Northwestern Mutual has a unique business model of using an exclusive field force to sell its products, aligning employees, field representatives, and customers. This "circle of success" has led to strong customer satisfaction and financial performance. The company focuses on long-term relationships rather than short-term gains. CEO Ed Zore attributes their success to sticking to core values and continuing to innovate, such as by pricing long-term care products higher than competitors initially. They also focus on the large US market rather than expanding internationally.
Myer Family Wealth Goal Achiever- InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
Learn more at www.inknowvision.com
Myer Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
The primary planning goals are to:
Make sure that he has sufficient funds to live on for the rest of his life (approx. $600,000/yr., including alimony, after taxes and gifts).
Reduce income taxes.
Maximize the inheritance that he leaves to his children and grandchildren. Consider passing his business interests to his children involved in the industry while providing an equal inheritance of non-business interests to those that are uninterested.
Assure that he has sufficient liquid assets available at his death to eliminate the forced liquidation of his business assets.
Eliminate or reduce estate taxes.
Myer Family Wealth Goal Achiever- InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
Learn more at www.inknowvision.com
Myer Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
The primary planning goals are to:
Make sure that he has sufficient funds to live on for the rest of his life (approx. $600,000/yr., including alimony, after taxes and gifts).
Reduce income taxes.
Maximize the inheritance that he leaves to his children and grandchildren. Consider passing his business interests to his children involved in the industry while providing an equal inheritance of non-business interests to those that are uninterested.
Assure that he has sufficient liquid assets available at his death to eliminate the forced liquidation of his business assets.
Eliminate or reduce estate taxes.
Thomason Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Learn more at www.inknowvision.com
John is 48 and recently divorced with two young children. He currently spends about $200,000 a year after taxes. John owns and operates a trucking company which creates significant taxable income each year in excess of $2M. This income is somewhat deceiving because it’s not really free cash to John. Instead, he uses the profits to plow back into his business so that he can purchase and transport more product. In this planning scenario, it is essential that John have the ability to push all of his company profits each month back into the business to build and grow value for future sale.
Learn more at www.inknowvision.com
Thomason Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Learn more at www.inknowvision.com
John is 48 and recently divorced with two young children. He currently spends about $200,000 a year after taxes. John owns and operates a trucking company which creates significant taxable income each year in excess of $2M. This income is somewhat deceiving because it’s not really free cash to John. Instead, he uses the profits to plow back into his business so that he can purchase and transport more product. In this planning scenario, it is essential that John have the ability to push all of his company profits each month back into the business to build and grow value for future sale.
Learn more at www.inknowvision.com
Branding Playbook: Your Company Or Your AgenciesRod Brooks
Insights from CMO of NW challenger brand, PEMCO Mutual Insurance Company, on topic of branding your company while working closely with partner agency brands.
Includes discussion of brand ladder, brand advocacy, and effective collaboration techniques. Presented at NAMIC Personal Lines Seminar, April 2011 by CMO Rod Brooks
Goodbye Windows 11: Make Way for Nitrux Linux 3.5.0!SOFTTECHHUB
As the digital landscape continually evolves, operating systems play a critical role in shaping user experiences and productivity. The launch of Nitrux Linux 3.5.0 marks a significant milestone, offering a robust alternative to traditional systems such as Windows 11. This article delves into the essence of Nitrux Linux 3.5.0, exploring its unique features, advantages, and how it stands as a compelling choice for both casual users and tech enthusiasts.
Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
Sudheer Mechineni, Head of Application Frameworks, Standard Chartered Bank
Discover how Standard Chartered Bank harnessed the power of Neo4j to transform complex data access challenges into a dynamic, scalable graph database solution. This keynote will cover their journey from initial adoption to deploying a fully automated, enterprise-grade causal cluster, highlighting key strategies for modelling organisational changes and ensuring robust disaster recovery. Learn how these innovations have not only enhanced Standard Chartered Bank’s data infrastructure but also positioned them as pioneers in the banking sector’s adoption of graph technology.
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
Generative AI Deep Dive: Advancing from Proof of Concept to ProductionAggregage
Join Maher Hanafi, VP of Engineering at Betterworks, in this new session where he'll share a practical framework to transform Gen AI prototypes into impactful products! He'll delve into the complexities of data collection and management, model selection and optimization, and ensuring security, scalability, and responsible use.
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
Observability Concepts EVERY Developer Should Know -- DeveloperWeek Europe.pdfPaige Cruz
Monitoring and observability aren’t traditionally found in software curriculums and many of us cobble this knowledge together from whatever vendor or ecosystem we were first introduced to and whatever is a part of your current company’s observability stack.
While the dev and ops silo continues to crumble….many organizations still relegate monitoring & observability as the purview of ops, infra and SRE teams. This is a mistake - achieving a highly observable system requires collaboration up and down the stack.
