Pittsburgh roofer John Polosky warns that recent storms are causing hidden gutter and flashing damage most homeowners overlook—leading to costly water issues and insurance claim delays.
Dr. Tamara Patzer leads AI Visibility Project to help leaders quantum leap their presence in the new age of AI.
Dr. Tamara “Tami” Wiese Patzer, a small-town Oregon native turned global AI visibility expert, is featured in Portland News for her groundbreaking work helping leaders become discoverable by AI. Founder of the AI Visibility Project™, she created frameworks like Total Audience Market Immersion™ and Genesis Trust Verified™ to ensure experts are seen, trusted, and recommended by both humans and machines in the new era of digital influence.
Listen to the interview on the Business Innovators Radio Network: Interview with Lee Morris, Vice President of Underwriting of Life & Annuity Brokerage with Gallagher, Inc.
Lee Morris, Vice President of Underwriting of Life and Annuity Brokerage at Gallagher Incorporated. Lee shares her unique journey into the underwriting field, revealing that few aspire to become underwriters. She began her career at State Farm as a life underwriting management trainee, where she had the opportunity to choose between service and the technical aspects of underwriting. With 34 years of experience, including 17 years at a carrier with significant signing authority, Lee transitioned to the sales side, providing valuable insights into the underwriting process. She discusses her trademarked underwriting training program and her certification in EKG interpretation, highlighting the depth of her expertise in the industry.
The underwriting process in life insurance is often viewed as a rigid and formulaic procedure. However, as discussed in the podcast episode featuring Lee Morris, Vice President of Underwriting at Gallagher Incorporated, it is inherently subjective. This subjectivity stems from various factors, primarily the individual experiences and perspectives of underwriters, which can significantly influence case assessments.
Individual Perspectives: Each underwriter brings their unique experiences to the table. For instance, Lee shared a personal anecdote about her son and ex-husband, both of whom were severe asthmatics. This personal experience shaped her understanding of asthma-related risks differently than what might be indicated in underwriting manuals. Such insights can lead to more favorable assessments for applicants who might otherwise be categorized as high risk based solely on clinical data.
Variability in Assessments: Lee highlighted that even when multiple underwriters review the same case, they may arrive at different conclusions. Lee noted that in underwriting meetings, it was common for ten underwriters to have eight different perceptions of a single risk. This variability underscores the fact that underwriting is not merely a mechanical process; it involves human judgment and interpretation.
Influence of Guidelines: While established guidelines and reinsurance manuals are utilized by most carriers, the interpretation of these guidelines can vary widely among underwriters. Lee pointed out that although carriers may market themselves as having specific advantages for certain medical conditions, many use the same foundational manuals. The subjective nature of underwriting means that one underwriter might view a risk as manageable, while another might see it as too risky, leading to different outcomes for applicants.
Emotional Factors: Underwriters are human and, like anyone else, they can have good and bad days. Lee emphasized that an underwriter’s mood or emotional state can influence their decision-making process. This human element adds another layer of complexity to the underwriting process, potentially leading to inconsistencies in how cases are evaluated.
Gallagher’s underwriting team aims to navigate this subjectivity by providing a comprehensive understanding of the underwriting process. They focus on:
Technical Expertise: By leveraging their deep knowledge of medical information and underwriting processes, Gallagher’s team can better advocate for clients and advisors. This expertise allows them to present cases in a way that highlights the nuances and complexities that might otherwise be overlooked.
Managing Expectations: Lee emphasized the importance of setting realistic expectations for agents and clients. By explaining the subjective nature of underwriting and the factors that influence assessments, Gallagher helps clients understand potential outcomes and prepares them for the underwriting journey.
Advocacy and Partnership: Gallagher positions itself as an extension of the agent’s office, advocating for the client while also protecting the carrier’s interests. This partnership approach fosters a collaborative environment where the goal is to find solutions rather than simply deny cases.
