This week, David Lau talks with Tom Smith, Chief Growth Officer at DPL Financial Partners, about the evolution of the 401(k) market and the current shift toward commission-free, advisory insurance. From deconstructing outdated commission structures to modernizing technology, workflows, and advisor experience, they discuss how DPL is bridging the gap for RIAs and hybrid advisors, turning insurance and annuities into a core component of modern, holistic advice. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.