Joe Jordan, Ted Rosedale and George Bain - ROI Now Means Reliability of Income

Joe Jordan, Ted Rosedale and George Bain - ROI Now Means Reliability of Income

This isn't a one-guest show. Paul brings together three of the industry's sharpest voices on retirement income — Joe Jordan, Ted Rosedale, and George Bain — for a roundtable on what's actually changing in retirement planning, and what isn't. Joe Jordan frames the demographic shift hiding underneath every tech headline: the U.S. has more centenarians than any country on earth, the worker-to-retiree ratio is heading toward zero, and Social Security benefits are mathematically on track for a 20% cut by 2033. Ted Rosedale explains why Social Security is the largest financial asset most Americans hold — and the most misunderstood — and how the new RSSA designation, now offered through The American College, is closing the advisor knowledge gap on 2,700+ claiming rules. George Bain makes the case that the $14 trillion in U.S. home equity is the leg of the retirement stool advisors keep ignoring, and that reverse mortgages have moved from "barbershop rumor" to legitimate planning tool. The through-line: AI changes how advisors work. It doesn't change demographics, the cost of getting Social Security wrong, or the trust required to put a real plan in place. Link to Joe: https://www.josephjordan.com/ [https://www.josephjordan.com/]

Brian Poppe - "You Can't Just Slap AI On It" And The Four-Phase Test for Carrier AI Adoption

Brian Poppe has done something rare in L&A: he started as an actuary, founded Mutual of Omaha's innovation practice as the entire department of one, served as Chief Data Officer, and now runs the company's life insurance P&L. That breadth is the lens for this conversation. Brian walks through his four-phase AI adoption framework — awareness, helping individuals, redesigning processes, and AI talking to AI — and gives a refreshingly honest read on where carriers actually sit. (Spoiler: most claiming phase four are still in phase two.) He shares the story of a partnership he loved but had to kill because the timing of the offer to grieving families was wrong, why he flew his CTO to Silicon Valley for a "petting zoo tour" that became the foundation of Mutual of Omaha's cloud insurer, and where he thinks carriers will see the first real process redesign — back-office NIGOs, not underwriting. Listeners will leave with a sharper way to evaluate their own carrier's AI maturity and a clearer sense of what real innovation looks like inside a Fortune 500 mutual.

Branislav Nikolic - Indices Are the Fuel. Products Are the Engines.

Branislav Nikolic spent nine years at CANNEX, wrote a PhD dissertation on retirement and annuity optimization, and was doing machine learning back when it was still called machine learning. Today he runs the insurance practice at The Index Standard — the independent firm rating, forecasting, and benchmarking the 150+ indices feeding America's FIAs, RILAs, and IULs. In this episode, Branislav explains why eight out of every ten FIA dollars still flows into the S&P 500 even after gold ran 60% and silver ran 130% in 2025. He breaks down why excess-return indices became confusing the moment interest rates moved off the floor, why "going to zero is your hero" is a bad way to compare an FIA to a market index, and why the indices that have actually performed best aren't the simplest or the most complex but the ones in the middle. He also makes the case for renewal rate integrity as the next thing the industry has to clean up — and tees up where The Index Standard goes next as carriers reopen the NAIC illustration guidelines.

Ramsey Smith - "The Revolution Will Happen in the Workplace

Ramsey Smith — former Goldman Sachs life insurance banker, Genworth board director, and Founder/CEO of ALEXIncome — argues that the next great wave of guaranteed income won't come from agents or RIAs. It will come from the 401(k) default option. He breaks down why fixed deferred is winning the in-plan annuity race, why a $140B market is just the beginning of a $5–15T total addressable market, and why this is the most important generational opportunity carriers have to take back ground they relinquished decades ago.

James Wong - "A Garage Full of Mac Minis" — Angel Investing, and the Next Wave of L&A Innovation

James Wong built a massive IMO from scratch, sold it to a Fortune 500, and then launched The Founder's Chair — an insurance-focused angel investing platform that has funded 17 companies and deployed $11M+ in two and a half years. In this episode, James breaks down what AI is actually doing to startup teams right now: one founder quietly let go of two engineers, another is doubling down on senior talent, and a third expanded her team's scope instead of cutting. He shares his unfiltered read on the LPL-Anthropic deal, why it overnight made the biggest firms every startup's competitor, and why the next wave of insurance founders will need to build quietly before they raise. Plus: what James is watching for at the Founder's Chair August event.