resources. Most recently, this included Aetna offering members cost-sharing waivers for mental and behavioral health telemedicine visits at the onset of the pandemic, as well as opening Aetna's Resources For Living crisis and health support lines to all consumers regardless of health plan. Cara previously served as the North American leader of Integrated Wellbeing for Willis Towers Watson. Her responsibilities included advising clients on strategies focusing on employee engagement, clinical outcomes, and productivity. She sat on the company's Health and Benefits Specialty Practice Leadership team and focused on integrated wellbeing, intellectual capital, and service development across physical, emotional, financial, and social dimensions. As the former Head of Population Health, Team Member Wellbeing and Guest Wellness for Target Corporation, she led efforts to implement the company's health agenda. She developed strategies that improved all team members' health, driving value and business growth while decreasing health care expenditures. [ . . .]

In this episode, we're focusing on compliance considerations in the insurance world. Our guest this week is Pardeep Bassi. He is currently Global Proposition Leader of Data Science for WTW, or Willis Towers Watson, a publicly traded financial services firm based in the United Kingdom. This week Pardeep covers two different topics with us. First, he discusses some areas where regulation intersects with AI applications in insurance and what the potential data risks for elements such as transparency, personal data use, etc., are. Secondly, Pardeep dives into how leaders might consider these regulatory rules in their adoption strategy. Not only to meet regulatory compliance rules but also to potentially use AI to address them. This episode is brought to you by Smarsh and is part of a broader series on AI applications for compliance and communications intelligence. To learn more about how to reach Emerj's global executive audience with Emerj Media, visit emerj.com/ad1.

In this episode of On Record PR, Gina Rubel goes on record with Deborah Farone, founder of Farone Advisors, LLC, to discuss best practices for personal business development for lawyers and other professionals. Learn More Deborah Farone has had the unique opportunity to play a role in developing the best practices in professional services marketing by working with the most respected and most demanding lawyers in the world. Deborah is the author of the best-selling legal marketing book, “Best Practices: Marketing and Business Development for Law Firms” (PLI 2019), a work based on more than sixty interviews with successful law firm leaders and marketers, general counsel, and innovators in the profession. Heidi K. Gardner, PhD, Distinguished Fellow, Harvard Law School's Center on the Legal Profession, has called Deborah “the leading expert in law firm marketing. Not only has she studied this complex topic from the peak of the legal profession, her research into what works and what doesn't is priceless for anyone interested in growing their business.”  The book is carried by bookstores of the United States' highest ranked law schools, including Harvard, Yale and Columbia. Over the past two decades, Deborah has carved out a niche by distinguishing herself as the chief marketing officer of two of the world's most prestigious law firms, Cravath Swaine & Moore LLP and Debevoise & Plimpton LLP. Prior to diving into the legal marketing profession, she honed her business development and communications skills by working at the global management consulting firm Towers Perrin, now Willis Towers Watson. In her early days, she worked both in the new business department and as an account executive at Ketchum Communications. Deborah has been involved in the corporate and academic arena. She recently spoke at McKinsey & Company's legal department and, on the academic side, at the University of Pennsylvania's Carey Law School, Cornell Law School and Fordham Law School. She has served as an adjunct Assistant Professor on the faculty of New York University.