I, a former op, would like to extend an invitation to all application developers to join the observability party will share these foundational concepts to build on:
Enchancing adoption of Open Source Libraries. A case study on Albumentations.AIVladimir Iglovikov, Ph.D.
Presented by Vladimir Iglovikov:
- https://www.linkedin.com/in/iglovikov/
- https://x.com/viglovikov
- https://www.instagram.com/ternaus/
This presentation delves into the journey of Albumentations.ai, a highly successful open-source library for data augmentation.
Created out of a necessity for superior performance in Kaggle competitions, Albumentations has grown to become a widely used tool among data scientists and machine learning practitioners.
This case study covers various aspects, including:
People: The contributors and community that have supported Albumentations.
Metrics: The success indicators such as downloads, daily active users, GitHub stars, and financial contributions.
Challenges: The hurdles in monetizing open-source projects and measuring user engagement.
Development Practices: Best practices for creating, maintaining, and scaling open-source libraries, including code hygiene, CI/CD, and fast iteration.
Community Building: Strategies for making adoption easy, iterating quickly, and fostering a vibrant, engaged community.
Marketing: Both online and offline marketing tactics, focusing on real, impactful interactions and collaborations.
Mental Health: Maintaining balance and not feeling pressured by user demands.
Key insights include the importance of automation, making the adoption process seamless, and leveraging offline interactions for marketing. The presentation also emphasizes the need for continuous small improvements and building a friendly, inclusive community that contributes to the project's growth.
Vladimir Iglovikov brings his extensive experience as a Kaggle Grandmaster, ex-Staff ML Engineer at Lyft, sharing valuable lessons and practical advice for anyone looking to enhance the adoption of their open-source projects.
Explore more about Albumentations and join the community at:
GitHub: https://github.com/albumentations-team/albumentations
Website: https://albumentations.ai/
LinkedIn: https://www.linkedin.com/company/100504475
Twitter: https://x.com/albumentations
GraphSummit Singapore | The Art of the Possible with Graph - Q2 2024Neo4j
Neha Bajwa, Vice President of Product Marketing, Neo4j
Join us as we explore breakthrough innovations enabled by interconnected data and AI. Discover firsthand how organizations use relationships in data to uncover contextual insights and solve our most pressing challenges – from optimizing supply chains, detecting fraud, and improving customer experiences to accelerating drug discoveries.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
GridMate - End to end testing is a critical piece to ensure quality and avoid...ThomasParaiso2
End to end testing is a critical piece to ensure quality and avoid regressions. In this session, we share our journey building an E2E testing pipeline for GridMate components (LWC and Aura) using Cypress, JSForce, FakerJS…
Securing your Kubernetes cluster_ a step-by-step guide to success !KatiaHIMEUR1
Today, after several years of existence, an extremely active community and an ultra-dynamic ecosystem, Kubernetes has established itself as the de facto standard in container orchestration. Thanks to a wide range of managed services, it has never been so easy to set up a ready-to-use Kubernetes cluster.
However, this ease of use means that the subject of security in Kubernetes is often left for later, or even neglected. This exposes companies to significant risks.
In this talk, I'll show you step-by-step how to secure your Kubernetes cluster for greater peace of mind and reliability.
2. Northwestern Mutual may be known as the “quiet company” but, as CEO Ed Zore
explains in an exclusive interview, the insurer’s unique relationship with its policyholders
and employees means they’re far from silent partners. By Ben Thompson
I
t’s a pretty good time to be a Northwestern Mutual cus- “It’s different than just about everybody else’s in the industry
tomer right now. This year the company – one of the na- and it works very well,” he says. “We don’t sell our products through
tion’s largest providers of insurance, wealth management any channel but our own fi eld force, meaning they are aligned with
and business planning with over $1 trillion of life insurance our values. We call it the circle of success. We’ve been practicing it
protection in force – expects to pay out dividends of more for 150 years and it gets more complicated and more difficult every
than $5 billion to participating policyowners this year. The year, but we want to link everybody together so that our customers,
company recently topped a customer satisfaction survey our field representatives and employees all have a common interest
carried out by the American Customer Satisfaction Index, in the outcome. We’re a mutual company, so we don’t have to worry
and has also won plaudits for the quality of its products and about short-term earnings volatility or quarterly earnings per share,
services. Satisfied customers? Check. which gives us an advantage. And because our business model is so
It’s a pretty good time to work for the company, too. BusinessWeek successful, the latest industry fads or trends don’t distract us. We
has called it one of the 50 best places to launch a career, its internship don’t have our head in the sand, we just continue to keep getting
program has just been voted one of the 10 best in the country and it better at what we do.”