Lee said: “Underwriting subjectivity can create waves for your applicant’s life insurance application, so make sure you have the expertise of Gallagher Underwriting to help navigate you to ‘smooth sailing”
In conclusion, the underwriting process in life insurance is far from a straightforward, one-size-fits-all procedure. The subjectivity inherent in the process, influenced by individual underwriters’ experiences, perspectives, and emotional states, plays a crucial role in case assessments. Gallagher’s approach to underwriting seeks to navigate these complexities by combining technical expertise with a human touch, ultimately aiming to create win-win scenarios for all parties involved.
Video Link: https://www.youtube.com/embed/e6xkXBH7nNs
About Lee Morris
Lee Morris is Vice President of Underwriting, Life & Annuity Brokerage who rejoined the Gallagher Life & Executive Benefits consulting team in January of 2023.
Lee Morris has been in the insurance industry specializing in technical underwriting risk management for over 33 years. She is known for her astute ability to merge the technical attributes of underwriting with the art of modern-day medical advancements and interpretation while protecting the interests of all stakeholders. Lee’s strong experience with the top one percent of the wealth management firms and the ultra-affluent market demonstrates her ability to address the needs of clients requiring an enhanced “boutique” encounter.
Certified in EKG interpretation and a dynamic presenter, Lee’s past experience of 17 years at the carrier include being Assistant Chief leading one of the top premium distributions in the high-net-worth arena. She is one of very few in the brokerage market who achieved a prior insurance carrier underwriting single signature authority of $20M dollars.
Lee holds a Cum Laude Bachelor of Science Degree in Accounting from Grambling St. University, Grambling, LA. She enjoys her free time volunteering with the K-12 school she is the co-founder of, hunting, shopping and is the mother to one son, Evan who is a Senior Pre-Med student at Morehouse College in Atlanta, Ga.
Learn more: http://www.ajg.com/
Take advantage of the Gallagher Underwriting expertise platform that can move your life insurance consideration from a “success story” to reciprocal “successful solutions” Financial Professionals should ensure they continue to follow the current policies and procedures of their broker dealer and/or registered investment adviser and the insurance carriers they represent on the use of any advertising, third-party materials, sales processes and/or social media/internet use. This marketing presentation in no way supersedes the requirements of a financial professional’s license requirements or the policies and procedures of your broker dealer or registered investment advisory firm. This content is for informational and educational purposes, and is not designed, or intended, to be applicable to any person’s individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engages in (or refrains from) a particular course of action.
Scott Leonardi discusses the importance of extended care coverage
Listen to the interview on the Business Innovators Radio Network: Interview with Scott Leonardi Founder of Complete Solutions Discussing Home Healthcare
Scott Leonardi, founder of Complete Solutions, to discuss the critical topic of home health care and nursing home care. Scott emphasizes the growing need for long-term care services, revealing that statistically, seven out of ten people will require some form of long-term care in their lives. The discussion explores common misconceptions surrounding long-term care plans and highlights the importance of preparing for potential health challenges as we age.
In today’s society, the realities of aging and health care needs are often overlooked. However, statistics reveal a compelling truth: seven out of ten people will require some form of long-term care during their lifetime. This statistic underscores the critical importance of planning for potential health care needs in the future.
Long-term care encompasses a range of services designed to meet the personal care needs of individuals who are unable to perform basic daily activities due to chronic illness, disability, or aging. This care can take various forms, including:
Home health care: Assistance provided in the comfort of one’s home.
Assisted living: Residential facilities that offer support with daily activities.
Adult daycare: Programs that provide care and companionship for seniors during the day.
Nursing home care: Comprehensive care for individuals with significant health issues.
As we age, the likelihood of needing assistance increases. Scott Leonardi emphasizes that many people hold preconceived notions about long-term care, often believing it won’t happen to them. However, the statistics tell a different story: 70% of individuals will eventually require some form of care.
