In honor of America’s 250^th anniversary, organizers from all 50 states highlighted contributions that people, businesses and organizations from their states made to the country over the last 250 years to help improve the lives of their fellow Americans. In Ohio, the America 250 - Ohio Commission chose to recognize the seatbelt advocacy campaign, started by Nationwide.  

Nationwide worked alongside lawmakers and public safety partners to help advance legislation designed to save lives. That work helped shape the seat belt laws in place today — and reflects the company’s broader belief that protection extends beyond products and policies. 

As you and your family take to the open road this weekend, remember to drive safe, fasten your seatbelt and protect what matters most. 

Nationwide has announced that Trisha Barhorst will become the new leader of Personal Lines Operations, effective Aug. 17. In her new role, Barhorst will oversee claims, servicing and underwriting operations while advancing the organization’s operating discipline. Barhorst will succeed Jeff Rommel, senior vice president, Personal Lines Operations, who recently announced his plans to retire in January 2027.

Throughout her 17 years at Nationwide, Barhorst has held leadership roles across Marketing, Sales, Staff Operations, Underwriting and Claims. Barhorst brings a unique combination of operational expertise, customer focus and a deep commitment to developing talent.

Most recently, Barhorst led Nationwide’s Personal Lines Property Claims organization where she helped strengthen operational performance, modernize capabilities and enhance the customer and associate experience.

“Trisha’s broad experience across both Underwriting and Claims, combined with her ability to manage large-scale transformation and develop talent, position her perfectly to lead Personal Lines Operations,” said Casey Kempton, President, P&C Personal Lines for Nationwide. “In this new role, Trisha will help execute on our strategy, shape the future of our operations and deliver meaningful results for our customers, agents and businesses.”

Barhorst obtained both her undergraduate and postgraduate degrees from The Ohio State University. Outside of her duties with Nationwide, she serves on the board of Ohio 4-H Foundation.

LIMRA’s mid-year Life Insurance Sales Survey shows a life industry that is continuing to grow, although at a slower pace than last year. Total U.S. individual life insurance new annualized with excess premium rose 3% year over year to $4.7 billion in the second quarter of 2026. The number of policies sold increased 8% in the second quarter, powered by whole life and variable universal life.

Holly Snyder, president of Nationwide Life Insurance, shared her perspective on the trends shaping industry performance and financial professional behavior in the first half of the year, as well as her outlook for the balance of the year.

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After a remarkable 21-year career at Nationwide, Mike Mahaffey, Executive Vice President and Chief Customer, Strategy and Innovation Officer, announced he will retire later this year.  

“Mike has been integral in keeping us focused on what matters most—our customers—while shaping the strategies that move our businesses forward,” said Nationwide CEO Kirt Walker. “Thanks to his vision and leadership, Nationwide is well positioned to grow and succeed as we head into our next century.” 

Mahaffey began his Nationwide career in 2005. Through the years, he took on a series of increasingly broad leadership roles across risk, strategy, growth, innovation and customer with a common focus on building a stronger Nationwide for the future. 

Throughout his career, Mike brought that same spirit of service to the broader industry and community. He serves as a trustee and past chair of the Center of Science and Industry (COSI) in Columbus, Ohio, and serves on the OhioHealth Board of Directors. He has helped lead the North American Chief Risk Officer Council and The Ohio State University’s Risk Institute, and he previously served as vice chair of the Columbus Symphony Orchestra. He has also shared his expertise as an adjunct professor at The Ohio State University and as a guest lecturer at Harvard Business School. 

“Mike’s ability to connect the big picture to the work in front of us has made a lasting difference—for our customers, our associates and our company,” said Walker. “It’s a legacy that will continue to be felt throughout the enterprise.” 

At Nationwide’s annual company-wide meeting, employees gathered in-person and virtually to celebrate the 2026 CEO Award winners whose contributions reflect the company’s mission of protecting people, businesses and futures with extraordinary care. In the company’s centennial year, their stories are a reminder that caring for others has been at the heart of Nationwide throughout its history.

A Nationwide CEO Award is considered one of the company’s highest honors, recognizing employees who go above and beyond. Nearly 100 employees were nominated.

“Each year, these awards give us the opportunity to recognize people who represent the very best of our company, those who lead by example and help make Nationwide a stronger community partner,” said Nationwide CEO Kirt Walker. “Their commitment to customers, the community, each other and moving our business forward is nothing short of inspiring. Their work reflects our mission in action and demonstrates how powerful it is when talent, compassion and purpose come together.”

Visit the Nationwide careers page to learn more about open positions. 

The agreement extends to potential solutions. The same three proposals were ranked as the most popular approaches to strengthening Social Security among both Democrats and Republicans:

1. Increase taxes on higher earners to increase funding: 51% overall, including 56% of Democrats and 43% of Republicans
2. Increase funding through taxes paid by employers: 42% overall, including 44% of Democrats and 42% of Republicans
3. Reduce or eliminate benefits for individuals with incomes above a certain threshold: 38% overall, including 38% of Democrats and 37% of Republicans 
    

Americans expect action, but few are ready for it
More than three in five Americans (61%) believe the government is likely to make changes before Social Security benefits are reduced. Social Security is also becoming a major consideration at the ballot box, with 75% saying a candidate’s position on reform will be a major factor in how they vote in future elections.

Yet the expectation that changes are coming has not translated into clear financial plans: just 20% know how they would adjust their finances if benefits were reduced. This might be because Americans underestimate how soon the program could face funding constraints. On average, respondents believe depletion is 17 years away – in reality, the fund is projected to run out by the fourth quarter of 2032, according to the 2026 Social Security Trustees Report.

Among Americans without a clear financial plan, 45% say an announcement of specific government changes would prompt them to act. Waiting for that certainty, however, may leave households with less time to adjust their savings, retirement date or income strategy.

“Americans may agree that Social Security needs to change, but they can't afford to wait for what those changes could mean for their own retirement before they prepare,” said Kevin Jestice, president of Nationwide Retirement Solutions. “It’s impossible to know how lawmakers may act, but scenario planning can give people more time and flexibility to adjust their savings, income strategy and claiming decisions.”

Current beneficiaries are already making difficult tradeoffs
Future benefit reductions would compound pressures many Social Security recipients are already facing. Among current beneficiaries, 74% say they have changed their finances because rising living costs have outpaced their benefits.

The most common changes include cutting discretionary spending, such as travel or dining out (51%), reducing spending on essentials, including groceries and medications (38%), and relying more heavily on savings or retirement accounts (25%).

That financial strain, combined with widespread uncertainty about Social Security’s future, is pushing some Americans to make decisions based more on fear than on a full understanding of the long-term tradeoffs. For example, 51% of Americans say they have filed or plan to file for Social Security as early as possible to ensure they receive something before the program changes or runs short of funds. In most cases, though, filing before full retirement age generally results in a permanently lower monthly benefit, which can have lasting consequences for retirement income.

Financial professionals can help prepare Americans for different outcomes
That is where informed guidance from a financial professional can make a meaningful difference. Survey respondents who work with a financial professional were nearly four times as likely to have a clear plan for reduced Social Security benefits – 39% compared with 10% of those who do not.

Americans are also looking for help with the complexities surrounding Social Security. Nearly eight in 10 (79%) are interested in learning from a financial professional about how their benefits will be taxed in retirement.

“Decisions about when to claim Social Security can affect a person’s income for the rest of retirement, so they should not be driven by fear or headlines alone,” Jestice said. “A financial professional can help individuals assess filing age, taxes, income sources such as their employer sponsored retirement plan savings, and possible benefit changes within the context of their broader retirement plan.”

Nationwide offers a variety of resources to help. The full 2026 SurveyResults can help financial professionals focus client conversations where it matters most. Additional resources to support planning conversations can be found at Nationwide.com/SimplifySocialSecurity. View an infographic on this new data or a recent blog from Kevin Jestice. 

Methodology
The 2026 Social Security survey was conducted online in the U.S. by The Harris Poll on behalf of Nationwide among 1,823 adults age 18+ who currently receive or expect to receive Social Security (“national sample”), including 300 Gen Z (age 18-29), 512 Millennials (age 30-45), 511 Gen Xers (age 46-61), and 500 Boomers+ (age 62+) and an additional oversample of 60–65-year-olds (n=464) The survey was conducted May 11-June 4, 2026.

Data for the generations and 60–65-year-olds are weighted where necessary by age by gender, race/ethnicity, region, education, marital status (not included for Gen Z), household size, household income, and political affiliation to bring them in line with their actual proportions in the population. To ensure the national sample was representative, the data were initially weighted by generation (Gen Z 18-29, Millennials 30-45, Gen Xers 46-61, and Boomers+ 62+) and then combined into a total age 18+ group and 30+ group to preserve trending.

To preserve trending data for the 50+ are weighted separately where necessary by age by gender, race/ethnicity, region, education, household income, retirement status, and political affiliation to bring them in line with their actual proportions in the population. Respondents for this survey were selected from among those who have agreed to participate in our surveys. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data for 60-65 is accurate to within ± 6.11 percentage points, the sample data for 50+ is accurate to within ± 4.32 percentage points, the sample data for 18+ is accurate to within ± 2.34 percentage points, the sample data for 30+ is accurate to within ± 2.56 percentage points all using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.

All sample surveys and polls, whether or not they use probability sampling, are subject to other multiple sources of error which are most often not possible to quantify or estimate, including, but not limited to coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S. tracking public opinion, motivations and social sentiment since 1963 and is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building a twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

Milo is devoted to his family and loves playing in the snow. However, during a Christmas Day trip to the mountains, a sudden noise startled Milo as he was getting into the family’s car. He bolted up a cross-country ski trail and disappeared.

His family chased after him, but Milo was gone, lost in the wilderness for 72 days until his microchip was pinged at a shelter. He was incredibly thin but otherwise unscathed. After spending four days in the vet hospital receiving expert care, he was able to return home to his family, who call it a miracle.

“The joy of being reunited with a beloved pet after weeks of uncertainty is hard to put into words. Milo's journey reflects the determination of his family, his own incredible resilience, and the importance of getting pets the care they need when the unexpected happens. Stories like his are exactly what the Hambone Awards were created to celebrate,” said Emily Tincher, Chief Veterinary Officer at Nationwide.

Nationwide hosted a public vote from August 3-14, 2026 to determine the most unusual pet insurance claim story and two runners-up from a group of nine finalists. More than 11,000 votes were cast. Milo received the Hambone Award trophy and a Petco gift card, and the runners up will also receive Petco gift cards. The runners-up were:

• Henry, a Labrador retriever from Colorado who’s obsessed with fetch, chased a ball into his yard, stepped on a rake and punctured his paw. His parent contacted Nationwide’s VetHelpline for guidance, and now, Henry is healed and back to chasing tennis balls.
• Hobbes, a domestic shorthair cat from Arizona, slipped past his owner and dashed under a garage just as it was closing. He made it past the safety sensors but not the garage door itself. When his owner found him trapped, Hobbes was rushed for treatment and was soon back in action.

The Hambone Award was named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham. Later, the dog was found with a mild case of hypothermia and the hambone, all that remained of his feast. You can click here to read the stories of the complete list of 2026 Hambone Award nominees.

All nominated pets have recovered and received reimbursements for eligible veterinary expenses from Nationwide^® pet insurance.

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.

• California: Russell Zimmerman, Nipomo High School
• Delaware: Mark Breeding, Caesar Rodney High School
• Iowa: Zach Morris, West Liberty High School
• Illinois: Joe Steffen, Newark High School
• Indiana: Lynnette Markley, Argos High School
• Kansas: Dr. Kelly Hoelting, Mission Valley High School
• Kentucky: Ben Prevette, Hopkins County Central High School
• Maryland: Becky Yost, Northern High School
• Missouri: Jarred Sayre, Milan C‑2 High School
• Nebraska: Tony Jensen, Freeman High School
• New York: Mary Coolbaugh, Marcus Whitman Central School
• Ohio: Alex Zimmer, Buckeye Valley High School
• Pennsylvania: Doug Masser, Pequea Valley High School
• South Dakota: Dave VanderWal, De Smet High School
• Utah: Chad Warnick, Delta High School 

Nationwide partnered with state FFA organizations to establish the Golden Owl Award in 2018 to highlight the growing importance of agricultural educators and recognize those who go above and beyond to support students pursuing careers in agriculture, agribusiness and environmental stewardship. Since its inception, the program has supplied more than $800,000 to support teachers, students, school agricultural programs and FFA organizations. The award has expanded each year due to popularity, adding Delaware and Utah in 2025 to its growing list of participating states.

As grand prize winners, the teachers earn the title of their state’s Ag Educator of the Year, the coveted Golden Owl Award trophy, and $3,000 in funding to help bring new opportunities to their programs.

“These outstanding teachers exemplify passion and devotion to shaping the future of their communities,” said Brad Liggett, president of Agribusiness at Nationwide. “Their tireless efforts inspire the next generation of agriculture leaders, and we’re proud to recognize their invaluable contributions as Ag Educators of the Year.”

Each year, the selected finalists, chosen by established state committees, are awarded $500¹ in recognition of their contributions. Nationwide also contributes $5,000 to each of the participating state FFA organizations.

To see a complete list of partners, read more about the state honorees, see past winners or learn about the nomination process in select states, visit www.GoldenOwlAward.com.


