Michelle Richter

Michelle Richter is a passionate business leader with more than fifteen years of experience designing, deploying and scaling innovative insurance and wealth management products and programs. ◦ Expertise in integrating wealth management, life insurance, annuities, and asset management for both retail and institutional businesses. ◦ Proven track record launching new businesses and re-engineering existing operations. ◦ Named inventor on patented method for insurance investment product decision modeling ◦ Focused on retirement and risk management for affluent, high net worth, and institutional markets. ◦ Emphasis on operations leadership, human capital development, quantitative modeling expertise, collaboration with sales/distribution, compliance and regulatory oversight, product and program development.

How New Ideas Can Happen in Insurance, Part II: Defining the role of “Insurance Adviso(e)r”

As discussed in previous posts in this series, here and here, life insurance and annuities in the US have historically been understood exclusively through the lens of “suitably” sold product, and have not been systematically viewed through the lens of advice. Prior to the advent, and increasing popularity of, the Registered Investment Adviser (RIA) model …

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Fiduciary Insurance Services, LLC to Provide Integrative Wealth Management and Insurance Advice to Sponsoring Financial Institutions

https://www.send2press.com/wire/fiduciary-insurance-services-llc-to-provide-integrative-wealth-management-and-insurance-advice-to-sponsoring-financial-institutions/   As more fiduciaries distribute insurance products and as insurers develop more fee-based products, Fiduciary Insurance Services, LLC will consult on best-practices for adding insurance products to wealth management frameworks Source: Fiduciary Insurance Services LLC   |  Fri, 18 Sep 2020, 07:00:18 EDT    NEW YORK, N.Y., Sept. 18, 2020 (SEND2PRESS NEWSWIRE) — Fiduciary Insurance Services, …

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How New Ideas Can Happen in Insurance, Part I: Programs vs. Products

In the United States, life Insurance and annuities have historically, for the most part, been issued and distributed as product containers sold to consumers by insurance agents, and not usually as part of a holistic financial planning process. Because this is how insurance has historically been offered, protection decisions have historically been made separately from …

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