One of the most pressing issues surrounding long-term care is the financial burden it can impose. The average cost of long-term care in the United States exceeds $10,000 per month, which can quickly deplete savings and assets. Many individuals mistakenly assume that Medicare or their health insurance will cover these costs, but the reality is that most plans do not provide coverage for custodial care, which is often the type of care needed.
This financial strain can lead to significant challenges for families, as they may find themselves unprepared to handle the costs associated with long-term care. Scott highlights that many people do not set aside sufficient funds for this eventuality, often ignoring the need for a comprehensive plan.
Given the high probability of needing long-term care, it is crucial for individuals to take proactive steps in their planning. Here are some strategies to consider:
Educate Yourself: Understanding the different levels of care and the associated costs is the first step in effective planning. Knowledge is power, and being informed can help individuals make better decisions.
Consider Long-Term Care Insurance: Traditional long-term care insurance can provide a safety net, although it comes with its own set of challenges, such as increasing premiums. Exploring options like asset-based long-term care insurance can also be beneficial, as they offer a way to leverage existing assets for future care needs.
Create a Financial Plan: Setting aside funds specifically for long-term care can help mitigate the financial impact. The most strategic way to do this is to use an asset based Long Term Care plan. This leveraging concept can give you a larger, tax free pool of money to use for care. If care is not needed the money goes back to your beneficiaries.
Discuss with Family: Open conversations with family members about long-term care preferences and financial planning can ensure that everyone is on the same page and prepared for the future.
Utilize Resources: Books and resources, such as Scott Leonardi’s “Don’t Go Broke in a Nursing Home,” can provide valuable insights and strategies for planning.
Scott shared: “We serve as a trusted partner to our clients delivering smart, personalized planning that helps reduce taxes, protect assets, and preserve wealth across generations”
Video Link: https://www.youtube.com/embed/qjpHzMMaIZg
About Scott Leonardi
Scott Leonardi began serving families in 1995 as a licensed Life & Health insurance agent. In 1998, he founded Complete Solutions, a holistic planning firm dedicated to helping individuals and business owners protect their future. As a Certified Financial Fiduciary® and member of the National Association of Certified Financial Fiduciaries, Scott is committed to putting his clients’ best interests first.
A passionate advocate for financial education, Scott co-authored *Don’t Go Broke in a Nursing Home* to help people avoid costly mistakes that threaten their life’s work. His mission is to align insurance coverage with each client’s unique needs and lifestyle.
Outside of work, Scott enjoys time with his wife, five children, one granddaughter, and three Dobermans—and continues to campaign for that family boat.
Learn More: https://www.completesolutions.insure/
Recent news and interviews:
Scott Leonardi discusses what can mess up good retirement plans: Scott Leonardi, Founder of Complete Solutions, interviewed on The Influential Entrepreneurs Podcast, Discussing What Can Mess Up A Good Retirement Plan
Scott Leonardi discusses the importance of guaranteed income: Scott Leonardi Founder of Complete Solutions Interviewed on The Influential Entrepreneurs Podcast, Discussing Guaranteed Income
TEDxFolsom announces speaker lineup for upcoming event being held on August 16, 2025 at The Harris Center for The Arts.
Dave Barr Discusses achieving peace of mind in retirement
Listen to the interview on the Business Innovators Radio Network: Interview with Dave Barr Founder of Barr Asset Management Discussing Achieving Peace of Mind in Retirement – Business Innovators Radio Network
Dave Barr, founder of Barr Asset Management, discusses the crucial topic of achieving peace of mind in retirement. He explores the importance of strategic financial planning and the unique needs of clients as retirees. Dave notes the entertaining candor of Warren Buffett’s “investment rules”: preserve capital and avoid losses. Retirement opens the door to an era when many hope to fulfill lifelong dreams, i.e. the “bucket list”. This same era, however, also precludes as many opportunities for adjustments. Dave shares insights on navigating the ups and downs of the market and the importance of making informed decisions to secure a stable financial future.
Achieving peace of mind in retirement requires understanding and managing risk. In a recent podcast episode featuring Dave Barr, founder of Barr Asset Management, the significant changes in the investment landscape during the transition from the accumulation phase to the distribution phase of financial life were discussed.
