Dylan Huang | SVP, Head of Retail Products
It is important to not only protect the health and safety of our loved ones, but also to safeguard our own financial future. Read how managing retirement income can correlate with market timing and learn how we can to battle sequencing risk with retirement products like annuities.
The uncertainty of our financial markets and the broader economic picture raise concerns for those in or nearing retirement. With a clearer understanding of the retirement landscape and financial risks in retirement, particularly the sequence-of-returns risk, individuals can plan for a more secure financial future.
It may seem that a simple solution for reducing a retiree’s sequence-of-returns risk would be to encourage pre-retirees to reduce equity holdings in their portfolios in favor of fixed-income investments. However, this approach compromises the portfolio’s upside potential and may even lead to quicker depletion of one’s long-term savings.
As your family grows, so do your needs.
Learn how we can help you meet your retirement goals and prepare for your family's future.
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Dylan Huang is senior vice president and head of retail products at New York Life, with oversight across life insurance, annuity, disability income, long-term care, business solutions, investments, and wealth management solutions. In addition, Mr. Huang is a member of various senior management committees, including the Product Approval, Capital Investment, Asset-Liability, and Operating Expense Committees.
Mr. Huang began his career at New York Life in 2001 and advanced to leadership roles of increasing scope in the company's Life Insurance, Annuities, Agency, and Corporate Finance divisions. He is a recognized thought leader in the retirement industry for product development, patents, and award-winning retirement research and is frequently sought by members of the media for his insights on retirement topics. In 2021, Mr. Huang received the Outstanding 50 Asian Americans in Business Award from the Asian American Business Development Center.
Mr. Huang is a member of The American College's advisory boards for its Center for Retirement Income, which elevates retirement income planning knowledge of financial service professionals to improve retirement security for Americans, and its Granum Center for Financial Security, which strengthens the financial services industry through knowledge and insight that professionals can use to help their clients achieve financial security. He also sits on the board of Virtual Enterprises International, an organization dedicated to providing middle and high school students with immersive business and entrepreneurial experiences.
Mr. Huang is a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries. He holds a Master’s degree from the University of Connecticut and a Bachelor’s degree from the University of British Columbia.
Annuity guarantees are subject to the claims-paying ability of the issuer. This material is general in nature and is being provided for informational purposes only. It was not prepared, and is not intended, to address the needs, circumstances, and/or objectives of any specific individual or group of individuals. Asset allocation, diversification, and rebalancing do not guarantee a profit or assure against market loss.