^{1 Ohio finalists will receive a personalized plaque and $1,500 to fund their programs. Ohio’s Ag Educator of the Year title will receive the coveted Golden Owl Award trophy and an additional $5,000 to help fund future educational efforts for their program. Ohio’s partners, Farm Credit Mid-America and AgCredit, provided funding for the increase in prize money. In accordance with Ohio law, cash prizes in Ohio are awarded to the winner’s school ag program.}

Best Traditional Variable Annuities
Monument Advisor® and Nationwide Advisory Retirement Income Annuity® (NARIA®) earned top spots in Barron’s Best Traditional Variable Annuities for Tax-Deferred Savings category. This recognition reinforces Nationwide’s leadership and depth in the Advisory market, where its fee-based annuity platform continues to stand out for delivering competitive, advisor-focused solutions that support tax-deferred growth, investment flexibility and retirement income planning. The publication calculated the rankings by comparing annuities used for accumulating assets on a tax-deferred basis and invested in underlying mutual fund-like subaccounts. Barron’s analyzed features like annual contract fees, average subaccount expenses, surrender charges, total options and five-year annual returns.

Best Variable Annuity Income Guarantees
Barron’s also recognized Nationwide Destination® Navigator 2.0 with the Nationwide Lifetime Income Rider+® Core (Nationwide L.inc+® Core) in the Best Variable Annuity Income Guarantees category. The product’s key strength is its ability to pair investment flexibility with guaranteed lifetime income, helping clients create protected retirement income while maintaining exposure to market-based growth opportunities. The publication selected products on this list based on those who offered the highest payout for contracts with no more than a seven-year surrender period.

Best Annuities for Guaranteed Income
Additionally, Nationwide’s single premium income annuities (SPIAs) ranked among the top products in the Best Annuities for Guaranteed Income category, demonstrating how immediate annuities have evolved beyond simple income guarantees. In addition to converting retirement assets into lifetime income, the product offers features that support broader retirement and estate-planning objectives. For example, flexible payout and beneficiary options can help clients balance income security with legacy goals, while liquidity provisions provide flexibility not commonly associated with traditional SPIAs. Barron’s determined rankings in this category by comparing annual income for life, annual payout rate and total income by age 90.

“Today’s volatile economic landscape can create uncertainty for investors, but it’s also highlighting the power of protection, predictability and long-term planning,” said Kush Kotecha, president of Nationwide Annuity. “Annuities’ combination of tax-deferred accumulation, income guarantees and protection from market uncertainty are resonating with investors, helping them stay focused on their long-term goals and creating financial resilience as interest rates and market dynamics continue to shift.”

Nationwide is a top 10 seller of annuity products in the United States¹, offering advisors and their clients a range of solutions to support accumulation, income and long-term retirement planning goals. Learn more about Nationwide annuities at https://www.nationwide.com/personal/investing/annuities/.

¹ LIMRA U.S. Individual Annuity Sales Survey, 1Q 2026
Guarantees and protections are subject to the claims paying ability of the issuing insurance company.

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07/2026

One survived weeks alone in the wilderness. Others couldn't resist bingeing on cake, medications and even a drum. Though their stories were vastly different, all nine furry finalists for Nationwide^® pet insurance’s Hambone Award^® share one thing in common: a full recovery.

Voting for the 18^th annual Hambone Award, recognizing the year’s most unusual pet insurance claim is underway now through Aug. 14, 2026, at petinsurance.com/hamboneaward. The winner will be announced Aug. 19, 2026.  

The Hambone Award was originally named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham while waiting to be discovered. The dog was eventually found, with a licked-clean ham bone and a mild case of hypothermia. He made a full recovery and inspired this award, which highlights the unusual situations pets can get into and how pet insurance can help.

Meet the 2026 Hambone Award finalists

• Capone, a Bernedoodle from California, found a baseball in the garage and decided to make it a chew toy. After shredding the ball and swallowing the cover, his pet parents sought guidance from Nationwide’s VetHelpline^® before Capone received treatment and made a full recovery.
• Diesel and Matilda, beagles from Arizona, followed their noses straight to trouble when they snuck into the pantry and devoured nearly an entire two-tier red velvet cake. Their sweet tooth quickly led to concern, but both dogs ultimately made full recoveries.
• Hampden, a goldendoodle from Texas, made his frustration over a delayed dinner known by tearing apart a vintage Ugandan drum and eating the drum skin. Veterinarians later removed half a drum from his stomach, and Hampden made a full recovery.
• Henry, a fetch-obsessed Labrador retriever from Colorado, chased a ball into a yard cleanup area and impaled his paw on a rake prong. After his pet parent contacted Nationwide’s VetHelpline for guidance, Henry received care and is back to chasing tennis balls.
• Hobbes, a domestic shorthair cat from Arizona, slipped past his owner and dashed into the garage just as the door was closing. He made it past the safety sensors but not the garage door itself. When his owner found him trapped, Hobbes was rushed for treatment and was soon back in action.
• Lilliya and Noelle, borzois from Wisconsin, teamed up for a prescription-powered misadventure after opening a drawer and helping themselves to an entire bottle of their beef liver-flavored pet prescription. After consuming all 14 tablets, the duo required immediate treatment but ultimately made full recoveries.
• Lulu, a mixed-breed dog from Illinois, was keeping watch for squirrels from her favorite chaise lounge when she slipped and landed on a metal candle holder, which pierced into her leg. After receiving stitches and pain medication, Lulu returned to squirrel duty.
• Milo Bear, a golden retriever from Nevada, disappeared into the snowy wilderness near Lake Tahoe after being startled during a Christmas Day outing. Following an extraordinary search and 72 days on his own, Milo's microchip was scanned at a shelter and he was reunited with his family after receiving care.
• Rolly, a standard poodle from Florida, turned his passion for chasing iguanas into a much bigger problem when he decided to eat a dead one. The unusual meal left him seriously ill, but Rolly made a full recovery.

All nominated pets have made full recoveries and received reimbursements for eligible veterinary expenses from Nationwide pet insurance. For full stories, photos of the nominees, and to cast your vote daily between August 3-14, 2026, visit petinsurance.com/hamboneaward.

“Though these stories begin with unexpected pet mishaps, the Hambone Award celebrates what happens next: the extraordinary bond between people and pets, and the compassionate care that helps turn close calls into recoveries” said  Dr. Emily Tincher, Chief Veterinary Officer for Nationwide. “We’re proud that Nationwide could provide financial peace of mind during a stressful time, helping families focus on what matters most: their pets’ recovery.”

The nominee with the most votes will receive the coveted Hambone Award trophy and a Petco gift card, while two runners-up will also receive Petco gift cards.

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.

Nationwide has been named to the inaugural Ohio AI25 list, a new recognition from OhioX and Ohio Tech News honoring companies and organizations shaping the future of artificial intelligence (AI) in Ohio.

The recognition underscores Nationwide’s dedication to using technology and AI to enhance the experiences and solutions it delivers. Guided by a people-connected, machine-enabled approach, the company is focused on using technology to expand capacity, strengthen decision-making, create new offerings and build more meaningful connections.

“Being named to Ohio AI25 reflects Nationwide’s commitment to using AI in ways that spark innovation and transform how we work, and how we serve our customers,” said Michael Carrel, EVP and Chief Technology Officer at Nationwide. “Our focus is on applying technology safely and thoughtfully to strengthen the futures of our company, partners and members.”

That work is part of Nationwide’s broader technology strategy, including a $1.5 billion investment through 2028 to enhance its technology capabilities. More than 20% of that investment is focused on AI.

Other organizations named to the list include JobsOhio, Google and Meta. The full Ohio AI25 list is available at OhioTechNews.com.

To learn more about Nationwide’s technology organization, visit the Nationwide Technology & Innovation newsroom page.

• While three quarters of non-retired investors are concerned about a recession, a growing number are planning to take advantage of investment opportunities now
• This mix of action and anxiety creates risk for three in ten non-retired investors who do not have a strategy in place to protect against market volatility
• Advisors are leaning into protection solutions to balance clients’ growth and risk management needs

COLUMBUS, Ohio – Inflation and market volatility have created one of the most complex financial environments in recent memory, causing more than three in four (77%) non-retired investors to be concerned about a U.S. economic recession over the next 12 months. However, recent data from the Nationwide Retirement Institute reveals that rather than retreating, a growing number of Americans are leaning in.

The study shows a notable shift from caution to action, with investor activity at some of the highest levels tracked across the study. One in three (33%) non-retired investors say they will change their retirement savings approach over the next 12 months by planning to take advantage of investment opportunities now, up from 21% in the summer of 2024. More than one in five (22%) say they plan to manage their investments more aggressively, up from 16% in 2024.

The data also shows an emerging sense of stabilization in retirement planning, even as concerns remain elevated. Just 15% of non-retired investors say they plan to retire later than planned, down from a peak of 22% in 2024. The number of investors who don't know if they will ever be able to retire (11%) is down from a high of 16% in 2024.

"Investment markets reached all-time highs this summer in the face of elevated volatility, reflecting a shift in how investors are interpreting uncertainty. Rather than viewing volatility as a signal to step aside, many may be viewing it as an opportunity to be offensive versus the historic instinct to turn defensive,” said Mark Hackett, chief market strategist for Nationwide’s Investment Management Group. “We're seeing them use these periods of volatility to rebalance, diversify and position themselves for future growth, recognizing that participation, not timing, is often the key driver of long-term outcomes.”

Many Investors Still Lack a Plan
Even as investors show increased confidence and a growing willingness to take action in a volatile environment, many still do not have formal strategies in place to protect their retirement savings.

Nearly three in ten (29%) non-retired investors say they do not currently have a strategy in place to protect their assets against market risk, and one in ten (10%) non-retired investors say they are not sure if they do, pointing to a need for clearer and more frequent conversations between advisors and clients about what is actually in place.

Advisors are leaning into protection solutions
Advisors who say they have a market risk protection strategy in place for their clients are evolving their use of retirement solutions in line with the current environment. Six in ten (60%) advisors say the events of the last 12 months have made them more likely to recommend a guaranteed income solution as part of a client’s portfolio. Use of registered index-linked annuities (RILAs) among advisors with a market risk protection strategy has grown from 39% in the summer of 2023 to 52% in 2026, a 13 percentage-point increase over three years.

Data suggests that advisor momentum toward guaranteed income solutions is meeting a receptive audience with clients. More than half (57%) of non-retired investors say recent events have made them more likely to put part of their portfolio in an annuity or other guaranteed income solution.

Advisors are also tracking a number of potential threats to clients’ long-term plans. Nearly a quarter (24%) say the cost of healthcare is among the most immediate challenges to their clients' retirement portfolios. They’re also tracking systemic risks to the programs and policies clients have long planned around. More than half (55%) of advisors say they believe Social Security or Medicare funding will be reduced, with 40% specifically citing Social Security solvency as a concern. Additionally, nearly three in five (58%) advisors expect the future tax burden for clients to increase. 

"Advisors can play a critical role in helping clients balance growth and protection by building strategies that don't force an either-or decision," said Brad Carrier, vice president of Nationwide Annuity Distribution. "Through asset allocation, diversification and the use of solutions like annuities that incorporate downside protection, advisors can help clients stay invested during periods of volatility while managing the emotional and financial risks that sometimes lead to hasty decisions."

For more insights on this survey data, see our infographic.

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.

Nationwide's Retirement Institute survey, formerly known as the Nationwide Advisor Authority survey, explores critical issues confronting advisors, financial professionals and individual investors, and the innovative techniques that they need to succeed in today's complex market.

About Nationwide Retirement Institute Survey: Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 Advisors and Financial Professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, from January 15-February 6, 2026. Among the investors, there were 1,411 non-retired investors and 691 retired investors.

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The sampling precision of Harris online polls is measured by using a Bayesian credible interval.  For this study, the sample data for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.9 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

The employee benefits industry continues to evolve as workers seek out options that are personal, flexible and relevant to their everyday lives. To provide insights on this rapidly shifting market, Lindsey Murray, president of Nationwide Group Benefits, recently joined Dave Przesiek, chief revenue officer of Ryan Specialty Benefits and Gwen Tormey, president of Corestream at the 2026 SHRM Annual Conference & Expo.

Their conversation, moderated by Nationwide Group Benefits Vice President Amy Mattingly, explored the emerging market trends and practical strategies that can support employers in designing and delivering modern benefit solutions. Check out the panel presentation, as well as some key takeaways from the discussion below.

As employee expectations continue to evolve, how are employers rethinking the total benefits package – and how do medical and voluntary solutions work together to meet those expectations in today’s market?
Key takeaway: Employers and brokers are seeing a clear shift in employee expectations. A one-size-fits all approach when it comes to products is no longer going to be effective. Benefits need to feel personal, flexible and relevant to everyday life, while still helping employers manage costs. Medical benefits remain the foundation, but voluntary and lifestyle offerings play a growing role in making the package feel more tailored, tangible and valuable across different needs and life stages. The bigger challenge is not just offering the right mix of benefits; it’s communicating clearly so employees understand and use them. Employers want partners who can connect medical and voluntary benefits into a simpler, more cohesive experience that balances affordability, access and quality care.

How can benefits providers, brokers and employers help employees fully understand plan offerings?
Key takeaway: Benefits providers, brokers and employers have a duty to help employees fully understand plan offerings, especially in today’s environment where things may feel complex and overwhelming. The goal is to think like a consumer: explain options in simple, clear terms and design information for people who may only have seconds to engage with it. Use tools like testimonials, infographics and streamlined enrollment experiences to make benefits easier to evaluate and use.

