Darwin Bayston, CFA

Darwin Bayston is President and CEO of the Life Insurance Settlement Association (LISA). His charge is to extend the outreach of the Association to all participants of the life settlement industry from consumers to capital providers, including producers, brokers, providers and service providers who are part of the life settlement market. He was previously Managing Director of Life Settlement Consulting & Management (LSCM), founded in 2004 and specialized in life settlement policy and portfolio valuations, and life expectancy analysis. He has published several articles and participated as speaker at a number of life settlement conferences. Previous to that he operated an investment advisory firm. From 1980 to 1993, he served in several capacities, including President and CEO the CFA Institute (and its predecessor organizations). While at CFA, he founded the continuing education program, was editor of the CFA Digest and supervised research projects funded by the Research Foundation of the ICFA. He began his career as an investment analyst with a Midwest life insurance company. Mr. Bayston has been Chairman of the Martha Jefferson Hospital Foundation ($100 million), a member of the Hospital’s Finance Committee and a past member of the Board of the Institute for Quantitative Research and Finance (Q Group).

Recent Posts

5 Tips for Helping Your Retired Clients Cope with Spending Their Savings

Mar 28, 2019 12:00:00 AM / by Darwin Bayston, CFA

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Most baby boomers were raised with an ethic of working hard for their whole lives, saving a little money along the way and hoping they would stash away enough in savings to enjoy their retirement years.

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Talking About Life Policy Value Could Prevent Panic Stock Sales

Feb 14, 2018 12:00:00 AM / by Darwin Bayston, CFA

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It’s likely that some of your clients were lulled into a false sense of security with the seemingly endless string of “green” days on Wall Street over the past few years. If so, they were shocked back into reality in the month of February.

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Three Steps Toward A Better Retirement In 2018 Did You Know?

Feb 5, 2018 2:45:00 PM / by Darwin Bayston, CFA

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For seniors who have already entered retirement, there are some important things that can be done in 2018 to make it better and more fulfilling:

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Getting Past the “Ick” Factor

Dec 4, 2017 1:15:00 PM / by Darwin Bayston, CFA

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How to talk to your clients about the idea of selling their life insurance policies.

Wealth managers and estate planners are becoming more familiar with life settlement transactions, in which your client sells his policy to a third-party investor and receives a cash payout, thereby monetizing the asset immediately. The new owner takes responsibility for paying the premiums and collects the policy’s death benefit when the client passes away.

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4 Things to Tell Older Clients About Their Life Insurance

Nov 21, 2017 11:07:00 AM / by Darwin Bayston, CFA

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For advisors who work with clients already in retirement, it can be challenging to know exactly what kind of advice to provide seniors when it comes to life insurance.

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Information About 23rd Annual Fall Life Settlement Conference

Oct 23, 2017 2:16:00 PM / by Darwin Bayston, CFA

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ORLANDO, Fla., Oct. 17, 2017 (GLOBE NEWSWIRE) -- Many American families today are facing financial security challenges and need to know their life insurance policies may be able to be monetized to help them address those financial needs, according to E. Benjamin Nelson, a former two-term U.S. Senator from Nebraska.

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The “Senior’s Right to Know” Movement Gains Momentum: What if a Senior No Longer Needs their Life Insurance?

Sep 17, 2017 11:32:00 AM / by Darwin Bayston, CFA

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This summer, the State of Florida gave a jolt to the growing “Senior’s Right to Know” movement in America – and all registered financial consultants need to be aware of these latest developments.

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Brace Your Baby Boomer Clients

Aug 22, 2017 5:48:00 PM / by Darwin Bayston, CFA

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The boomers’ existence could hurt their own investment returns



As millions of baby boomers continue their mass exodus from the workforce to retirement, they are already coming to grips with the reality that investment returns in the coming years are unlikely to keep pace with those of recent history, as illustrated by the modified projections recently used by Calpers and other major institutional investors. Now comes a new study that adds insult to injury: the principal driving force for these depressed returns is none other than the baby boomer generation itself.

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Florida Governor Signs Bill Requiring Consumers Be Advised to Consult with Professional Before Making Changes to Life Insurance Policy

Jun 27, 2017 3:07:00 PM / by Darwin Bayston, CFA

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ORLANDO, Fla., June 27, 2017 (GLOBE NEWSWIRE) -- Florida Gov. Rick Scott signed legislation yesterday that contains a key consumer disclosure requirement to protect Florida consumers who are considering making changes to a life insurance policy.

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Helping Your Clients Afford a More Expensive Retirement

Apr 26, 2017 1:35:00 PM / by Darwin Bayston, CFA posted in Financial Advisors, life settlement

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The sustained low interest rate environment brought on by the financial crisis of the late-2000s has forced financial planners to revisit some of the broad assumptions we’ve made in the past for projecting portfolio returns. A new article in the Journal of Financial Planning, “Planning for a More Expensive Retirement,” takes this anecdotal reality to an empirical level by studying the implications of continued low returns on retirement plans.

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