Editorial Board

Tamiko Toland

Co-Founder & CEO, IncomePath

Co-Founder & CEO, IncomePath | Founder, 401(k) Annuity Hub | Former Head of Lifetime Income Strategy, TIAA | Former Managing Director, Strategic Insight | Former Director, CANNEX Financial Exchanges. 

An award-winning educator widely known as the Annuity Yoda, Tamiko has spent more than two decades shaping how the industry and advisors understand guaranteed income. She has led retirement market research and innovation at TIAA, CANNEX, and Strategic Insight, and served as Managing Editor of Annuity Market News. Today, through IncomePath and the 401(k) Annuity Hub, she continues to translate complex retirement concepts into clear, actionable insights that improve advisor communication and client confidence. 

Scott Stolz, CFP, RICP

Former President, Raymond James Insurance Group, Global Wealth Solutions

Former Managing Director, iCapital / SIMON | Former President, Raymond James Insurance Group, Global Wealth Solutions | Former Senior Vice President, Jackson National Life 

Scott is one of the industry’s most recognized retirement-income strategists. Over more than three decades, he led product and distribution for Raymond James, guided insurance strategy at SIMON/iCapital, and helped shape advisor education across investment and annuity platforms. His perspective bridges the gap between wealth management and guaranteed income planning. 

John Rafferty

Principal, Rafferty Annuity Framing

Principal, Rafferty Annuity Framing | Former Vice President, Business Development, Symetra Financial | Former Vice President and Head of Retirement Marketing, Symetra Life | Former Vice President, Marketing Account Management, AIG American General 

John brings 25+ years in annuity marketing and distribution leadership. At Symetra, he led business development and retirement marketing; at AIG, he oversaw multi-channel product marketing across life and annuity lines. Today, through Rafferty Annuity Framing, he helps firms craft clearer narratives around retirement income solutions. 

Harsh Muthal

Former Global Telecom Industry Leader, IBM

CEO, Biz Mantra Inc. | Former Global Telecom Industry Leader, IBM | Former SVP, Telecom & Media, Satyam | Former Founder & CEO, Meadowood Global Consulting 

Harsh brings to AdvisorExtra a powerful focus on sales strategy, motivation, and leadership development. Drawing on decades of experience leading global enterprise sales teams, he helps advisors and business leaders strengthen their approach to selling, team performance, and client engagement.  

His insight into what drives consistent sales excellence adds a performance-oriented lens to AdvisorExtra’s editorial direction—ensuring our content speaks to the realities of growth, leadership, and execution in the field. 

Jay Singh

Co-Founder & Head of Client Solutions, Hedgeness

Co-Founder & Head of Client Solutions, Hedgeness | Publisher, AdvisorExtra | Former Financial Advisor, Morgan Stanley 

Jay leads the vision for AdvisorExtra and Hedgeness, an AI-powered software company serving insurance carriers and financial advisors. A former Morgan Stanley advisor turned fintech entrepreneur, he has spent nearly a decade helping firms modernize sales and marketing through data, design, and intelligent automation—creating simpler, smarter ways to communicate retirement concepts.