Carriers and brokers share responsibility for taking a more consultative approach with employers as well, helping them assess what their associates need, walking through the pros and cons of available solutions and building flexibility into products so people can get the most value from their coverage. Carriers and brokers are in the business of helping employers offer protection to their employees, but they should also focus on demystifying offerings, improving the overall benefits experience and helping people achieve better health outcomes.

How can employers manage benefits costs without compromising the quality of care and support employees need?
Key takeaway: Rising family premiums and worker contributions are forcing employers to manage benefits more strategically. At the same time, they still must devote the largest part of their budget to medical coverage. In this environment, self-funding paired with stop loss coverage is becoming a more attractive option, giving employers flexibility to tailor benefits for associates while protecting themselves from major financial risk – especially as million-dollar claims have doubled since 2019. Employers shouldn’t think of cost, care and experience as competing priorities; they can build these plans in a way that creates employee experiences that both attract and retain talent.

Additionally, instead of focusing solely on pricing, employers should start with smarter plan design, using claims data to pinpoint where costs are actually rising and pairing with transparent, targeted savings strategies. The goal is to bring together the right benefits, partners, technology and enrollment experiences so employers can better control spending while employees still get clear, high-quality and accessible support.

NFM-25587AO.1
07/2026

Nationwide has named Roberto Robles leader of Nationwide National Partners, effective Aug. 3, 2026.

In this role, Robles will lead Nationwide’s executive-level relationships with key national property and casualty distribution firms, serving as a connection point between partner leadership, Nationwide business units and the broader enterprise.

“Roberto brings a strong blend of carrier and broker experience, along with a valuable outside-in perspective on distribution and complex risk,” said Russ Johnston, president of Commercial Lines, Excess & Surplus, Specialty. “He is known for building strong partnerships and high-performing teams, and we’re confident his leadership will help strengthen our national partner relationships and support our continued growth.”

Robles joins Nationwide from Willis Towers Watson, where he most recently served as managing director of carrier relationship management. Prior to that, he held senior business development and distribution leadership roles at Sompo and Chubb, where he led national partner relationships, managed large specialty books and helped launch growth initiatives across the business.

With more than two decades of industry experience, Robles brings deep expertise in distribution strategy, partner engagement and complex risk. His appointment reflects Nationwide’s continued focus on strengthening strategic partnerships and making more coordinated, data-informed decisions with key distribution partners.

Robles holds an MBA from Clarkson University School of Business and a bachelor’s degree from St. Lawrence University.

Nationwide Retirement Solutions has named Barbie Walsh to lead its combined Institutional and Consultant Relationship teams.

In her expanded role, Walsh will oversee both teams and help advance the company’s strategy across government and corporate institutional markets. She will report to Brenda Casey Anderson, associate vice president, Strategic Relationship Management, Retirement Solutions Distribution.

“Barbie has consistently demonstrated the leadership, market insight and relationship focus needed to help us serve clients and consultants at the highest level,” said Brenda Casey Anderson, associate vice president, Strategic Relationship Management, Retirement Solutions Distribution. “She brings deep retirement industry experience and a strong history of leading teams through growth and change. I am confident Barbie will help strengthen how we serve the market, deepen relationships across government and corporate institutional segments, and continue positioning our business for long-term success.”

Walsh previously led Institutional Markets and most recently had been serving as interim leader of the Consultant Relationships team.

She brings 27 years of experience in the retirement plans industry spanning operations, relationship management and leadership. Walsh joined Nationwide five years ago to help serve and grow the company’s institutional client base. In her prior role as Institutional Relationship Director, she led some of Nationwide’s largest institutional and ERISA-qualified client relationships and helped shape the company’s institutional service strategy.

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After more than four decades of leadership and service, Jeff Rommel, senior vice president, Personal Lines Operations, will retire from Nationwide on Jan. 31, 2027.

Rommel joined Allied Insurance, a Nationwide company, in 1985 as a claims representative. During his 41-year tenure with Nationwide, he has held various leadership positions across claims, sales, distribution and operations.

Since assuming the role of senior vice president of Personal Lines Operations in October 2024, Rommel has helped transform the experience Nationwide delivers by advancing service, ease and trust, while helping the organization sharpen its focus on customer outcomes and build capabilities that contributed to industry-leading experiences.

Throughout his career, Rommel’s deep knowledge of the Personal Lines value chain has helped deliver the company’s mission to protect people, businesses and futures with extraordinary care.

“Jeff’s leadership has made a lasting impact on our company and on the people who have worked alongside him,” said Mark Berven, president and COO, Property & Casualty for Nationwide. “Jeff helped lead the business through important moments with a steady hand, a clear focus on our customers and a commitment to building strong teams.”

Beyond his service at Nationwide, Rommel has been an active and dedicated member of his community throughout his career.  He has served in various Board roles and collaborated closely with community partners including the Greater Des Moines Partnership, Food Bank of Iowa, United Way of Central Iowa, ICON Water Trails, Science Center of Iowa, Juvenile Diabetes Research Foundation of Greater Iowa and the Vaughan Institute Advisory Board.

The search for a new leader of Personal Lines Operations is underway.

About the award: The JD Power 2026 U.S. Auto Insurance Study measures customer satisfaction with auto insurance in 11 geographic regions. A separate category that addresses UBI, along with diagnostics that influence UBI participants’ experience with their insurer’s usage-based auto products, ranks Nationwide as the top auto insurer for usage-based insurance.

What we’re saying: “Nationwide recognizes that customers want insurance solutions that are as smart and connected as the world around them,” said Casey Kempton, President, P&C Personal Lines for  Nationwide. “Usage-based insurance delivers that by combining technology, innovation and practical insights to help drivers improve habits and make roadways safer for everyone.”

Starting “Smart” in 2012: Nationwide launched its first UBI product, SmartRide®² in 2012 followed by SmartMiles® ³ in 2019 as options for drivers seeking products that personalize rates based on driving habits.

• SmartRide® measures specific driving behaviors and provides real-time feedback to encourage safer driving decisions. Personalized results can lead to insurance premium discounts up to 40%.
• SmartMiles® is pay-per-mile insurance with a flexible monthly rate based on miles driven.

Beyond UBI: Nationwide rolled out the Focused Driving Rewards® (FDR) program⁴, a first-of-its-kind initiative designed to help reduce phone-related distractions and reward safe driving with e-gift cards from popular retailers. The program is open to all drivers, not just Nationwide customers.  

Where usage-based insurance is headed: Nationwide sees usage-based insurance as the foundation for smarter, more personalized protection. Through advanced telematics, it aims to deliver coverage tailored to each customer’s lifestyle while promoting safety, transparency, and trust. The goal is to make insurance feel more like a partnership that rewards safe, responsible driving.

Go deeper: Learn more about usage-based insurance from Nationwide. 

¹ Nationwide received the highest score in the Usage Based Insurance (UBI) segment of the JD Power 2024-2026 U.S. Auto Insurance Study,^SM of customers’ satisfaction with their auto insurance provider. Visit jdpower.com/awards for more details.

² Availability varies; program criteria differs in California and North Carolina. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings, availability, and program criteria vary by state, coverage selections, rating factors, and policy changes. Enrollment discount applies until a driving behavior discount can be calculated, which could be zero. Driving behavior discount is applied to a policy when all drivers have activated the SmartRide Mobile app within 30 days of the policy’s effective date and the app remains active for 80 days. All discounts are subject to change based upon actuarial support and driving behavior at subsequent renewals or with changes in drivers or vehicles on the policy.

In Virginia and Washington, the discount may decrease at renewal based on changes in driving behavior. In Michigan and Washington, the driving behavior discount is applied at renewal.

³ Program information reflects SmartMiles in Arizona, Ohio, Oregon and Nebraska. Details and availability vary by state, policy original effective date and other factors. SmartMiles variable premium is based upon the Cost Per Mile established for the coverages in force and the number of days and miles driven when the coverage is in force. Cost Per Mile may vary monthly based on driving trends. Estimated premium is subject  change based upon final rated mileage during the mileage period and policy changes.

⁴ Focused Driving Rewards is not currently available in AK, CA, HI, LA, MA, NY or OK.  Drivers 29 years and younger can earn up to $60 every 6 months. Drivers 30 years and older can earn $2.50 every 2 weeks, up to $30 every 6 months. Focused Driving Rewards is not insurance and does not require the purchase of a policy or a quote. Participation is optional and subject to terms and conditions. Nationwide may terminate the program at any time.

The Nationwide Financial Growth & Protection Index, which measures how consumers balance financial growth and financial protection, scored Americans at 54 on a 100-point scale, indicating consumers are slightly more protection-oriented than growth-oriented overall. That shift is reflected in how Americans now view financial success: 84% say the American Dream is now more about financial stability than building wealth, while the same percentage believe it is harder to get ahead financially than it was for previous generations.

For many Americans, this mindset is shaped by the pressures of everyday financial life. Nearly seven in 10 consumers (68%) reduced spending over the past year to improve their financial situation, while 45% dipped into savings to cover essential expenses. Three-quarters (75%) say their primary financial focus is covering basic expenses, and 74% say they are simply trying to stay financially afloat, suggesting many Americans are making financial decisions from a place of protection rather than ambition.

Together, the findings suggest Americans are not abandoning financial ambition, but they are making decisions from a more defensive position — focused first on protecting their households, preserving progress and avoiding setbacks.

"Financial progress still matters to Americans, but the path to achieving it has changed," said Craig Hawley, President and COO of Nationwide Financial. "People still want to build wealth, but today's environment has made financial stability and resilience just as important. Protecting what you've worked hard to build has become a critical part of achieving long-term financial success."

Optimism Outpaces Preparation
Despite today's financial pressures, Americans remain optimistic about their future. Seven in 10 consumers (70%) believe they can significantly improve their financial situation over the next five years, while nearly six in 10 (59%) expect their income to increase meaningfully over time.

However, many have yet to take steps to protect the financial future they expect. Just 30% have taken steps to protect against income loss due to illness or injury, and more than one-quarter (27%) say they would not be financially protected at all if their household's primary income earner could no longer work. The findings point to a growing gap between consumers' financial aspirations and the safeguards they have in place to protect them.

That disconnect is especially evident when it comes to retirement planning. More than eight in 10 consumers (81%) say they would prefer a guaranteed, predictable retirement income stream over higher-growth investments, yet only 24% currently have products or strategies designed to reduce market risk in retirement.

As Americans increasingly define financial success through the lens of stability, the findings suggest many are still looking for practical ways to translate that priority into a long-term strategy.

Helping Americans Balance Growth and Protection
The Index also points to an opportunity for financial guidance that reflects how consumers are thinking about their financial futures. Nearly three-quarters of consumers (74%) say they would be more likely to work with a financial advisor who could help protect them financially.

Employer-sponsored retirement plans remain the most common retirement savings vehicle among Americans, creating an important opportunity for retirement planning professionals, including financial advisors and those supporting workplace retirement plans, to help workers build strategies that support long-term growth while preparing for unexpected challenges.

"Our findings suggest retirement planning is entering a new chapter," said Hawley. "Building wealth remains essential, but consumers also want confidence that their savings can support them through market volatility, longer lifespans and life's unexpected challenges. That creates an opportunity for financial advisors and workplace retirement plans to bring growth and protection together in a way that better reflects how Americans are preparing for retirement today."

To learn more about the first-ever Nationwide Financial Growth & Protection Index, view an infographic, review the data or view a blog post from Craig Hawley.

Methodology
The Nationwide Financial Growth & Protection Index research was conducted online in the United States among 2,000 adults age 22 and older. The survey was fielded May 1–14, 2026. Respondents were nationally representative by age, gender, race/ethnicity, region, employment status and income level. The Index measures how consumers balance financial growth and financial protection by evaluating responses across three dimensions: mindset, actions and confidence. Individual pillar scores were weighted and combined to produce an overall Index score ranging from 0 to 100, with lower scores indicating a stronger growth orientation and higher scores indicating a stronger protection orientation.

Nationwide’s head of Institutional Life Insurance (ILI), Jessica Dowdy, has announced that Justin Lee will lead the unit’s Product Strategy and Delivery team. In this role, Lee is responsible for ensuring Nationwide’s Institutional Life Insurance business delivers strong results by developing, designing and actively managing solutions, including corporate-owned life insurance (COLI) and bank-owned life insurance (BOLI) products.

Lee brings nearly 25 years of experience in the financial services industry to the role. Since joining Nationwide in 2002, he has become known for his ability to turn strategy into action, align stakeholders and deliver results that drive sustainable, profitable growth.

Most recently, Lee served as a senior associate vice president on the Nationwide Financial Finance team, where he was responsible for supporting the ILI team. He successfully oversaw the development of key products and features that improved the partner and customer experience, including clearer experience-based pricing and asset-based fee structures that better aligned to account size. Prior to this role, Lee held several key leadership positions supporting the pricing and product development strategy for ILI’s COLI and BOLI products.  

“Justin is a strong leader who brings a combination of industry expertise, strategic vision and operational excellence to this role,” Dowdy said. “I am confident that with the addition of Justin’s leadership, the ILI team will continue to build on its successes and strong performance across the industry.”  

Lee holds a bachelor’s degree in actuarial science from The Ohio State University. He is a Fellow of the Society of Actuaries.

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First quarter 2026 pension risk transfer (PRT) sales continued the slowdown that began in 2025, totaling $3.8 billion compared with the $7.1 billion posted in the first quarter of last year, according to LIMRA’s U.S. Group Annuity Risk Transfer Survey. However, Nationwide’s head of PRT, Paula Cole, said the broader market remains active as plan sponsors respond to volatility, legislative activity and shifting interest rate expectations. While Cole anticipates total 2026 sales will likely finish below 2025 levels, she expects activity, especially buy-in transactions, to increase. Cole discussed what is behind the sales slowdown, why buy-ins have been gaining momentum and what plan advisers and plan sponsors should watch for during the rest of the year.