regularly wins kudos for being among the best companies to work for
in America. In a recent Fortune survey, the company’s people manage- Recipe for success
ment practices also won top marks, and the company is rightly proud It certainly appears to be a winning formula. “I think our
of the fact that in its 150-year history it has never laid off an employee. competitors look at us and think that we’ve got it all figured out,”
Happy workers? You bet. laughs Zore. “My peers often say to me
All of which suggests it’s a great time
Number crunching that they don’t even think we have the
to be Ed Zore, Northwestern’s President same problems. They think that we’re
and CEO. “Things are going pretty well somehow immune to the issues they
$1 TRILLION + of life insurance
at the moment,” he acknowledges with a deal with. The fact of the matter is we’re
protection in force
modest smile. “We’re No. 1 in individual not; we just deal with them on a differ-
life insurance. We’re No. 2 in disability ent basis. And because we have our own
$157 BILLION in total assets
income insurance. We’re No. 4 in long- aligned field force, we don’t have to pro-
term care. We’re gaining market share in duce the product de jour. We don’t have
$21 BILLION in revenues
investment products. So all in all we’re to come up with mispriced products if we
pretty pleased with the ways things are don’t think they’re going to be viable in
3.3 MILLION life insurance policy-
going right now.” A contented chief ex- the long-term.”
owners with more than five million
ecutive, then? Absolutely. After all, who The most recent example of this
policies
wouldn’t be pleased with being named commitment can be seen in Northwest-
America’s Most Admired insurer in For- ern’s recent foray into the long-term care
$5.6 BILLION in benefits paid to
tune’s prestigious annual survey for a market. “We did all the risk analysis and
policy-owners or their beneficiaries
landmark 25th year – the only company looked at claims expectations, and we
in 2007
to have led its industry every year it has came out with a product that was priced
been included? 85 percent above the market,” says Zore.
$5 BILLION in dividends expected
Zore attributes much of the com- “Our field force thought we were nuts.
to be paid to policy-owners in 2008
pany’s sustained success to its unique But we kept running the numbers and felt
during 2007
business model. that we had the price pretty much nailed
www.busmanagement.com 77
3. the company’s core values,” says Zore.
“They know that in the long-term we’re
going to produce the right products at
the right prices; that’s the bottom line.
Everybody understands that we’re not
in the business of making the most
money, we’re in the business of deliv-
ering the best long-term value to our
policyowners – and as a result, every-
body involved with the organization is
going to be a beneficiary of that.”
No place like home
In many ways, the company can
be considered an extended commu-
nity of stakeholders – and like any
community, it has a real sense of
place. For instance, unlike other in-
surers, Northwestern has taken the
strategic decision to focus on the US
market rather than expand overseas.
I a bold move in an already saturated market, but one that Zore
It’s
b
believes can reap enormous returns. “We took a look around the
w
world at how products are sold and what kind of products are
of
offered, and they don’t match with what our core competency is
– delivering solutions through an aligned distribution system and
bu
building long-term customer relationships,” he explains. “On the
oth hand, we already have a big footprint in the US and we’re
other
gai
gaining market share in all of our products, so why should we go
wan
wandering around the rest of the globe when we’re gaining market
sha here? It’s a huge market. I think we can probably double or
share
trip where we are right now, and the only thing holding us back is
triple
get
getting more people out in the field to interact with prospects and
clients and take care of their needs.”
clie
“We’re trying to
Playing to Northwestern’s strengths is a strategy that Zore hopes
deliver long-term else had it wrong. What hap
wrong hap- will minimize unnecessary risks for its customers – a key consideration
product value and pened next? Everybody else in the current climate. “Pretty interesting times, aren’t they?” he says
solutions to our either left the business or with a wry smile. The company has a long-held reputation for safety,
customers, and had to raise their prices to stability and performance during difficult times, and with fears over a
the extent that we’re actu- global recession growing he believes this will stand his firm in good
that involves a lot of
ally now very competitive.” stead – and that Northwestern is well placed to weather any potential
innovation internally” The result is that North- financial crisis. “We’ve got a well-balanced investment portfolio and
western Long Term Care now in the long run it does very well,” he explains. “But we’ve also got
has a healthy four percent a huge capital base. One of our overall goals is to remain as strong
market share in a competitive environment, and is growing at double- financially as we can in anticipation of rough times, so that in troubled
digit rates in an industry that has seen declines in sales over the last few markets we know the capital is there to support the business, to help
years. “Our sales force criticized us at first for pricing the product so high, us grow and to cover any potential problems.”
but because they believed in what we do they just got on with selling it In fact, he feels the current climate actually provides a time of
and now business is booming. They’re getting real traction with it.” opportunity for operators such as Northwestern. “The weak play-
As you would expect from a company that has built its reputation ers will get flushed out, and we know we’re going to come out of
over a hugely successful 150-year history, being in it for the long-haul this thing in much better shape than most others. We don’t have
is critical to its plans for the future, too. “It’s really about having every- leveraged investments. We’re very good at selecting our invest-
one – our employees, our field force and our policyowners – buy into ments. And we don’t sell products to attract hot money so we don’t
78 www.busmanagement.com
4. risk a run on the bank. The whole business is managed towards tion,” he says. “We’ve been managing money on a different basis to
long-term financial strength and economic viability.” our competitors for as long as I can remember – for instance, we were
managing for total return in 1980 before most people in our business
Keeping ahead of the competition even knew what that term meant.
