On this week's Lebenthal Report we welcome Tom Duncan. Tom Duncan is a senior director in the Advanced Consulting Group for Nationwide and has been with the company since 2000. He has written for numerous financial industry publications and is a much-requested speaker on annuity planning. Tom holds a Juris Doctor from the University of Dayton, a bachelor's degree in economics from Denison University, and the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Chartered Advisor for Senior Living (CASL) designations. His areas of specialty include annuities, IRAs, retirement income planning, and estate planning.