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One year after Nationwide acquired Allstate Benefits’ self-funded program and stop loss plans, the team –  now referred to as Nationwide Group Benefits – is celebrating this milestone by reflecting on strides it has made helping businesses and employees feel valued and secure, while building momentum for the future.

Officially established in July 2025, Group Benefits now protects more than three million lives through a portfolio that includes employee benefits like accident, life, dental, critical illness, disability, vision and hospital indemnity; pet insurance; and stop loss insurance. Stop loss protects employers who self-fund their health insurance plans from excess losses.

“We’ve been through a tremendous year of growth that’s been nothing short of transformational,” said Lindsey Murray, president of Nationwide Group Benefits. “Nationwide’s existing stop loss and supplemental health teams, the former Allstate Benefits team and Nationwide Pet came together to combine our unique strengths for greater impact, delivering extraordinary care to our partners and clients in the process.”

Bringing the three businesses together under one team created opportunities to share best practices across pricing, product development and claims, helping streamline services and operations over the past year. Additionally, all teams work with benefits brokers who deliver protection solutions to employers and their employees, so they were able to quickly recognize and leverage new synergies to better position the team for success.

Now, the team is building on that momentum to establish a strong foundation for future growth. As Nationwide Group Benefits continues on its journey to unify its distinct businesses, it is growing market share by deepening partnerships and diversifying its portfolio of solutions to enable sustainable, profitable growth for the future.

“Nationwide is a leader in the stop loss and pet industries, but we want to expand that success even deeper into the employee benefits space,” Murray said. “We are focused on strengthening our presence in our current markets and expanding our suite of benefit solutions through more diversified sales, helping protect the employers we serve while making a meaningful difference for their people.”

Visit Group Health for more information and resources on Nationwide’s self-funded and stop loss programs, Nationwide Pet Insurance for information on pet insurance and Employee Benefits for information on the benefits Nationwide offers employers.  

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Why it matters
Based on analysis of claims resulting from an auto collision, Nationwide found that a driver is 3.5 times more likely to be involved in a crash when driving distracted. 

Iowa drivers are showing measurable behavior change since the law took effect on July 1, 2025. The data suggests that an education campaign, a six-month warning period, and full enforcement effective January 1, 2026, have contributed to more drivers putting the phone down and focusing on the road.

By the numbers
Analytics derived from mobile telematics found that phone-related distraction among Nationwide-insured drivers in Iowa dropped in several key behaviors over the last year.

• 13.6% reduction on screen-tapping interactions since full enforcement, an improvement from 5.9% during warning period
• 9.1% reduction in handheld calling since full enforcement, an improvement from 8.2% during warning period
• During full enforcement, Iowa drivers logged about 140,700 fewer phone-motion events than expected based on pre-law driving behavior 

Nationwide Methodology
The analysis above is based on anonymized, opt-in mobile telematics data used to evaluate changes in phone-related distraction among Iowa drivers before and after the state’s hands-free law took effect from July 1, 2025 to June 15, 2026.

Additional insights from CMT, which include distracted driving data from over 30 safe driving programs across the U.S., show from July 2025 to May 2026:

• 85 of Iowa’s 99 counties saw decreases in phone motion
  • Among the state’s 10 largest counties, nine experienced reductions of at least 4% and Iowa’s largest county, Polk County, decreased distraction by 9.2%.
• Top-performing counties achieved reductions in distraction ranging from 13% to 17% with biggest improvements seen in Ringgold, Page, Calhoun, Wayne, and Lyon.
• The reduction in distraction has helped Iowa prevent an estimated 470 crashes, 210 injuries, 3 fatalities, and $20.3 million in economic damage¹.

Together, the Nationwide and CMT findings point to the same conclusion: Iowa drivers are showing measurable reductions in risky phone-related behavior since the law took effect.

The big picture
“Promoting responsible driving behavior through legislative advocacy and safe driving programs like SmartRide and Focused Driving Rewards is an ongoing priority for Nationwide,” said Casey Kempton, President, P&C Personal Lines for Nationwide. “Meaningful change can happen when like-minded partners come together, and we commend Iowa’s Department of Public Safety and the Governor’s Traffic Safety Bureau for their continued commitment to positively influence distracted-driving behaviors among drivers across the state.”  

"Distracted driving is one of the most preventable dangers on our roads, and Iowa has shown the nation that change is within reach," said William V. Powers, Co-Founder and CEO of CMT. “This is the future of road safety: proactive, measurable, and lifesaving. If the rest of the country follows Iowa's lead, we can save tens of thousands of lives and redefine what it means to be safe behind the wheel."

About the law
Governor Kim Reynolds signed Iowa’s Hands-Free Driving Law on April 2, 2025, making Iowa the 31^st state in the nation to enact hands-free legislation. Since the law’s effective date July 1, 2025, the Iowa State Patrol and local law enforcement agencies have been educating motorists on what constitutes distracted driving and how to comply with the law.   

“As we approach the one-year mark for enacting Iowa’s hands-free law, it is exciting to see Nationwide's data showing a reduction of in-vehicle phone usage across the state of Iowa,” says Iowa State Patrol Colonel Nathan Fulk.  “This progress reflects the collaborative efforts from our law enforcement personnel, safety advocates, and our private partners, like Nationwide.  Most importantly, it highlights Iowans who have demonstrated safe driving behavior and embraced the message that no text, call or notification is worth risking a life.”

Visit DriveSmartIowa.com for more information about Iowa’s Hands-Free Driving Law and tips for avoiding distractions while driving.

¹ Estimates are based on changes in crash rates from distracted driving, combined with the average crash cost of $23,954 from NHTSA’s report The Economic and Societal Impact of Motor Vehicle Crashes, 2019, and 2022 crash records reported by the State of Iowa.

To help farm operators keep pace, Nationwide has launched new drone coverage options designed specifically for farm customers. The offering is believed to be among the first comprehensive insurance packages available for farm operations, combining property, liability and aerial application protection.

The costs—and risks—of drone use

Agricultural drones represent a significant investment for producers. Smaller scouting drones used for aerial imaging and mapping can cost several thousand dollars, while larger drones used for spraying and seeding can exceed $30,000. Beyond the equipment itself, operating drones for agricultural purposes often requires Federal Aviation Administration certification, pesticide application licensing, specialized training and adherence to strict safety protocols.

Drone use can also introduce new risk exposures that traditional farm policies do not typically cover. For example, aerial application incidents involving chemical overspray or drift can result in significant property damage, crop loss or liability claims. A drone malfunction or operator error could also cause damage to nearby property or even result in bodily injury.

Comprehensive protection for agricultural drones

Nationwide’s new coverage options are designed to help close potential insurance gaps by providing:

• Property coverage for physical damage to drones and related operating equipment used in farm operations
• Liability coverage for damage or injury caused during precision agriculture activities such as aerial imaging, mapping and data acquisition
• Application of farm chemicals coverage for damage or injury arising from aerial application of covered substances, including chemicals and seed

“The use of drones across agriculture has grown significantly, increasing the need for protection that addresses both the value of the equipment and the risks tied to operating it,” said Justin Owens, AVP of Farm Underwriting & Sales, Nationwide. “We’re proud to begin offering these new coverage options, which help give farmers confidence to incorporate drone technology into their operations while knowing they have protection in place if something goes wrong.”

Learn more about Nationwide’s agricultural drone coverage or contact a Farm Certified Agent for additional information.

^{From Left: Michael Tripp, SVP Nationwide Personal Lines Sales & Distribution; Luke Turano, Founder/Principal, IPA; Casey Kempton, President, Personal Lines at Nationwide; Chris Manci, Founder/Principal, IPA; Curt Wohlers, VP Sales & Distribution Personal Lines East Zone; Dena Silveri, VP Sales & Distribution, Personal Lines Nationwide; Drew Dickinson, VP National Sales, Nationwide.}

Insurance Partners Alliance (IPA) is Nationwide’s Personal Lines Agency of the Year. The Columbus, Ohio-based insurance company presented IPA with the award during the company’s annual Partners Conference.

The award is one of the carrier’s highest honors and recognizes agency excellence, growth, innovation and commitment to helping clients protect what matters most.

What set IPA apart?

IPA was selected from more than 11,000 agencies appointed to write Nationwide policies across the United States.

IPA’s focus on helping partners grow their businesses, strengthening client relationships and creating value in the communities they serve caught Nationwide’s eye.

What they’re saying:

Chris Manci, IPA co-founder: “To say we were surprised would be an understatement. We never set out to win awards. We set out to build an organization that helps independent agencies grow, compete, and better serve their clients. To be recognized by Nationwide in this way is both humbling and deeply meaningful because it reflects the hard work, commitment, and dedication of our entire network.”

Luke Turano, IPA co-founder: "This recognition belongs to our partners as much as it does to IPA. Every agency, every team member, and every client relationship helped make this possible. The trust our partners place in us every day has fueled our growth and success. We're proud of what we've built together and even more excited about where we're headed."

Nationwide executives cited IPA's performance, leadership, and commitment to serving clients as key factors in earning the distinction.

Nationwide Personal Lines President Casey Kempton: “IPA distinguished itself not only through its agency excellence, growth, and partnership but also through its commitment to serving their customers. IPA’s dedication to protecting their clients by emphasizing products like Nationwide’s SmartHome suite embodies the qualities this award is intended to recognize. We’re proud to honor their achievements.”

Who else took home the hardware?

In addition to IPA, Nationwide honored several other agencies at the event, including:

• East Zone Agency of the Year – Spotts Insurance Group
• West Zone Agency of the Year – English Insurance
• Firm of the Year – Highstreet
• Emerging Agency of the Year – Legacy Risk Solutions
• Smartsuite Agency of the Year – Blue Ridge Risk Partners

Nationwide’s annual Partners Conference brings agencies from across the country together to celebrate accomplishments and strengthen partnerships.

Nationwide’s customers can now receive preferred pricing on Barn Owl hardware, along with access to exclusive early bird promotions throughout the year. Barn Owl also offers additional savings off each extra camera, making it easier to scale coverage across an operation.

“Farmers and ranchers often have valuable equipment, livestock and infrastructure spread across wide areas, and it’s not always practical to be everywhere at once,” said Vicente Rico, agribusiness risk management product development lead at Nationwide. “Our relationship with Barn Owl strengthens Nationwide’s commitment to helping customers predict and prevent losses by giving them another practical, easy-to-use tool to monitor their operations, deter theft and respond more quickly when something needs attention.”

With simple cellular setup, solar power and rugged, no-wiring installation, Barn Owl cameras let customers monitor animals, equipment, buildings, gates and other remote assets from anywhere. Barn Owl also offers options ranging from high-definition photos and videos with real-time alerts to livestreaming with audio, along with contract-free plans designed to fit different monitoring needs.

“We built our cameras and platform for the realities of operating a rural business, where simplicity and reliability matter,” said Josh Phifer, founder and CEO at Barn Owl. “Partnering with Nationwide lets us put our tech in the hands of more farmers and ranchers, so they can keep an eye on what matters most and act fast when it counts. We're proud to work alongside a company that shares our focus on providing peace of mind, cost savings, and reliability to the hard-working people of rural America.”

The new relationship adds to Nationwide’s growing suite of Ag Tech risk management solutions available to customers, with offerings ranging from remote monitoring and fleet management tools to fire suppression and thermal imaging technology.

To learn more about the Barn Owl partnership, view Nationwide’s Ag Tech solutions webpage or contact your Nationwide agent.

Photo credit: Barn Owl

Annuities remain in demand as investors look for protected growth opportunities and guaranteed retirement income, with first quarter industry sales reaching $107.4 billion, according to LIMRA’s U.S. Individual Annuity Sales Survey. Kush Kotecha, president of Nationwide Annuity, expects demand to remain strong through 2026, fueled by economic conditions, product innovation and investor demographics. As we mark National Annuity Awareness Month (NAAM) this June, Kotecha shares  thoughts on how advisors can continue to position the value of annuities with clients and how carriers  can help improve the sales and service experience.

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^{Photo credit: Columbus Business First/Ian Alexander Photography}

In 2026, nonprofit organizations that serve Columbus, Ohio, and the surrounding region are experiencing tough times as demand for their social services rapidly expands, just as they are being squeezed by rising costs and reduced funding.

To help respond to these challenges, philanthropic foundations and corporate partners are starting to shift focus to provide nonprofits with stronger and more collaborative partnerships, but more help is needed.

“Impact starts to grow when an organization thinks beyond financial contributions and brings its full capabilities to a philanthropic partnership,” said Ann Bair, Executive Vice President and Chief Marketing Officer for Nationwide. “In our case, we think about volunteerism and board service, opportunities where Nationwide can offer the support of our greatest asset, our people. When we apply that to support our nonprofit partners, we help them deliver even greater positive change in our communities.”

Support that goes beyond funding is especially critical in 2026. A January study from the Center for Effective Philanthropy (CEP), an organization that provides data and insights to help individual and institutional donors improve their effectiveness, found that half of nonprofit leaders today are looking for increased help and support from foundations and donors, such as building skills and lending their expertise.

The report quotes one nonprofit leader as saying he wants foundations to, “provide training and coaching support for leadership. Don't just write a check, build a relationship.”