Investment Philosophy: Dave Barr references Warren Buffett’s two rules for investing: “never lose money” and “don’t forget rule number one.” This underscores the importance of capital preservation for those nearing retirement. As individuals age, the ability to recover from market downturns diminishes, making it essential to consider some strategies more conservative in nature than during their working/earning/accumulating years.
Market Volatility: In younger years, individuals can afford to take more risk due to longer time horizons for recovery. As retirement approaches and one’s means are considered, generally, a measured reduction of risk exposure is prudent. Barr emphasizes that while remaining invested in the market can certainly be an option, post-retirement, strategies that now prioritize guaranteed returns and the safety of capital gain a new importance.
Adjusting Investment Strategies: Retirement is a new era when focus necessarily shifts from the accumulation of wealth to the mitigation of risk in order to avoid loss. This will, to some extent, involve the reallocation of assets into instruments that offer guaranteed returns and stability of values. Strategies like these can provide peace of mind to retirees by eliminating market volatility concerns and its effect on financial security.
The Importance of Planning
Budgeting for Retirement: Achieving peace of mind also involves understanding one’s financial needs in retirement. Barr suggests that individuals should have a clear picture of their monthly expenses, including housing, transportation, and healthcare costs. This budgeting process is crucial for determining how much income is needed to support lifestyle.
Guaranteed Income Sources: Having a reliable income stream is vital for financial stability in retirement. Social Security, pensions, and other guaranteed income sources can help retirees plan their budgets more effectively. Knowing that a specific amount of money will come in each month alleviates financial stress and allows for better, even happier, planning.
Addressing Unknowns: Retiree’s plans should also account for potential unknown expenses, such as healthcare costs or unexpected home repairs. Barr encourages clients to articulate these potential challenges and prepare for them, which can further enhance peace of mind.
Dave shared: “Empowering retirees to experience their retirement years dreams backed by tailor-made, professional financial strategies.”
Video Link: https://www.youtube.com/embed/v-Xb82O4KCY
About Dave Barr
Born and raised in Fort Wayne, Indiana, Dave Barr moved to Washington State in his late 20s and is the Founder/CEO of Barr Asset Management. Dave started his career in the financial industry at age 24, working in an agency and then transitioned as an independent practitioner in his 30s. His entry into the field began with a desire to do proper planning & financial management for himself. This led to the thought that perhaps others could use some help as well.
Dave has served clients, their families and their businesses since 1980. His professional acumen has led clients to describe him with words such as: “integrity”, “kind & caring”, “sound & timely advice”, and “a man that I’d trust daily with my personal checking account”. Although a solo practitioner, Dave believes that Barr Asset Management must be bigger than, more than just himself. As a result, his professional development has been enhanced by a collaboration with other advisors across the United States.
Dave is a Registered Investment Advisor representative holding a Series 65 license which allows him to manage investments and provide one-stop financial services to his clients across the Pacific Northwest and several other regions in the U.S. Early in his career, Dave received the Chartered Life Underwriter (CLU) designation conferred by The American College and is currently enrolled in studies for the Chartered Financial Consultant (ChFC) designation.
Dave and his wife, Sarah have been married for 30 years, they have 10 children and, presently, 14 grandchildren. Much of their life revolves around spending time with and enjoying their family. They attend New Heights Church in Richland, WA where Dave also serves as an elder. Additionally, Dave enjoys trekking to the outdoors to backpack, camp, fish & hunt.
Learn more: http://www.retirewithbam.com/
Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.
Recent Interviews and News:
Dave Barr Discusses Transitioning from Asset Accumulation to Income Generation: Dave Barr Founder of Barr Asset Management Interviewed on The Influential Entrepreneurs Podcast, Discussing Transitioning from Accumulation to Income – Authority Press Wire
Listen to the interview on the Business Innovators Radio Network: Interview with Ira Koyner Founder of Triathlon Partners Discussing Long – Term Tax-Efficient Investing – Business Innovators Radio Network
In his third appearance on Influential Entrepreneurs, Ira Koyner, founder of Triathlon Partners, returns to explore the next evolution in his approach to financial planning: building portfolios designed to endure volatility, preserve flexibility, and improve long-term outcomes through tax efficiency.