We're answering the question, “Should YOU be a life coach?” this week.  Why?  Well, according to a recent study, almost half of employees in the US are looking for a new job or plan to soon.   Which suggests that the curious pandemic-era phenomenon known as the “Great Resignation” is continuing into 2022. Specifically, 44% of employees now consider themselves “job seekers,” according to Willis Towers Watson's 2022 Global Benefits Attitudes Survey.   Wow.  That blew me away.  How about you?  As a part of all of this, I've had more and more people ask me whether they should and/or could become a life coach.  So, I wanted to dig into that.  Now, I'll be the first to say that every once and a while... I do a deep dive on a subject that might not be for everyone.  BUT this one is for more people than you might expect. If you listen to DREAM THINK DO, I'm guessing you may have thought about it.  If you're wanting to dream bigger, think better and do more of what you're put on the planet to do… then… there's a really good chance you'd like to see others do that too!  So, if you've had that feeling… it's possible you'd make an amazing coach.  AND… many should become coaches… BUT… not all. That's why I'm doing this episode. I'm going to take you behind the scenes of the coaching industry and I'm going to be straight up with you as I answer some common questions I get about who should become a life coach, business coach or success coach.   I'll shoot straight with you about the industry and WHO would be a good fit... and have a chance to really make an IMPACT and... quite possibly... some serious INCOME from it.   And.... who I'll also share who I think shouldn't try to become a life coach too.  It's going to be a fun… eye-opening… truth filled conversation and I can't wait to get started.  So, let's do this!!! FREE TRAINING: 3 Hours to $3K Masterclass http://www.mitchmatthews.com/masterclass MORE ABOUT THE EPISODE: Why are we talking about whether you should/could become a life coach… NOW?  Well… like I said, in the introduction, LOTS of people are wanting a change.  There are a LOT of things contributing to this… but if 44% of the workforce are now considering themselves “job seekers,” there's a very good chance that MANY of them  are wanting to do something more meaningful.  Something that's more true to their purpose And if YOU are wanting more purpose from your work… there's a chance that you'd love to help OTHER PEOPLE find more purpose and fulfillment too.   So, one of the things that pops to some people's lists is life coaching.   They might think about hiring their own life coach, but they might also be asking, "I wonder if I should become a life coach?" But let's be honest… right from the start!  Some might wonder if it's a scam or a get-rich-quick scheme? NOTE: You can make a LOT of money as a coach but that's NOT the reason to get into it. There are a few BAD coaches out there… BUT what industry do you know that doesn't include a few bad apples who screw things up for everyone?   That's why I like to set the record straight... and try to do our part to make things right! If you wonder whether being a life coach or a success coach is legitimate: You can now get your Masters and your Ph.D. in coaching...  NOTE: Although I don't recommend that and I'll tell you why more in a bit. BUT just the fact that you can get advanced degrees in coaching proves it's needed and that a LOT of people are seeking help! FREE TRAINING: We have some new free training coming up... because I really do want to help people who feel called to become a life coach to keep moving forward with confidence.   BUT I really do want to scare the wrong people away from becoming a coach...  So let's get started! I often get asked, “SHOULD I BECOME A LIFE COACH?” Good question: Is becoming a life coach ideal for you?  More specifically, here are some of the most common questions I get around the idea of becoming a life coach: What does a life coach actually do? Should I get certified as a life coach and/or do certifications matter? Are there too many life coaches and/or is the coaching market saturated? What are some of the things that keeps people from becoming successful life coaches? Question 1: What does a Life Coach actually do? The question seems to be, "What do SUCCESSFUL life coaches actually do?" Because we've all seen those people who seem to be all talk in regards to being a coach, but you're just not sure what they actually do. When someone is curious about this and they're asking about what a success coach actually does… I ask THEM a question that usually shocks them: "Are you willing to shut up?" Yup.  That sets people back a bit… but it's important to ask… especially if someone is wanting to be an EFFECTIVE and SUCCESSFUL Life Coach. Here's why: As a coach… it's good to have systems and processes in place. BUT as a foundation, I believe in a "question-based approach." What I mean is... I'm going to bring a VAST MAJORITY of my value to my clients by ASKING QUESTIONS... as opposed to TELLING them what to do. The main reason for this approach is something I call:  "The Intellectual Immune System ™" This is based on the idea that we tend to reject things / ideas that come from outside us and we tend to embrace things that come from within. Think of a time when you got advice… and you eventually rejected it… because it came from outside you.  