Lending skills and expertise

In central Ohio, Columbus Business First recently recognized local companies and their employees for their financial giving and volunteerism at this year’s Corporate Citizenship Awards. The time and resources that businesses provide to community organizations is critical for the region’s success, says Dr. Dennis Durbin, President of the Abigail Wexner Research Institute at Nationwide Children’s Hospital (NCH).

^{Photo credit: Columbus Business First/Ian Alexander Photography}

“Nationwide Foundation’s support over the decades has utterly transformed the trajectory of Nationwide Children’s from a regional specialty hospital to a national thought-leading organization impacting the health of children not only in central Ohio but around the world,” said Durbin, pointing to nearly 70 years of collaboration between Nationwide, one of the companies honored with a Corporate Citizenship Award, and the hospital. “The Nationwide Foundation’s support has been a powerful catalyst that has accelerated our work in many ways, including advancing affordable housing, fueling groundbreaking genomic research and driving innovation in data science, among many other initiatives.”

Since 2006, the Nationwide Foundation, the nonprofit, private foundation to which Nationwide companies are the donors, has contributed $180 million to NCH to support initiatives ranging from affordable housing to groundbreaking clinical research. A $10 million investment in 2025 builds on more than a decade of philanthropic investments in vital programs, including biomedical data sciences, genomics, population health, endowed chairs and behavioral health. Nationwide’s sports marketing sponsorships have helped raise more than $76 million in additional support for the hospital through partnerships and events such as the Memorial Tournament, Nationwide Children’s Hospital Championship and the Columbus Marathon.

Through the combined efforts of both the company and its employees, Nationwide works with many community-based organizations, providing expertise and funding to help strengthen operations, improve strategy and expand their reach. Nationwide employees are on track to volunteer more than 100,000 hours in 2026, and company leaders serve on more than 200 nonprofit boards, sharing expertise in governance, finance, marketing and strategy.

Nationwide’s commitment to community impact traces back to its earliest days, when employees were already partnering with nonprofits to support local needs in Central Ohio. In 1955, the Columbus office opened the first full-time corporate donation site in the American Red Cross system. In 1987, Nationwide donated 1.3 million units of food to the Mid-Ohio Food Collective, helping to meet one-third of Franklin County’s goal that year – making it the largest one-company employee response in the country.

Recently, the Nationwide Foundation supported Star House, an organization opening a new drop-in center for young people experiencing homelessness in the region. Nationwide leaders also serve on Star House’s board of trustees and committees.

“We are incredibly grateful to our associates for the time and expertise they provide to causes and organizations in their communities and across the country that make a difference in peoples’ lives,” Bair said. “Giving back, whether through fundraising, volunteerism or expertise, is critical in this moment.”   

Since the award program began in 2018, Columbus Business First has recognized Nationwide annually as the region’s most generous company in the extra-large category.

Learn more about how Nationwide supports communities through its Corporate Citizenship initiatives. For more information on its philanthropic efforts, visit the Nationwide Foundation page. 

Nationwide’s Pension Risk Transfer (PRT) team has won a national award for an outstanding transaction in the PRT market. InsuranceERM, a news outlet focused on insurance risk and capital management, named Nationwide a winner in its 2026 Americas Awards. Nationwide earned top honors in the PRT Deal of the Year category for its work on a highly complex transaction.  

The InsuranceERM Americas Awards recognize individuals, teams and companies that exceed client expectations and advance insurance risk and capital management. The program highlights leading work in risk management, actuarial and risk modeling practices, along with standout service and technology providers across the U.S.

“Being named a 2026 InsuranceERM Americas Award winner for our work validates our efforts to meet the evolving needs of the PRT marketplace,” said Paula Cole, head of Nationwide PRT. “Our experience in the industry, flexible solutions and extraordinary care that lasts beyond the transition are helping set us apart in a competitive and fast-growing market.”

Nationwide completed the award-winning transaction on an exceptionally compressed timeline and delivered a single, integrated solution for all participants, including administration that could seamlessly support Puerto Rico benefits alongside those in all 50 U.S. states. When the broker initially began searching for the unique PRT product needed for this case, they only found two carriers in the industry who could meet the client’s needs. At the time, Nationwide was not one of them – but the team quickly jumped into action.

To participate, Nationwide worked in close coordination with multiple internal teams and the broker to successfully bring the unique PRT product to life. That effort enabled the team to meet the plan sponsor’s goal of completing the transaction cleanly and confidently while maintaining continuity for participants.

“This transaction reflects Nationwide’s ability to deliver certainty under pressure,” Cole said. “Operational readiness, governance and participant-focused administration mattered more than price for this plan sponsor, and our team moved with precision and speed to respond. We’re honored that InsuranceERM recognized the outstanding work we’re doing together.”

Visit nationwide.com to learn more about the product and services Nationwide offers to help plan sponsors de-risk pension obligations.

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Nationwide has selected Nick Andersen as the new leader of Agribusiness Distribution and Underwriting, following Dirk Pollitt’s retirement. Effective July 1, Andersen will lead Nationwide’s farm, ranch and commercial agribusiness sales and underwriting teams and oversee operational work that influences business performance.

Andersen currently serves as Vice President of Agribusiness Claims and Strategic Transformation and brings more than 25 years of insurance experience to his new role.

“Nick brings deep experience across underwriting, product, operations and claims, along with a strong partnership mindset that will serve our agribusiness team well,” said Brad Liggett, president of Nationwide Agribusiness. “He is a thoughtful, steady leader who has made meaningful contributions across our organization, and I’m confident he is well suited to help lead Nationwide Agribusiness into the future.”

Andersen also has a strong commitment to community leadership through board service, including Simpson College Board of Trustees and past leadership with the Des Moines Community Playhouse and The American Red Cross of Central Iowa.

Joel Carnes, president of Nationwide pet insurance, has announced that Andee Gravitt will be the company’s new leader of pet insurance sales. Gravitt will report to Carnes, effective June 8. 

“Andee has a proven track record of success delivering profitable, long-term revenue and growth, and leading strategic sales and relationship teams across large B2B companies,” Carnes said. “She understands how to navigate complex client environments with confidence, clarity and collaboration.”

Most recently, Gravitt served as AVP of Institutional Consultant Relations for Nationwide Retirement Solutions (RS), the company’s employer-sponsored retirement plan business, where she led national strategy for consultant engagement. During her nine years with RS, she was responsible for some of the company’s largest plans in the western United States and helped build the company’s Consultant Relationships team. Her leadership strategy strengthened consultant partnerships across the national network, helped retain and win business and expand the sales pipeline.

“Andee is widely recognized as a trusted partner to clients and colleagues alike, known for her calm, solutions-oriented leadership and her ability to align diverse teams around shared goals,” Carnes said. “As we continue to evolve our sales organization, Andee’s experience in driving sustainable growth, deepening client relationships, and strengthening market position will be instrumental in positioning us for rapid growth.”

Gravitt is a proud pet parent of an energetic Red Merle Australian Shepherd, River, who brings constant movement and personality to the household.

About Nationwide pet insurance
With more than 1 million actively insured pets, Nationwide is the first and one of the largest providers of pet insurance in the United States. Nationwide pet insurance plans cover dogs, cats, birds and exotic pets for multiple medical problems and conditions relating to accidents, illnesses and injuries. Policies are sold direct-to-consumer and through workplace voluntary benefits programs. For more information about Nationwide pet insurance, visit petinsurance.com.

Nationwide serves as recordkeeper for California Savings Plus and New York State Deferred Compensation Plan (NYSDCP), both of which were Top 3 finalists for 2026 Plan Sponsor of the Year in the Government DC>$1B category.

California Savings Plus was recognized for its sweeping modernization effort and investment lineup reforms that save participants more than $24 million annually in fees.

NYSDCP’s nomination stood out for the scale and precision of its major fund lineup review and a $16.3 billion transition affecting 175,000 accounts with no reported downtime or incidents.

Also during the awards program, Nationwide Retirement Solutions associates Lauren Kime, Zack Sharp and Jake Sours were honored as 2026 PLANSPONSOR Service Stars. The Service Stars program recognizes retirement plan account representatives and relationship managers who, according to their plan sponsor clients, have demonstrated exemplary service.

“Congratulations to California Savings Plus, NYSDCP and our Service Star associates Lauren, Zack and Jake on earning these prestigious industry recognitions,” said Kevin Jestice, president of Nationwide Retirement Solutions. “All of these honors reflect our collective dedication, innovation and participant-first focus to help drive stronger retirement outcomes every day.”

Nationwide Retirement Solutions is a business within Nationwide, a Fortune 100 company based in Columbus, Ohio, that is one of the largest and strongest diversified financial services and insurance organizations in the United States. Nationwide Retirement Solutions helps secure financial futures for approximately three million participants in 30,000 retirement plans with $250 billion in assets, across full-service recordkeeping, investment solutions, and pension risk transfer¹. Nationwide remains No. 1 in public 457 plans (based on the number of plans)² with an average tenure of 29 years¹. The company also continues to maintain significant presence in private 401(k), nonprofit 403(b) markets, and pension risk transfer.

For 50 years, Nationwide has remained committed to continually improving its retirement solutions and service experience to better support individuals preparing for and living in retirement. The company offers a diversified portfolio of solutions that complement its traditional recordkeeping and education services. Nationwide’s goal is to help participants prepare for retirement by providing investment solutions and services designed to support long-term growth, risk management and income planning. These offerings include mutual funds, managed accounts, pension risk transfer capabilities, fixed and stable value solutions, and lifetime income options.

Visit nrsforu.com for more information about the tools and services Nationwide provides to retirement plan participants. 

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¹ Nationwide Financial (Dec 31, 2025)
² PLANSPONSOR 2025 Recordkeeping Survey

“An advantage of our modern mutual structure is being able to plan long-term, and our progressive rise up the Fortune 500 reflects an intentional, aggressive plan to grow our businesses,” said Nationwide CEO Kirt Walker. “Our diverse portfolio, strong capital position and iconic brand allow us to grow with intention, navigate volatility and remain strong and stable for those who rely on us.”

In the last four years, the insurance and financial services giant has moved up 14 places on the list.

Nationwide is the:

• Largest private company headquartered in Ohio
• Third largest mutual insurer in the U.S.
• Sixth largest insurer overall
• Sixth largest company in Ohio
• Second largest Central Ohio-based company

The recognition points to the breadth of Nationwide’s insurance and financial services businesses and its place among the nation’s largest corporations.

Fortune ranks U.S.-based companies on their annual revenues for their respective fiscal years. Revenues for insurance companies include premium and annuity income, investment income and capital gains or losses.

View the 2026 Fortune 500 list.

In Ohio, local partners within the Feeding America network like the Mid-Ohio Food Collective (MOFC), are working to ensure seniors don’t have to make impossible choices between food, medicine and housing. One way MOFC is addressing senior hunger is through its Commodity Supplemental Food Program (CSFP), which provides eligible Ohioans 60 and older with a free, monthly box of shelf-stable and nutritious food.

Recently, Nationwide employees took a hands-on approach to supporting this initiative during volunteer “takeover days” at the MOFC for the CSFP initiative. Nationwide’s coordinated effort over two days put the program well ahead of pace, averaging 450 boxes packed per volunteer day, which will help feed nearly 1,000 seniors facing food insecurity across Central Ohio.

“Events like takeover days bring our partnerships to life in a meaningful way. By stepping into our environment, volunteers gain a deeper understand of the challenges our neighbors face and the scale of work required to address food insecurity,” said Jeremy Brauning, volunteer services manager at MOFC. “At the same time, their energy and effort help us expand our reach and serve individuals and families efficiently.”

Nationwide’s support of the Mid-Ohio Food Collective goes beyond a single day of service. Volunteerism is one part of the company’s broader commitment to strengthening communities and supporting long-term well-being.

“Nationwide’s partnership with the Mid-Ohio Food Collective reflects a decades-long commitment to fighting hunger and strengthening the communities we call home,” said Chad Jester, president of the Nationwide Foundation. “Together, we’re working to ensure our neighbors have access to the food they need to live healthier, more stable lives.”

This year, Nationwide employees are helping to celebrate its centennial in 2026 by giving 100,000 hours of volunteer service to support their local neighborhoods. Through these efforts, employees are helping people across the country access food, medical care, emergency shelter and so much more.  

Since 2000, the Nationwide Foundation has donated more than $41 million to Feeding America food banks and hunger-relief organizations. Since 2009, the Nationwide Foundation has donated more than 134 million meals through Feeding America.

Learn more about how Nationwide supports communities through its Corporate Citizenship initiatives, or help end hunger by donating, volunteering, or advocating through Feeding America.

This unease is widespread. A majority of women investors (77%) say they are concerned about a U.S. economic recession, and that anxiety appears to be shaping how many are viewing their own future. While about four in 10 say they are on track to retire about the same time as planned, 14% say they do not know whether they will ever be able to retire, according to Nationwide’s survey.

Perhaps even more alarming, despite their concerns about volatility impacting their ability to retire, many women investors do not have a formal plan to protect themselves against market turbulence. One-third (33%) said they do not have a strategy in place to protect their assets against market risk, while another 14% said they are not aware if they have a market risk strategy at all.

“The need for financial advice is clear,” said Suzanne Ricklin, senior vice president of Nationwide Retirement Solutions Distribution. “Women investors are navigating uncertain markets against a unique backdrop of challenges specific to them and many are doing it without a clear plan in place.”

The good news? Women are open to working with an advisor, with 34% saying they prefer to work with an advisor to help guide their financial planning. But the advisor relationship is not always working as it should. Nearly three in 10 (29%) women investors with an advisor say they have experienced ‘mansplaining’ – explanations delivered in a way that feels condescending rather than helpful.

