Maddy Dychtwald is a nationally recognized author, co-founder of Age Wave, and a leading expert on the changing demographic trends shaping the marketplace, the workplace and our lives.

Having spent twenty-five years exploring and forecasting lifestyle, marketing and retirement implications of the age wave, she has recently emerged as a renowned authority on the economic ascent of women, including its impact on the financial services industry.

It seemed obvious several years ago that retirees would shoulder much of the burden of the financial crisis and its residual effects.

While events have generally played-out in line with this projection, the backlash from seniors has been surprisingly subdued.  The lack of pitchforks seems odd given the fact that the number of retirement age voters is increasing by 10,000 each day in the United States.

Is there a sense of “swimming upstream” when trying to propagate goal-based investing--as described in your new book Risk Less and Prosper--among existing financial advisors? Conventional practices and economic incentives are so heavily skewed towards modern portfolio theory and growing assets under management. 

Jerry Golden--often referred to as the father of variable life insurance and variable annuities--has had a distinguished career as an innovator and entrepreneur in both the insurance and personal retirement businesses.

Jerry most recently spent four years as president of the Income Management Strategies Division at MassMutual after selling his business to the company in June, 2005.

Since leaving MassMutual in May, 2009, Jerry has been actively developing a new venture which will deliver yet another set of innovations to the personal retirement marketplace.