Maybe it was advice from a parent, a manager, a friend, a mother-in-law or a complete stranger.  You knew it was good advice… but you just couldn't move forward… because it just wasn't YOU!  Been there?  I sure have! For me… as a Coach… I work with talented... successful people... and most of the time... they know 90% of what they need to do... they just need a safe place to acknowledge that.  Plus, they need a safe place to talk through the ideas... vet those ideas... and vent... and bitch and moan a bit!  We're human.  It's needed!  And for the other 10%... I always say, "We'll figure it out together." As a life coach, my job is to ask questions and create an environment where we can get to their genius.  Now... a key here is: You need/have to:  "Hold people as capable." Some people get into coaching because they can't wait to tell everyone THEIR answers.  BUT... we all know how THAT goes over.  That's why they're not often very successful. People will feel it… if you believe in them… if you believe they can do it... and they often RISE to that. SIDE NOTE: This applies to LEADERSHIP and PARENTING too!!! So... are you willing to ask some questions and then shut up?   If so... there's a very good chance you could be an awesome coach! QUESTION 2: Should I get certified as a life coach and/or do certifications matter? The big question behind the question here is: “What is a life coaching certification for and what is it NOT for? IDEALLY: A well-designed life coaching certification is something that's going to make you more confident and more effective as a coach.  Helping you… so you can help your clients achieve CLARITY… and help them get to their GOALS more quickly. IT IS NOT: A marketing tool or strategy.  Meaning… don't get a life coaching certification to sell your coaching.  Nope.   Here's the straight scoop.  I'm not “anti-coaching certification.”  Heck... I actually created a coaching certification called “The Coach Mindset” and it's helped thousands of coaches around the world.  So, I believe in getting you the training and the tools you need to be a confident and a competent coach! BUT... I'll be the first one to say that the only people who seem to ask whether I'm certified are other coaches.   I've never been asked by a potential coaching client whether I'm certified or not.   Why?  Because they just want to know whether I can help them or not.  They don't care about a piece of paper on the wall.  They want to know can I help them break through the junk... and achieve what they want to do? So... if you want to grow in your confidence as a coach... find a program that's a great fit for you!  But don't invest in a coaching training program because you think THAT accomplishment will wow potential clients.  It won't.  Much like adding letters behind your name JUST to impress people doesn't tend to work either.  (Sorry… not sorry!) It's the WORK that makes a difference.  It's whether you can help someone get the job done that moves the needle!  So, invest in a training program that helps you DO THE WORK!  Don't invest in a program because you think it's fancy title or HUGE investment will impress people.   Make sense?  I'm hoping so.   One more side note on this before we move on.   If you're looking for a training program,  I'd also really recommend that you find a life coach certification that includes BUSINESS training... as well as coaching training.   Because… to be honest... most people who are attracted to the idea of coaching find that the coaching strategies come more easily to them.  They'll be quick to say they need MORE help on the business-building side... than they do on the coaching side.   But MOST coaching programs don't include business training... so be really careful there!!!  In fact, that's something Brendon Burchard asked me about when he interviewed me about my work with Life Coaches and Success Coaches.  QUESTION 3: Is the Life Coaching market saturated?   I'll sometimes get the question: Are there too many life coaches out there? Let me first run some stats by you:  There are 328+  million people in the US There are 445+ million people in the European Union There are 1.4+ billion people in India There are roughly 8 billion people in the world 8 BILLION people.  That's so big… it's hard to get your head around.  That's a LOT of people.  Now, I'll be the first to say that not all of those people need coaching and/or not all of those people can afford coaching. EVERYONE would benefit from working with a good life coach, but let's be real.   Let's not say 50%... or 25%... let's just do the math on 2% of those people.  Let's say that 2% of people want a coach.  That's still around 160 million people.  (Think about that number.  If you took all the people that live in Los Angeles, New York City and London… that would just be 21 million people!  