“I believe advisors have good intentions when they are trying to break down financial topics with their female clients, but it’s important for women to speak up if they feel those explanations are not providing the information and approach they need,” said Ricklin. “Our survey makes it clear that women don’t want to be talked at, they want to engage in a discussion. Seek out an advisor who creates a non-judgmental space for you to ask questions and address your concerns.”

Ricklin shared five things women should look for in a financial professional:

1. Listens first, advises second: Seek out an advisor who asks thoughtful questions about your life, priorities and values before offering recommendations. You should feel heard and understood.

2. Communicates clearly: A good advisor should explain strategies in easy to understand language, use examples when helpful and welcomes questions.

3. Takes a holistic view: Women’s financial lives may include caregiving responsibilities, career breaks and longer lifespans, so planning should extend beyond investments alone.  

4. Respects your comfort with risk: Your comfort level matters as much as your potential returns. Your advisor should help build a strategy that reflects both your goals and your ability to stay confident during market swings.

5. Treats planning as a collaboration: The best advisor relationships are partnerships that leave women feeling informed, empowered and involved in decisions.  

“A great way to identify an advisor who is skilled at serving women clients is to talk to your female family and friends who currently work with one,” Ricklin said. “A referral from someone you trust can be a great place to start. Their experience is a great way to understand what to expect before you invest your time and money in a new advisory relationship.”

Need to connect with a financial professional? Nationwide has a team of specialists ready to listen and learn about your unique insurance and financial needs.

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Nearly all (95%) women investors with advisors agree their advisor treats them with the same respect as male investors, including over two-thirds (68%) who strongly agree. Even so, there is room for advisors to grow when it comes to how that respect shows up in everyday conversations. Three in 10 (29%) women investors with advisors say their advisor sometimes ‘mansplains’ concepts to them in a way they don’t always appreciate.

Women investors are not questioning whether their advisor cares. Rather, they are signaling where there is an opportunity to communicate better. About one in three (34%) women investors say they find their advisor condescending when explaining recommendations or responding to questions. About the same amount (32%) say their advisor assumes they know less about finances than they actually do.

“I believe advisors have the best intentions when they are trying to break down financial topics with their women clients, however it’s important to recognize that what may be intended as a helpful explanation can land as dismissive or condescending,” said Suzanne Ricklin, senior vice president of Nationwide Retirement Solutions Distribution. “Our survey makes it clear many women investors don’t want to be talked at, they want to engage in a discussion and have a conversation around their needs. Advisors should ask thoughtful questions to get to the root of their client's needs, do the research to be well-versed in the unique issues women are facing and listen to understand each client's unique goals and perspectives. When advisors shift their emphasis from explaining to asking questions and listening to what is most important to their women clients, they can build stronger relationships and more aligned goals.”

Women investors seek education amid uneasy macro outlook
The need for financial guidance feels as urgent as ever for women investors. Navigating a distinct set of financial pressures, many are looking ahead with a mix of determination and unease, and with a clear appetite for support.

That unease is grounded in real economic and retirement worries. A clear majority (77%) of women investors are concerned about a U.S. economic recession. Only four in 10 (39%) non-retired women investors say they are on track to retire about the same time as they previously planned, while more than one in 10 (14%) don’t know if they’ll ever be able to retire.

What women investors do know is what kind of help they are looking for. Their preferences point to a consistent theme: they want to be active participants in their financial planning, not passive recipients of advice:

• More than two in five (44%) women investors prefer to fully understand their options before making decisions.
• 34% of women investors prefer to work with a financial professional to guide their financial planning.
• 21% of women investors seek out educational resources to help them understand financial strategies.

“Women told us they want clarity and context. Advisors can put that into action by taking time to fully lay out options and inviting questions during conversations,” Ricklin said. “By encouraging open dialogue about what is important to them, you’ll ensure your women clients’ priorities are being heard and addressed.”

Women advisors are leading the way with tailored service
Women advisors are approaching women clients differently than their male peers. When taken together, nearly all (99%) women advisors indicate they have taken specific actions to better serve women clients, including:

• Nearly half (47%) of women advisors have developed strategies specifically for women going through major life transitions, compared to just 34% of men advisors.
• More than two in five (43%) women advisors have increased their focus on protection and guaranteed income solutions, compared to just 35% of men advisors.
• A similar share (44%) of women advisors have studied the unique retirement challenges women face (e.g., longevity, caregiving, wage gaps), compared to just 38% of men advisors.
• More than a third (36%) of women advisors have completed training or education on financial planning for women, compared to just 29% of men advisors.
• Two in five (40%) women advisors have sought feedback from women clients on how they can better serve them, compared to just 35% of men advisors.

Across each of these key measures, women advisors are more likely to have taken the specific steps that women investors say matter most. Male advisors looking to strengthen their relationships with women clients may benefit from incorporating the best practices of their women colleagues.

“Our survey found that many women advisors are structuring conversations around personalization and intentionality, taking the time to understand their client’s retirement goals and aspirations. That approach builds trust and makes financial planning feel empowering rather than transactional,” Ricklin said. “Male advisors can increase their success with women investors by evolving their approach throughout the client engagement process, incorporating additional questions and discussion opportunities for their women clients.”

While some advisors may overestimate their skill set, others lean into opportunities
Advisors feel confident they recognize the needs of their women clients. More than nine in 10 (91%) advisors rate themselves as skilled at meeting the specific needs and expectations of women clients, and a similar share (95%) say they have already taken specific actions to better meet those needs.

Despite near-universal confidence in their own abilities, fewer than four in 10 advisors (37%) say they actually understand their women clients' financial and retirement goals. Only 38% say they understand the impact of the unique financial challenges women face, such as longer lifespans, caregiving responsibilities and wage gaps. 

In practice, just one in four advisors (25%) say they have received formal training on the unique financial challenges women face, pointing to a meaningful disconnect between self-assessed skill and professional development. This suggests that for many advisors, confidence has outpaced preparation.

Still, a significant number of advisors recognize the opportunity and are taking steps to close the gap. Four in 10 (40%) say they prioritize building a human connection and demonstrating genuine care with their women clients, and an equal share (40%) say they take time to educate their women clients on financial strategies and ensure they truly understand their options. Another 26% say they actively adjust their communication style to avoid being condescending.

“Women are controlling more wealth, yet many still feel underserved by the industry – exposing a critical opportunity for advisors,” Ricklin said. “By creating a more inclusive, collaborative experience that prioritizes listening, education and partnership, advisors can build trust with their women clients, encouraging them to stick around for the long-term, refer others and ultimately grow their practice. A great way for advisors to ensure they are hitting the mark is to ask for direct feedback from women clients about their communication preferences and what approaches they find most helpful in their decisioning.

Ricklin offers this advice to women investors trying to find a good financial advisor: “There is no substitute for a great referral. Ask your friends and family about the experience they have had working with their advisors. That may be the best indication that a particular advisor would be a good fit and can help with your specific needs.”

For more insights on this survey data, see our infographic.

Nationwide’s Retirement Institute^® survey, formerly known as the Nationwide Advisor Authority survey, explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

Nationwide Retirement Institute Survey Methodology
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 advisors and financial professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, January 15-February 6, 2026. Among the investors, there were 882 women investors and 421 women investors working with a financial professional. Among the advisors, there were 119 women advisors.

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The sampling precision of Harris online polls is measured by using a Bayesian credible interval.  For this study, the sample data for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.98 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

NVMM’s Service in Action Nooks, a hands-on pilot program supported by the Nationwide Foundation, introduce children to the power of service through storytelling, creativity and action. Designed to foster literacy, civic engagement and empathy, the Nooks invite visitors of all ages to explore stories inspired by the lived experiences of U.S. veterans and to reflect on how service shows up in many forms, from military duty to everyday acts of kindness within a community.  

Through books, educational materials and interactive service projects, the Service in Action Nooks encourage children, students and families to create, connect and make a difference in their own way. The program continues to expand, with permanent Nooks now located at the Columbus Metropolitan Library’s main library, at NVMM and most recently at the Martin Luther King Jr. Branch.  

Photo Credit: Dan Trittschuh Photography

Since launching in November 2025, the Service in Action Nooks have inspired service participation from more than 6,800 individuals. Children and visitors have completed more than 1,200 thank you letters to veterans, 360 kindness cards for military-connected youth, 240 community bookmarks to encourage other children to read and nearly 200 “welcome home” signs for service members, all meaningful gestures that reinforce remembrance and gratitude.  

The impact is being felt across the community, including among students at 18 local schools that have participated in service projects connected to the Nooks. 

A Cristo Rey High School student shared, “I have truly learned the sacrifice veterans have done for this country, and I will forever remember it. I have also learned that even veterans who didn't necessarily go to war are still true heroes.” 

For the Nationwide Foundation, Service in Action Nooks reflect a broader and longstanding commitment to veterans, service members and children’s wellbeing.  

“Honoring veterans is about both remembrance and action,” said Chad Jester, president of the Nationwide Foundation. “Through our partnership with NVMM, we aim to honor service, expand access and inspire the next generation to understand the impact veterans have had on our communities." 

Nationwide’s support is part of NVMM’s ongoing efforts to engage the community and promote awareness of the contributions and sacrifices of the nation’s veterans and active-duty service members. To further honor those who have served, Nationwide has sponsored free admission for more than 3,000 veterans, active-duty service members and Gold Star family members to visit NVMM since May 1, 2025.  

Nationwide has granted more than $1.5 million to NVMM to support its initiatives. In addition, the Nationwide Foundation has provided over $3 million in general operating support since the museum’s inception. 

Learn more about how Nationwide supports communities through its Corporate Citizenship initiatives. For more information on its philanthropic efforts, visit the Nationwide Foundation page. 

Nationwide Retirement Solutions announces that Adam Lacks has been appointed associate vice president (AVP) of Product Development for government markets, effective April 27. In this role, he will report to Hutch Schafer and lead product strategy, design and development for the Retirement Solutions business supported on the DCdirect recordkeeping platform.

Lacks will oversee the development of new products, features and capabilities designed to keep Nationwide’s retirement plans business aligned with and ahead of the evolving public sector defined contribution marketplace. He will also work closely with Sales, Operations, Legal, Finance, Marketing and Technology to help deliver solutions, advance key initiatives, and drive consistent execution and adoption.

“Adam brings a strong combination of product expertise, finance acumen and deep experience in our government market. He understands what our partners, plan sponsors and participants need, and he knows how to translate those insights into practical solutions,” said Schafer, vice president of Retirement Solutions product development. “With Adam leading our public sector product strategy, we’re well positioned to continue evolving our offerings, delivering meaningful innovation and helping public sector clients achieve better retirement outcomes.” 

Before stepping into this role, Lacks served as AVP, Retirement Solutions Finance, where he led pricing strategy across retentions, acquisitions, plan enhancements, Stable Value Wrap and Nationwide Trust Company. Prior, he was in Retirement Solutions where he led the Government Solutions Center, where his teams delivered award-winning service¹ and implemented key technology and process improvements.

Lacks holds a Master of Science in Management from The American College and a bachelor’s degree in political science from Ohio University, where he was recognized as a Collegiate Distinguished Military Graduate. He also maintains FINRA Series 6 and 26 registrations.

Nationwide Retirement Solutions helps secure financial futures for approximately three million participants in 30,000 retirement plans with $250 billion in assets, across full-service recordkeeping, investment solutions, and pension risk transfer². Nationwide remains No. 1 in public 457 plans (based on the number of plans)³ with an average tenure of 29 years². The company also continues to maintain significant presence in private 401(k), nonprofit 403(b) markets, and pension risk transfer.

For 50 years, Nationwide has remained committed to continually improving its retirement solutions and service experience to better support individuals preparing for and living in retirement. The company offers a diversified portfolio of solutions that complement its traditional recordkeeping and education services. Nationwide’s goal is to help participants prepare for retirement by providing investment solutions and services designed to support long-term growth, risk management and income planning. These offerings include mutual funds, managed accounts, pension risk transfer capabilities, fixed and stable value solutions, and lifetime income options.

Visit nrsforu.com for more information about the tools and services Nationwide provides to retirement plan participants. 

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¹DALBAR, Inc. recognized Nationwide Retirement Solutions with the 2025 Plan Participant Service Award, its 12th consecutive year receiving the honor.
²Nationwide Financial (Dec. 31, 2025)
³PLANSPONSOR 2025 Recordkeeping Survey

As pressures mount, more farmers and agribusiness operators are turning to technology to help identify problems earlier, improve decision-making and prevent avoidable losses before they happen.

“Nationwide’s risk management technology partnerships are helping producers move from reactive risk management to proactive risk prevention,” said Vicente Rico, risk management product development lead for Nationwide Agribusiness. “The goal is not just helping customers recover after a loss, but helping them avoid the loss altogether.”

Detecting Risks Before Disaster Strikes
A routine visit between farm certified agent Ron Panichelle and dairy customer Lone Oak Farms helped uncover a hidden electrical issue that could have led to a catastrophic fire.

While scanning breaker boxes with thermal imaging technology from Teledyne FLIR, Panichelle identified a breaker reaching temperatures above 400 degrees during corn drying season. The issue was repaired before it could ignite and disrupt the farm’s operation.

“We were able to continue with minimal downtime,” said Matthew Carr of Lone Oak Farms. “It could’ve been a lot worse.”

