David Lau

speaker

345 appearances 1 recordings 1 series first heard Jun 2026 last heard 25 Jun

David Lau’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.

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Talking Wealth · How to Give Clients More Peace of Mind in Retirement · 25 Jun 2026 podcast

And therefore you have these, you know, great structural products which get

you know, uh have problems because of the embedded costs due to the advisor compensation and the distribution charges being baked into the product.

So, I mean, what we do, you know, at DPL actually is we work with carriers.

We've really created the commission-free annuity marketplace.

So we work with carriers to reprice product and rebuild products.

So we're taking out commissions, we're taking out distribution and wholesaling costs, the marketing costs, the stake dinners, all that gets baked into the costs of the product.

And we're making them now basically institutions.

Institutional share class products.

So that's not that's number one.

So you can get the products that are priced properly and kind of built properly.

You know, we tend to like products and and and design that is simplified.

You know, you don't, you know, commission drives you know complexity as well, uh, because you have to differentiate your product and create some sales feature.

You know, as we say we want products.

That can be used and not sold.

So we're building products that can be used.

We work with, you know, a couple dozen carriers.

We've brought, you know, a hundred-ish products to market.

And then the important thing we also do is we bring technology to the equation so that if you're like you and you don't have any, you know, great

you know, depth of of knowledge in the annuity arena, that doesn't matter.

We've kind of commoditized product knowledge.

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