A New Era of Annuities: Insights from David Lau of DPL Financial Partner

On Zephyr’s Adjusted for Risk Podcast, host Ryan Nauman welcomes David Lau, founder of DPL Financial Partners, to discuss how modern, low-cost, commission-free annuities can help address retirement income gaps as pensions decline and Social Security remains uncertain. Lau explains why annuities are polarizing—largely due to commissions driving higher costs, complexity, and surrender periods—and how DPL works with carriers and technology to bring over 100 commission-free products to fee-based and fee-only advisors. They cover key use cases including lifetime income, downside protection to manage sequence risk, and tax deferral for high earners, plus replacing older, higher-cost annuities. Lau also describes how commission-free annuities can help advisors differentiate with prospects, increase recurring fee revenue, improve firm valuation, and support independence by bringing annuity assets under management without maintaining a broker-dealer affiliation. Learn more about Zephyr here. Learn more about DPL Financial Partners here. 00:00 Welcome and Setup 01:33 Meet David Lau 04:32 Why Annuities Polarize 06:44 Commission Free Evolution 11:36 Retirement Income Benefits 14:16 Income Riders Explained 17:29 Suitability and Liquidity 20:18 Simple Products Not Sold 21:50 Advisor Use Cases 23:54 Practice Growth and Value 26:36 Independence Transition Hurdles 30:25 Planning Your Move 32:25 Wrap Up and Resources Connect with Ryan Nauman: LinkedIn X

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This episode was published on March 31, 2026.

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