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 what I mean by that is we've digitized pretty much every annuity ever sold.

So we our technology works from a planning point of view.

So you you input to the technology what you're looking to solve for for your client, or if you're a client directly, what you're looking to solve for.

I want lifetime income, I want downside protection, I want tax deferral, and you give us a few data points about who you are and what you're looking to do, and we'll give you the most efficient product to do it.

So it's it's basically an institutional share class investment product, right?

So now if you're a financial advisor, you can charge the you know, this is part of your AUM.

It's just another investment within the portfolio.

Uh, and you can, you know, bill your AUM fee against it.

You know, if you're a client directly, you've got no additional fees.

Yeah, and and for us, we're working, you know, we've built the platform much like Schwab did when they built one source, you know, for no load mutual funds.

There's an administrative fee within the within the product that we get paid for for you know being on our platform.

And basically by

eliminating all the distribution costs, replacing it with our admin fee, you're getting about an 80% savings, you know, for the for the end client.

It's a massive repricing of the product.

Yeah, no, there uh that's a great point.

There are so many benefits to annuities.

And like if you look if you read academic research, which you clearly do, on you know, on retirement, retirement income, you know, academics.

universally like annuities for retirement, you know, because of the behavioral and the economic benefits, you know, you can more efficiently generate income out of an annuity than you can out of fixed income.

You know, it it's not close, it's not questionable.

It depends on the interest rate environment to how much better the annuity is going to be.

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