So 160 million people is a LOT of people!) And… at the same time… depending on your coaching rates... most coaches can have a REALLY profitable coaching practice with 10 clients at a time.   You can make $100K a year with 10 clients (or less) a month! And A LOT of coaches coach on the side.   I know successful people that kept getting those "Can I pick your brain" requests.   So they decided to get trained up as coaches and they sell their services now and make extra $3K to $10K a month from that.  Heck, one of the members of our coach's mastermind made an extra $50K in one month… coaching on the side of his job as a health care administrator.  How cool is that? So there's a LOT of ways to do this. Here's my best insight on the question of whether there are too many coaches in the world.  Ready?   As you become a Life Coach, your true competition won't be other coaches.   Nope.  Not at all.  The biggest competition is the: “COUCH!” That's right!   As a Life Coach... the BIGGEST competition isn't other coaches... the biggest competition is the "couch."  It's distraction.  It's "going grey."  It's all the things that cause people to tune out, to go numb, to settle. That's the biggest competitor. So, you will need to find ways to inspire and equip people to break free and to want more.  THEN... you can help them to clarify what they actually want and help them to achieve it. Want another BIG shocker from behind the curtain?   The vast majority of the people who hire me as their coach haven't been "coach shopping."  They haven't been googling coaches and then decide on me because of a certification I completed.   Nope, they've either been consuming my content for a while and say to themselves, "When I finally invest in a coach... Mitch is my guy."   Or they're referred to me by people who consumes my content or by past clients. So if you commit to helping people... the right clients will find you!  You can find ways to put out content that's true to you… content that helps people in big or small ways… and clients will find you! And yes… I have a long-standing podcast… but my first paying client came from one of my first blog posts I ever wrote!  A friend forwarded it to him and said READ this.  And that person reached out immediately to get some help! This is what gets me fired up and moving forward.  Because I don't want people to live lives that are less than they were supposed to live or experience.  I want people to find their jam… and rock that thing!  That drives me. I don't compete with other coaches.  I compete with how I performed yesterday.   So, some questions I often ask myself are: Am I finding new ways to serve? Am I finding innovative ways to help? Am I growing... if YES?  Then game on... let's go! If I get caught up in looking at other coaches... or what the world would call "my competition" then I'm toast.  I'm not going to be good to anyone!   Who's with me on THAT?  COMPETE with the YOU from yesterday... and that will keep you growing! QUESTION 4:  What are some of the things that keeps people from becoming successful life coaches? This is a big question because people want to be successful.  So, it makes sense that they're curious about what might get in the way of success! It won't surprise you but part of the answer goes back to the things we've already talked about: Thinking they have to have all the answers!!!   Getting TOO much training and getting caught up in that rat race! Disqualify themselves because they caught up in looking around instead of looking forward. But when I talk about one of the BIGGEST "ditches" that potential coaches often fall into… it surprises people. That is: they're not willing to get paid! Now... you might think I'm crazy but hang with me here! Many of the people I talk to that are interested in becoming a life coach are natural encouragers.  They're the safe place that people come to to hash out ideas, vent or dream big! Heck... if you're one of these people… and there's a good chance you are… maybe you've even had someone say, "Wow.  Why am I telling you this?  I don't tell anyone this." Maybe people have joked you're like a “bartender” because they just tell you stuff!  Or… you have people seek you out because they want to ask you questions, or share ideas or celebrate a big win. Co-workers… friends… family members.  They seek you out! And if that's you… maybe encouraging people comes easy to you. AND… If it comes naturally to you... you tend to dismiss it's value.   Seriously… if you've always done it... it's easy to think EVERYONE does it.  So... you devalue it. SO... some people wind up having trouble with the thought of being paid thousands of dollars for doing something they've always done! NOW... I would argue that with training... you add to your natural gifting and take it to the next level... BUT still... people often wrestle with getting paid really well for something they'd do for free! BUT... I'd argue the FEE is necessary! Sure... it puts food on your table and a roof... (hopefully a very nice roof) over your head.  