Improving Safety Behind the Wheel
As Velvet Ice Cream expanded its fleet operations, the company turned to video telematics technology to improve driver safety and accountability.

According to company president Luconda Dager, the technology helped significantly reduce driving incidents while also helping quickly resolve accident investigations.

“Razor Tracking has been a game changer for us,” Dager said. “Within like a month and a half, we went from double digit incidences down to like two.”

Preventing Small Fires From Becoming Major Losses
Equipment fires during harvest and baling season can escalate quickly, damaging machinery and interrupting operations.

That reality became clear for Tim Bauman of Bauman Farms after a fire started on his tractor while baling hay. Just weeks earlier, his agent, Keenan Rice of Eclipse Insurance Agency, had provided Enforcer One’s Firebull fire extinguishers through a Nationwide-supported initiative.

The extinguisher allowed Bauman to suppress the flames long enough to disconnect his baler and prevent the fire from spreading further.

“Probably 50 to 60 thousand [dollars] in value was able to be saved,” Rice said.

Supporting Agriculture Beyond the Policy

Nationwide continues to expand its risk management technology partnerships, giving agriculture businesses access to tools and services that help identify risks, improve safety and support operational efficiency.

For agents like Rice and Panichelle, these partnerships and loss prevention resources reflect a broader commitment to helping customers protect their operations, prevent avoidable losses and build stronger businesses over time.

• Nationwide’s Chief AI and Digital Transformation Officer delivered the 2026 Ohio Tech Summit keynote address to a packed house at The Ohio State University on May 14, 2026.
• Kandhari emphasized that cross-functional teams are essential because AI decisions touch technology, business, data and risk at the same time.
• Kandhari stressed that AI adoption requires a behavioral shift as much as a technology investment, with time to learn, experiment and build confidence.

Ohio technology leaders don’t need to start from scratch on AI, but they do need to lead differently.

That was the message from Nationwide Chief AI and Digital Transformation Officer Chetan Kandhari to the 2026 Ohio Tech Summit audience at The Ohio State University.

Kandhari says that the next phase of AI adoption will be defined less by the technology itself and more by how organizations build teams, help people adapt and develop a new leadership mindset.

For Kandhari, the future is clear: AI is no longer a side experiment or isolated technology initiative. It is becoming a business transformation that will redefine how companies work, serve customers and lead through change.

AI works best when organizations build together

According to Kandhari, one of the most important lessons from Nationwide’s own AI journey is that no single function can own this work alone. AI touches business operations, customer experience, governance, data and risk, which means organizations move faster and more responsibly when those voices are at the table from the beginning.

“Nationwide’s own approach reflects that model,” said Kandhari. “The company has used machine learning and AI for more than 15 years, established an Enterprise Analytics Office early in its journey and now has more than 100 models in production. When generative AI accelerated in 2023, Nationwide brought together a cross-functional team from technology, business, data and risk to explore more than 30 use cases, launch 11 pilots and scale six initiatives.”

Kandhari revealed that work helped shape the company’s broader AI operating model, which includes Everyday AI for all associates, Local AI for team-specific problems, Exploratory AI for emerging technology trends, Flagship AI for high-impact transformation and Shared AI Capabilities & Accelerators that help teams build on common platforms and tools instead of starting over each time. 

“AI is not just a technology decision – it touches teams across our company,” said Kandhari. “This can’t sit within a single function. Opportunities and risks have to be considered together.”

Real AI adoption depends on changing behavior, not just deploying tools

Kandhari also emphasized that making AI available is not the same as making it useful. Tools matter, but organizations only unlock value when people have the time, support and confidence to apply them in their day-to-day work.

For Nationwide, that has meant pairing technology rollout with adoption support. Kandhari pointed to the company’s rollout of an AI assistant to all associates, connecting it directly to their tools and documents so they can find information and get support in the flow of work. At the same time, Nationwide has continued investing in its Future of Work program, where AI has been the number one topic chosen by associates for three straight years.

The company has also built a network of more than 600 change champions across the enterprise to help teams adopt and apply AI in practical ways. Kandhari framed that as a reminder that successful AI transformation is ultimately a people challenge as much as a technical one.

“Having the tools isn’t enough. People need time to learn, the space to experiment, and the support to understand how AI fits into their work,” expressed Kandhari. “Adoption doesn’t happen just because something is available; it happens when people feel confident and comfortable using it.”

The next era of AI will require leaders to think differently

Kandhari encouraged the audience to have an eye on the future. AI is evolving from systems that follow rules, to systems that generate content, to systems that can increasingly reason through problems and act across multiple steps. That progression, he said, creates a new challenge for leaders who must guide organizations through both the opportunity and the disruption that comes with it.

He pointed to the broader market shift as evidence that this moment is arriving quickly. 

“According to a McKinsey study, only about 20% of organizations reported using AI in at least one business function in 2017, that adoption hovered around 50% until late 2022 and that by 2024 it had climbed above 70% as generative AI became accessible to far more people,” said Kandhari.

For Nationwide, that acceleration helped drive a strategic decision in June 2025 to move away from isolated experimentation and embed AI directly into the business strategy, backed by a $1.5 billion technology commitment with more than 20% dedicated specifically to AI.

Kandhari emphasized the real differentiator will be leadership. As AI becomes more capable, leaders must bring both vision and empathy so people feel empowered rather than overwhelmed.

“Leading with AI requires a new mindset. AI – and especially what’s coming with agents – gives us the opportunity to rethink how work gets done. How decisions are made. And how we serve customers,” said Kandhari. “The technology is here. The question now is how we choose to lead with it.”

• Amelia Dunlap has been named vice president, Government Retention & Growth.
• Brenda Anderson transitions to associate vice president, Strategic Relationship Management.
• John Archer moves into the role of associate vice president, Government Large Case.

Amelia Dunlap brings more than two decades of experience across the financial services industry and has led Nationwide Retirement Solutions Marketing since 2020. In her new role, she will lead  the public sector field teams, focusing on retaining and driving plan profitability and growth. She will also partner closely with the Strategic Relationship Management teams on the development and implementation of key plan strategies. Dunlap reports to Ricklin.

Brenda Anderson joins the Sales Leadership Team, focusing on establishing multi-year strategic growth and retention plans for Nationwide’s largest clients across markets. She has more than 40 years of Nationwide experience leading distribution teams across the enterprise, including 25 years in Nationwide Financial. Anderson reports to Ricklin.  

John Archer will lead teams serving mega government plans, focusing on the strategic priorities of each of the company’s state plans while continuing to innovate and enhance Nationwide’s footprint in the mega government segment. Over the last 20 years in Retirement Solutions, he has held roles in sales, finance, operations, training, and sales execution, including his most recent position leading sales in the Central Region. Archer reports to Dunlap. 

“These leadership changes position us to continue to deepen relationships with our plan sponsors and intermediary partners, drive sustainable growth and deliver even more value to the participants who count on Nationwide for their financial futures,” said Ricklin.  “By making these shifts, I’m excited that we were able to leverage the exceptional talent on our team as we evolve to meet the changing needs of the retirement marketplace.” 

Nationwide Retirement Solutions helps secure financial futures for approximately three million participants in 30,000 retirement plans with $250 billion in assets, across full-service recordkeeping, investment solutions, and pension risk transfer¹. Nationwide remains No. 1 in public 457 plans (based on the number of plans)² with an average tenure of 29 years¹. The company also continues to maintain significant presence  in private 401(k), nonprofit 403(b) markets, and pension risk transfer.

For 50 years, Nationwide has remained committed to continually improving its retirement solutions and service experience to better support individuals preparing for and living in retirement.  The company offers a diversified portfolio of solutions that complement its traditional recordkeeping and education services. Nationwide’s goal is to help participants prepare for retirement by providing investment solutions and services designed to support long-term growth, risk management and income planning. These offerings include mutual funds, managed accounts, pension risk transfer capabilities, fixed and stable value solutions, and lifetime income options.

Visit nrsforu.com for more information about the tools and services Nationwide provides to retirement plan participants. 
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¹ Nationwide Financial (Dec. 31, 2025)
² PLANSPONSOR 2025 Recordkeeping Survey

The milestone was highlighted during Nationwide’s 2026 Patent Awards Ceremony, where the company recognized six inventors whose work over the past year is helping drive business and technology forward. The celebration reflects significant momentum since Nationwide received its first U.S. Patent and Trademark Office patent in 2000. 

Today, Nationwide’s growing patent portfolio spans analytics, digital platforms, product innovation and new business solutions, showcasing ideas from across the enterprise and reinforcing the company’s commitment to forward-thinking technology. 

“In many ways, the patent milestone is more than a number,” said Nationwide Chief Technology Officer Michael Carrel. “It reflects a culture that values curiosity, collaboration and problem-solving — and a belief that great ideas can come from anywhere inside the company.” 

The achievement carries added significance during Nationwide’s centennial year. On April 14, 2026, the company marked 100 years since selling its first insurance policy — rooted in a mission to meet real customer needs with practical solutions. 

“That same purpose continues to guide Nationwide today,” said Nationwide Chief Customer, Strategy and Innovation Officer Mike Mahaffey. “Across the organization, associates are developing innovative tools, products and capabilities designed to make customer experiences simpler, faster and more secure.” 

As Nationwide enters its second century, reaching 100 patents represents both a milestone and a momentum marker — signaling that the company’s next era of innovation is already underway. 

Learn more: Visit the Nationwide Technology & Innovation newsroom page to explore the latest advancements. 

When the results finally came back, Braylee was diagnosed with a malignant mixed germ cell ovarian tumor, a rare, aggressive type of cancer that is a combination of two or more types of germ cell tumors.

After meeting with the hospital’s oncology team immediately following the diagnosis, Braylee had a port installed and began chemotherapy. After enduring several rounds of chemo and spending her 12^th birthday at Nationwide Children’s, Braylee completed her treatment plan in January 2024. Just a few weeks later, the family received the wonderful news that the scans showed no sign of the tumor and no further treatment was needed. 

Now 14 years old, the eighth grader who aspires to be either a family physician or pediatric psychiatrist has a message of encouragement for anyone facing health challenges. “Keep going. You will get there. You’re in the tunnel, and the tunnel might be long, but it doesn’t stay dark forever.”

Braylee’s courageous spirit was celebrated at the 16^th annual Legends Luncheon presented by Nationwide, where Jack and Barbara Nicklaus, along with son Jack II and his wife Alli, announced Braylee as the 2026 Nicklaus Youth Spirit Award recipient. The award honors a patient champion who has shown strength and positivity in the face of adversity. The recognition is a highlight of the Legends Luncheon, an annual event hosted by the Memorial Tournament presented by Workday, that showcases the Nationwide Children’s Hospital and Nicklaus Children’s Health Care Foundation alliance.

“Stories like Braylee’s reinforce why Nationwide is proud to support Nationwide Children’s Hospital and its commitment to ensuring that children and families receive exceptional care when they need it most,” said Ann Bair, Executive Vice President and Chief Marketing Officer for Nationwide.

This year’s event raised $1.5 million for the Nicklaus Children’s Health Care Foundation and Nationwide Children’s Hospital alliance, bringing the 16-year total to nearly $18 million. All proceeds of the Legends Luncheon directly benefit the young patients and families that Nationwide Children’s compassionately serves each day.

Learn how you can support the work being done at Nationwide Children's Hospital. 

Years later, the insurance agent at the family-owned Bouchat Agency in Natrona Heights, Pennsylvania got that chance when he was invited by Nationwide to announce a pick at the 2026 NFL Draft in his hometown of Pittsburgh.

On Day 3 of the Draft, Bouchat took the podium before tens of thousands of football fans to reveal the fifth round, 154th overall selection, for the San Francisco 49ers – Jaden Duggar, linebacker from University of Louisiana. (Watch Nick announce the selection. Courtesy: NFL.com)

The moment took on added meaning due to a unique circumstance that loosely connected the Bouchat family to Duggar, who hails from the Pittsburgh area. Outside of his work as the agency co-owner, Nick’s father Jon has been a volunteer kicking coach for high schoolers in the western Pennsylvania area for roughly 15 years.

“Jaden is from Penn Hills, and my dad actually coached against him a few years ago when he was at Kiski Area High School,” Bouchat said. “Penn Hills has a really rich tradition of sending players to the NFL, so for me to be the one calling his name, with that local connection, was pretty surreal.”

When asked to reflect on his overall experience at the Draft, Nick said, “I’m very appreciative, obviously. This is something I never expected to do in my lifetime. It was awesome from start to finish.”

For Nationwide, creating moments like this is one way to recognize agents.

“Nationwide’s partnership with the NFL enables us to offer once-in-a-lifetime experiences,” said Jim McCoy, vice president of sports marketing for Nationwide. “We’re so glad Nick enjoyed this very unique opportunity.”

That comprehensive strategy – and the measurable impact – has earned Nationwide the Business Group on Health Best Employers: Excellence in Health & Wellbeing Award. For more than 20 years, the award has recognized employers that advance workforce health through innovative and comprehensive benefits.

“Earning this recognition affirms that our programs are making a meaningful difference for our employees and their families,” said Jeff Burke, director of wellbeing at Nationwide. “Wellbeing continues to evolve, and so must we, to meet the changing needs of our workforce.”

In 2025, Nationwide strengthened its focus on mental health while expanding use of its research-based curriculum that helps employees build foundational habits for long-term health and personal growth. Offered in both live and self-guided formats, the program delivers practical tools across nutrition, mindfulness, resilience, sleep and financial basics, and is fully integrated into the company’s learning ecosystem – driving strong participation and reinforcing wellbeing as part of employee development.

