The human cost behind current market troubles We all know what’s happening in Eastern Europe right now. We can feel the shockwaves of it all the way over here, in the USA, and the financial industry is abuzz with predictions and speculation. Whether we’re talking about how a long-term war in Ukraine could hurt our...Continue Reading
We aim to provide advisors and their clients valuable retirement solutions that are simple to use, easy to understand, and delivered with outstanding service. As the advisory landscape changes, our fiduciary insurance platform evolves to meet those changing needs with top-notch service and innovative solutions. The latest additions to the Simplicity OID platform in the...Continue Reading
Have the Rules Changed? Recently Advisor Perspectives posted an advice column by Beverly Flaxington, a practice management consultant who helps financial advisors. In this particular column, she was presented with a query from an advisor, H.D., who objected to the idea that advisors must understand their clients’ goals and values to best help them achieve...Continue Reading
What are advisors really worried about? A recent ThinkAdvisor piece about the LIFE Act was framed as a debate between Robert Bloink (pro) and William H. Byrnes (con), both professors and co-authors of reference book Tax Facts. For those unfamiliar, the core issue that advisors seem to be anxious about is the LIFE Act’s allowance...Continue Reading
The Future of Fixed Income: Leveraging Modern MYGAs to Optimize Client Portfolios As market conditions evolve and interest rates are expected to decline over the next several years, registered investment advisors (RIAs) face the ongoing challenge of boosting fixed income and cash positions in client portfolios. Recent signals from central banks and credible news sources...Continue Reading
We were excited to be part of a dynamic panel at NAPFA 2025, in exploring how today’s Multi-Year Guaranteed Annuities (MYGAs) are reshaping fixed-income strategies for fiduciary advisors. Our own Ed Mercier, Simplicity OID, along with Jayant Walia, Gainbridge, our partnering company lead a discussion highlighting key innovations in cost structure, liquidity, and transparency—dispelling outdated...Continue Reading
We were proud to have our CEO and co-founder David Stone, join a panel discussion on “Leveraging Technology to Drive Advisor Success” at this year’s conference. As wealth management evolves, Independent RIAs are using technology to improve client experiences and financial planning. The panel discussed tools like AI, insurance, and retirement solutions that help advisors...Continue Reading
San Francisco, CA – November 16, 2023 – Luma Financial Technologies (“Luma”), an award-winning global independent alternative investment platform, announced today their partnership with Simplicity OID®, the leading independent platform for fee-based insurance solutions. Luma’s innovative platform will now integrate Simplicity OID’s fiduciary marketplace of commission-free annuity and insurance solutions, providing non-insurance licensed Registered Investment...Continue Reading
To serve the growing fiduciary movement, a relatively new service model has sprung up: Outsourced Insurance Desks (OIDs). OIDs help RIA firms broaden their holistic offerings to include annuities and insurance regardless of whether the IARs at the firm are insurance licensed or registered with FINRA. They also help RIA firms manage risk in two...Continue Reading