BUT the fee also helps to bring a level of commitment for the client.   They have skin in the game. They're committed. It's funny… but the person I mentioned that generated $50K in one month was in this category.  When we first started working together… the most he'd made was about $500.  But we started to work together to tweak his mindset and some of his systems and almost instantly… he had his first $5K Client.   Not only was he blown away by getting paid more of what he was worth… BUT he also found that his clients were soooo much more committed to the process! Now... I charge thousands for my packages and I tell them... it's as much for them as it is for me!  Because if they're willing to invest in themselves… that means they're all in and it's go time! So... ask yourself, "Are you willing to get paid well for something you love to do?" QUESTION 5: What do I need to have in place to be a life coach? We'll keep this one short. As a new life coach as well as successful life coach with a sustained practice, you just need a few things: Good training (Focuses on Coaching AND Business!) A good community A personal willingness to experiment (and learn as you go)! Belief you can do it. Join me for a Masterclass for new and experienced coaches: www.mitchmatthews.com/masterclass  REVIEW: The questions: What does a life coach actually do? Should I get certified as a life coach and/or do certifications matter? Are there too many life coaches and/or is the coaching market saturated? What are some of the things that keeps people from becoming successful life coaches? What do I need to have in place to be a life coach? Episode Minute by Minute:   I WANT TO HEAR FROM YOU! How about YOU!?  What questions do YOU still have? And… what stood out to you from this conversation?  What resonated?  What's a small but significant step you want to take?  Comment and let me know! JOIN US:  Check out the LIVE event: www.mitchmatthews.com/masterclass  Share this... with someone who YOU think could or should be a coach OR if you're thinking about it... join us or reach out!  I'd love to help you make the decision. 

IN THIS EPISODE, YOU'LL LEARN: 01:50 - Oakmark's criteria for a quality value investment.07:44 - What it means to have a bottoms up investment approach rather than a top down approach.15:39 - Why Netflix qualifies as a value investment for Oakmark.19:30 - Tony's thoughts on the volatility of the stock's price action.32:49 - How Tony thinks about valuing Netflix.38:20 - Tony's thoughts on a recent addition to Oakmark's holdings - Willis Towers Watson.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.EPISODE RESOURCESRobert and Clay's tool for picking stock winners and managing our portfolios: TIP Finance.Check out the Oakmark Funds.See Oakmark's Commentary.Related episode: MI138: Fiserv Deep Dive w/ Bill Nygren & Mike Nicolas.Related episode: TIP430: From Facebook to Meta and Beyond w/ Bill Nygren.Get a FREE audiobook from Audible.Are you a looking to start investing? Check out our article on How to Invest in Stocks: The Ultimate Guide for Beginners.Check out our Investing Starter Packs about business and finance.Support our free podcast by supporting our sponsors. Find joy in comfort with Faherty. Use promo code WSB to snag 20% off all your new spring staples!Eat clean 24/7, with fresh—never frozen—prepared meals that are so delicious with Factor. Use code wsb120 to get $120 off over your first 5 weeks of meals.Join Commonstock's community of engaged investors to access exclusive financial data, follow and chat with fellow investors, get alerts when friends buy or sell, and make trades directly through the platform.Loansteady is here to find a mortgage that works for you, not the other way around. They are waiving all lender fees for listeners of Millennial Investing. Important terms and conditions apply. Loansteady LLC, All rights reserved, NMLS# 1701910, Equal Housing Lender. For more licensing information, please visit https://www.loansteady.com/licenses-and-legalShake up your protein Ritual and get 10% off during your first 3 months today!Make documents, ask a lawyer your legal questions, and sign contracts on the go with Rocket Lawyer.Have a business checking that's built for you, will go the distance with you, and admires your brave - Novo. The Investor's Podcast Network listeners get access to over $5,000 in perks and discountsCanada's #1 employee benefits plan for small businesses! The Chambers Plan evolves with the way you work and live while keeping the rates stable. Opt for the simple, stable, and smart choice for your business.Find Pros & Fair Pricing for Any Home Project for Free with Angi.The interval fund, a breakthrough innovation. Only at Mackenzie.Get insights on how to plan for your financial goals with The Globe and Mail. Listeners get a special digital subscription rate for unrestricted access to everything.Read this episode's transcript and full show notes on our website.Connect with Oakmark: Website | Twitter Connect with Clay: Twitter See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.