But, as with any business, resting on your laurels will only result in “We try to be at the forefront of operating efficiency and we bench-
complacency. So how does a firm such as Northwestern, a byword for mark ourselves against other operators in any activity that we do. So,
steadfast reliability, keep evolving to keep up with the times and stay we continually try to improve how we do things to deliver long-term fi-
ahead of the chasing pack? “We’re not trying to nancial security. And for us, that’s innovation.
come out with new, fancy, gizmos that nobody It’s not coming out with complicated options
understands. We’re trying to deliver long-term Northwestern’s $121 bil- and products that nobody understands. It’s
product value and solutions to our customers, lion investment portfolio just doing a good job of keeping the business
and that involves a lot of innovation internally,” relevant. To us, innovation is not necessarily
says Zore. “It’s about innovation in our busi- • 80% fixed income about the fancy bells and the whistles. It’s
ness model. For example, everybody thinks • 20% equities about what you do to your internal processes
of us as a life insurance company, but we’re • 8% average annual growth and your business model, and it’s all about
really a financial security company. Our field over 10-year period keeping the customers satisfied.”
force activity delivers financial investment so- So where next for America’s most ad-
lutions to fit our clients’ needs, and this is one mired insurer? How do you keep improving
of our fastest growing areas – if they’re doing a good job of identifying on excellence? “I would like to think that the folks in our organization
what people need, they’re not just selling life insurance anymore, they’re have the attitude now that no matter how good we are, we’re going to
taking care of a lot more needs. And so we’re still delivering on the prom- get better,” he concludes. “We’re going to be in a different place by the
ise of good value, but the business model keeps evolving to deliver what time the competition catches up with us, but we’re not going to lose
our clients and customers need for long-term financial security.” our core values. We’re still going to be focused on the long term. We’re
He cites the company’s operations as one such example of how still going to be focused on high quality. We’re still going to be focused
Northwestern is thinking ahead of its rivals. “Our investment portfolio on integrity. We’re still going to be focused on relationships. But we’re
here is much more innovative and creative than most of the competi- going to be better than anybody in the world at it.”
Q&A: leadership brokerage activity, report to me. When I became mind. I’m very blunt, very direct, very open,
CEO, I think the thing that gave me the edge and I expect people to be the same with me –
BM. You’ve been in charge for seven years was my knowledge of the financial markets and in other words, I expect the communications
now. Do you think the company in its current my old instincts as a trader. I’m action-oriented around this place to be very direct, very open
incarnation is a reflection of your leadership and I have a lot of people around me that try to and very honest and continuous. So instead
style, or were you chosen because your slow me down, which is good. It’s about putting of waiting for an internal press release about
particular qualities embodied the long-held a bunch of skills and competencies together to what’s going on, I expect to have a stream of
values of the company? get the right balance. communication so that there’re no surprises
EZ. I think I was chosen because they believed And when I became CEO, my two and everybody understands what the deal
that I had some skills that would be important competitors for that job stayed with me, which is. And I think that’s been successful. We’re
at that juncture in the company’s history – is very unusual. I gave them big chunks of the much better now in terms of how we interact
they being the trustees, who are like our board business because I needed them; they were with all of our
of directors. happy, I was happy and the company basically constituencies
I came up through the investment ranks. got the best of all three candidates. If every than we were 10
I started out trading stocks, and I still have company could do that I think it would work years ago.
a Bloomberg on my desk. I love the markets well. I didn’t let my ego get in the way; I’ve
and I know what’s going on, and I ended up learned over the years what I’m good at and
creating a whole new investment activity in what I’m not good at, and I try to get really
the company. As a result, I got to be intimately good people to take care of all the things that
involved in the financial aspects of the they’re best at and that to me is what makes a
company. I became chief investment officer, successful leadership style.
then chief financial officer. I did a stint as head The other thing I was able to do was
of insurance operations and even had the open up communications. I’m a no BS kind
investment products area, which is our outside of person. I usually tell people what’s on my
The Northwestern Mutual Life Insurance Company, (NM), of Milwaukee, Wisconsin, has subsidiaries and affiliates comprised of Northwestern
Mutual Investment Services, LLC, a wholly-owned company, of NM, broker-dealer, member of FINRA and SIPC; Northwestern Mutual Wealth Management
Company, a wholly-owned company of NM, and limited purpose federal savings bank; and Northwestern Long Term Care Insurance Company. www.busmanagement.com 79