Koyner’s earlier episodes traced his professional journey from institutional trading to independent advisory work and examined why traditional diversification often fails to deliver true protection. This latest discussion focuses on what comes next—how to structure portfolios that not only grow, but help clients stay on track during challenging markets.
Investors often underestimate how significantly volatility and taxation can erode long-term returns. Koyner explains how modern investment tools—such as structured notes, Registered Index-Linked Annuities (RILAs), and tax-advantaged insurance products—can provide growth potential with greater downside protection and improved tax treatment.
These strategies are especially valuable for retirement-focused investors, where sequence-of-returns risk and unexpected tax consequences can dramatically alter financial outcomes. By using instruments with built-in risk controls and tax deferral features, portfolios can be more resilient while still supporting future income needs.
As with his prior appearances, the episode reflects the philosophy at the heart of Triathlon Partners: engaging clients in a thoughtful, ongoing process that evolves as their lives and goals do. Koyner’s approach emphasizes regular communication, personalized reviews, and strategies designed for endurance—not just growth.
As Ira shared: “My goal is to engage, educate, and empower clients with the knowledge to make informed and confident decisions that will help them attain their financial goals. Achieving your goals does not happen overnight. Like a triathlon, it requires discipline, endurance and preparation.”
Video Link: https://www.youtube.com/embed/ATjoMiWMU-0
About Ira Koyner
Ira Koyner’s successful thirty-year career as an accomplished financial services professional has been driven by sound risk management, effective communication, and a commitment to education.
Ira Koyner is a devoted husband and father, he knows providing for your family is more than a responsibility, it is a priority. The cost of day to day expenses, paying for several college educations, funding retirement and providing lifetime financial support for his son with special needs are his priorities. He is grateful to have them. These priorities are not a burden, but rather a part of a rich and prolific life. Financial goals envelop more than responsibilities. They are the journey and destination, fueled by hard work, perseverance and success. Creating a financial plan that protects your family and secures the financial future doesn’t have to be overwhelming. As a dedicated financial advisor, he is committed to fostering a transparent client-advisor relationship. He is proud that his firm is independent, and not tied to a massive conglomerate’s products, platform and rigidity. His clients have the access to over thirty life and annuity companies, several structured note and alternative investment platforms and dozens of issuers. Triathlon Partners is located in Weston CT, in the heart of Fairfield County CT
Learn more: http://www.triathlonpartners.com/
Recent Interviews and News:
Interview with Ira Koyner Founder of Triathlon Partners: Ira Koyner, Founder of Triathlon Partners Interviewed on The Influential Entrepreneurs Podcast – Authority Press Wire
Ira Koyner Founder of Triathlon Partners Discussing Investment Diversification: Ira Koyner, Founder of Triathlon Partners, Interviewed on The Influential Entrepreneurs Podcast Discussing Investment Diversification – Authority Press Wire
TRIATHLON PARTNERS LLC, is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
Investment Advisory Services are offered through TRIATHLON PARTNERS LLC, a registered investment adviser. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions. information considered reliable, although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Investments involve risk and unless otherwise stated are not guaranteed. Past performance cannot be used as an indicator to determine future results. Any strategies mentioned may not be suitable for everyone, information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for you. Before acting on any information mentioned, please consult with a qualified tax or investment advisor to determine if it is suitable for
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Ascent Dealer Services names James Mercer as VP of Sales to support national expansion in the automotive F&I space. With leadership experience at Protective, Mercer joins CEO Adam Marburger to drive performance, mentorship, and innovation. The move aligns with Marburger’s vision, seen in his leadership series Training Camp and upcoming return to NADA 2026.