Fiduciary Insurance Services, LLC. (FIS) is founded on the belief that the future of holistic financial advice in the United States should, when appropriate, include risk-pooled products, offered by insurance companies, within institutionally-sponsored wealth management paradigms. Recent evolutions in fee-based retail product development, as well as in technology, the regulatory landscape, and additional connective services offered to RIAs, make scalable advice on insurance within a retail fiduciary context a real possibility in the United States. Notwithstanding recordkeeping technology, portability kinks, and other integrative work needed to enable in-plan annuities, the recent passage of the SECURE Act also makes a variety of institutionally-enabled income options more viable now than ever before. Life insurance and annuities can be valuable aspects of a holistic plan when the benefits of risk pooling, which is the core service provided by insurance products, outweigh the combination of financial and psychological costs of not protecting against a given risk. FIS supports the creation of integrative wellness and wealth management programs that take morbidity and mortality-contingent interests into account when developing long term optimization approaches. FIS understands that, while ASSET management views the world through the lens of the asset and its maximization/accumulation, WEALTH management instead views the world from the consumer's lifetime optimization lens, in which both sides of the consumer's balance sheet must be considered. Understanding that achieving financial wellness depends upon managing the interaction between assets and liabilities, WEALTH managed constructs enable the repeatable demonstration of the value of a variety of insurance constructs, when holistically integrated into a consumer's portfolio.