This year, the company will further expand support through personalized, one-on-one financial coaching, providing employees with year-round access to expert guidance. This enhancement reflects employee feedback (60% of employees say they highly value financial resources) and the growing role of financial security in overall mental health and wellbeing.

“As we look ahead, our commitment remains the same: to support employees and their families in every dimension of their wellbeing,” Burke said. “When our people feel healthy, secure and supported, they can bring their best selves to work – and that strengthens Nationwide.”

To learn about employee benefits, visit Nationwide.com.

Customers can file a claim through Nationwide’s Claims Center or call 1-800-421-3535.

The Nationwide Foundation is helping expand a critical lifeline for young people experiencing homelessness across central Ohio with a $750,000 grant to support Star House’s new South Side drop-in center.

Star House operates the region’s only drop-in center specifically for youth ages 14 to 24 who are experiencing homelessness. As demand for services continues to grow across Ohio, the nonprofit recently broke ground on a second drop-in location on Columbus’ South Side to expand capacity and provide additional access to safety and support.

"Thanks to our committed community partners, we are on track to open a second drop-in center on the South Side to meet the unique needs of young people in this region and to offset capacity issues at our current center,” said Ann Bischoff, CEO of Star House. “We've nearly doubled the number of young people we've served since 2021 — the need has never been greater."

Expected to open in early 2027, the new South Side campus will be located in the former St. Ladislas Catholic Church. Public and private support will fund renovations and allow Star House to serve hundreds more young people annually when the new 26,000-square-foot center opens.

The space will offer food, clothing, hygiene supplies, showers, therapy, case management, health and legal services, workforce development and connections to housing. The church sanctuary will be transformed into a welcoming drop-in space, while the adjacent school building will serve as a community services hub and administrative center.

“Nationwide Foundation is honored to support Star House South Side because every young person deserves a safe place to go and people who believe in their potential,” said Chad Jester, president of the Nationwide Foundation. “This expansion ensures more youth can access care, stability and opportunity closer to where they live.”

Founded in 2006, Star House partners with teens and young adults as they exit homelessness and work toward long-term stability. The nonprofit also operates a 62-unit village of affordable housing for young adults transitioning out of homelessness. Its trauma-informed, low-barrier model addresses immediate needs while providing therapy, case management and pathways to housing, employment and education.

Learn more about how Nationwide Foundation supports communities through its Corporate Citizenship initiatives.

According to a new survey from the Nationwide Retirement Institute, 47% of investors have not had conversations with family members about how they’re planning for financial security in retirement. Even more striking, 17% say they don’t think these conversations are necessary.

Meanwhile, the 53% of investors who are talking with family members about retirement finances report that they span multiple topics. Conversations include wishes for end-of-life care, access to financial accounts and plans for passing on assets and managing finances when a parent becomes unable to do so, according to Nationwide’s survey.

“When a parent or loved one who has been a source of guidance and stability can no longer manage their finances or care for themselves, many families find themselves thrust into a sudden and overwhelming crisis,” said Juan José Pérez, senior vice president of Nationwide Strategic Customer Solutions. “It doesn’t have to be that way. Family conversations can help create a shared roadmap for how a family can come together to follow through on their loved one’s wishes if and when the time comes to do so.”

The good news? The vast majority of financial advisors are already helping families have these conversations as part of their practice. According to Nationwide’s survey, 90% of advisors say they currently facilitate conversations between aging clients and their adult children about retirement planning, healthcare costs or financial security, including 43% who say it’s a standard part of their practice.

However, generations differ on how involved they want their advisor to be when it comes to family financial planning. While 60% of Millennials say they want a financial advisor to serve as a facilitator for discussions, only 32% of Gen Xers and 16% of Baby Boomers agreed, according to Nationwide’s survey.

“Change can happen quickly, which is why it’s essential for loved ones to have a plan in place and be ready to step in when needed – something an advisor can help coordinate,” said Perez. “Older generations have an opportunity to clearly share their wishes and help their families feel prepared to support them when the time comes.”

Perez shared the following topics families may want to discuss during financial planning conversations:

1. Establish expectations: Parents should articulate their vision and plan for their life when they need more help and when they pass away. Younger generations should be honest about how they may be able to contribute to these plans as a caregiver or financial partner.

2. Retirement income and expenses: Talk through where money will come from in retirement, including Social Security, pensions, savings or investments. Discuss how it will cover everyday living costs, healthcare, housing and lifestyle goals. This helps set realistic expectations before problems arise.  

3. Health care and long-term care plans: Families should discuss health insurance coverage, Medicare decisions and potential long-term care needs. Chronic illness or cognitive decline can dramatically change financial needs.

4. Estate plans and beneficiary wishes: This includes wills, trusts, beneficiary designations and who will make decisions if someone becomes incapacitated. Clear conversations can prevent confusion, conflict and delays in the future.

5. Values and legacy goals: Beyond the numbers, families should talk about what matters most: supporting a surviving spouse, helping children or grandchildren, charitable giving or preserving a family legacy. These conversations help ensure financial plans reflect personal priorities.

Six in 10 (60%) Millennials (age 30-45) with financial professionals say they would welcome their advisor facilitating financial planning conversations among family members, compared to just 32% of Gen X (age 46-61) and only 16% of Baby Boomers and older (62+) who feel the same. Nearly half of Baby Boomers and older (46%) say they prefer to keep these conversations private, compared to just 10% of Millennials.

The stakes behind this divide are significant. Among Baby Boomers, 64% are actively transferring or planning to transfer wealth in the future, including 15% who are doing so right now. At the same time, this group continues to age, making the need for family alignment around their wishes and needs an issue that could be more urgent than some recognize. Notably, less than a quarter of Gen X and Baby Boomer investors (22% and 24%, respectively) have discussed with their next of kin how they can be prepared to help manage their finances when they become unable to do so.

“For many retirees, it can seem like everything is under control – until things change, which can happen fast,” said Juan José Pérez, senior vice president of Strategic Customer Solutions for Nationwide. “That’s when you need loved ones to not only understand the plan but also be ready to play their part. Older generations have an opportunity to help their family understand their wishes for the future and be better prepared to step in and help when the time comes. While private family conversations are a good place to start, a family meeting with an advisor at the table can accelerate a family’s ability to ensure a smooth, efficient and dignified transition.”

Half of investors are talking finances, while half put it off
When it comes to private conversations (without an advisor), investors are split on discussing finances as a family, with many not doing so at all. More than half (53%) of investors say they have had conversations with relatives (e.g., adult children or aging parents) about how they are planning for financial security in retirement in the past 12 months. Yet nearly half (47%) have not had these conversations — including 17% who say they don't think they’re necessary.

That reluctance is most pronounced among older generations. More than a quarter of Baby Boomers (27%) say it's not necessary: compared to just 8% of Gen Z, 12% of Millennials, and 14% of Gen X. Gen Z, by contrast, is the most likely to be planning ahead: 32% say they plan to have the conversation but haven't yet.

For older investors who do have conversations with family members, key priorities emerge:

• Half of Baby Boomers and older investors (50%) have shared their wishes for end-of-life care with their family.
• More than four in 10 of all Gen X and older investors (42%) have discussed access to their financial accounts, including 34% of Gen X and 47% of Baby Boomers and older investors.
• Nearly four in 10 (39%) of all Gen X and older investors have shared plans for passing on assets.

"When an older adult you’ve depended on your whole life for wisdom and stability suddenly becomes unable to manage their finances or care for themselves, it can feel like an instant crisis for many families,” Perez said. “It doesn’t have to be that way. Intergenerational conversations can help create a shared roadmap for how a family can come together to follow through on their loved one’s wishes if and when the time comes to do so.”

Advisors are ready to facilitate difficult conversations
Confident in their ability to navigate sensitive family dynamics, advisors are supporting families through difficult financial conversations. Nine in ten (90%) advisors say they currently facilitate conversations between aging clients and their adult children about retirement planning, healthcare costs, or financial security, including 43% who say it's a standard part of their practice. Most (91%) advisors say they are confident in their ability to facilitate sensitive family conversations with their clients.

Advisors are evolving their practices for a multi-generational approach
With most Baby Boomers having crossed the retirement threshold, nearly one in five advisors (17%) say their biggest concern about the long-term sustainability of their practice is client demographics, attracting new clients as older clients approach the end of their lives.

Advisors are taking deliberate action to better serve younger clients. Among advisors who work with clients under 45, the top approach to adapting their practice to serve across generations is focusing on retaining the family of existing clients via relationship building (27%). Additionally, a quarter of advisors (25%) say they are expanding their service offerings to be more holistic, rather than focusing on an investment-only approach.

“One of the biggest opportunities for advisors isn’t finding the next client – it’s deepening relationships with the families they already serve. It’s great to see advisors recognizing this and making it a focus. Advisors who intentionally bring family members into financial conversations, offer education around wealth transfer and stay present during major life events are far more likely to preserve trust and maintain continuity across generations, growing their practice as a result.”

Perez offered these tips to help families structure financial planning conversations with or without an advisor:

1. Start with wishes: Talk first about what matters most: End-of-life wishes, health and long-term care preferences, funeral plans, legacy goals, and how individuals want decisions made if they can no longer speak for themselves.
2. Make a plan for “if I need help:” Older parents should explain where key information lives — bank accounts, insurance policies, passwords, advisor contact information, legal documents, monthly bills, and emergency contacts — so adult children can step in quickly if needed. Agree on who would help, when they would step in, and what authority they would need.
3. Get the legal basics in place early: A conversation about money should include whether important documents are in place, including a will, power of attorney, healthcare power of attorney and any beneficiary designations. The goal is to reduce confusion, family stress, and delays later.
4. Share lessons learned across generations: Older savers can pass on the habits that helped them most — sharing tips related to living within their means, saving consistently, avoiding unnecessary debt, planning for emergencies, and thinking long term. Adult children can also highlight the financial challenges they may be facing. Parents are likely to have great advice or lessons learned that can benefit their younger loved ones today.
5. Make it an ongoing conversation, not a one-time event: The best family money talks are honest, respectful, and repeated over time. End the discussion with clear next steps: what documents to gather, what decisions need follow-up, and when to check in again.

For more insights on this survey data, see our infographic.

Nationwide’s eleventh annual Advisor Authority study, powered by the Nationwide Retirement Institute® explores critical issues confronting advisors, financial professionals and individual investors—and the innovative techniques that they need to succeed in today’s complex market.

About Advisor Authority: Methodology 
The Harris Poll, on behalf of Nationwide, conducted an online survey in the U. S. among 528 advisors and financial professionals and 2,012 investors ages 18+ with investable assets (IA) of $10K+, January 15-February 6, 2026. Among the investors, there were 1,041 with a financial professional, 179 Gen Z (age 18-29), 605 Millennials (age 30-45), 482 Gen X (age 46-61), and 746 Baby Boomers and older (age 62+).

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The sampling precision of Harris online polls is measured by using a Bayesian credible interval.  For this study, the sample data for advisors is accurate to within ± 4.3 percentage points using a 95% confidence level. For investors data is accurate to within ± 2.98 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest.  For complete survey methodology, including weighting variables and subgroup sample sizes, please contact news@nationwide.com.

About The Harris Poll
The Harris Poll is one of the longest running surveys in the U.S tracking public opinion, motivations and social sentiment since 1963 that is now part of Harris Insights & Analytics, a global consulting and market research firm that delivers social intelligence for transformational times. We work with clients in three primary areas: building twenty-first-century corporate reputation, crafting brand strategy and performance tracking, and earning organic media through public relations research. Our mission is to provide insights and advisory to help leaders make the best decisions possible. To learn more, please visit www.theharrispoll.com.

To help address this trend, Nationwide established the Golden Owl Award in partnership with state FFA organizations to celebrate excellence in agricultural education and invest directly in programs that help keep learning accessible for students across the country. 

Following more than 4,900 nominations across 15 states for the 2025–2026 Golden Owl Award, Nationwide and its partners are proud to honor 107 educators as finalists. 

California: 

• Shelby Fishman, Atwater High School
• Jennifer Knight, Clovis-East High School
• Robyn Payne, Sunset High School
• Russell Zimmerman, Nipomo High School
• Tara Meade, El Capitan High School
• Heather Thomas, Colusa High School 

Delaware:  

• Holly Hufford, Smyrna Middle School
• Stefanie Freimuth, Smyrna Middle School
• Karen Breeding, Woodbridge High School
• Kellie Michaud, Smyrna High School
• Lauren Ruskey, Caesar Rodney High School
• Mark Breeding, Caesar Rodney High School 

Iowa: 

• Malayne Meyer, Osage High School
• Krystal Wright, Benton Community High School
• Tyler Wingert, Ridge View High School
• Allison Reuvers, Colfax‑Mingo High School
• Zach Morris, West Liberty High School
• Ben Booth, IKM-Manning High School
• Barb Clawson, Iowa State University 

Illinois: 

• Scott Riden, United High School
• Joe Steffen, Newark High School
• Steve Sargeant, Bushnell‑Prairie City High School
• Betsy Burgener, Central A&M High School
• Curt Robbins, Fairfield Community High School
• Jay Solomonson, Illinois State University 

Indiana: 

• Lynnette Markley, Argos High School
• Michael Jones, Tippecanoe Valley High School
• Rebekah Peterson, DeKalb High School
• Mike Shirey, Heritage High School
• Chris Kaufman, Westfield High School
• ZoeAnn Chernowsky, Blue River Valley High School
• McCord Snider, East Central Middle School
• Emily Russ, Clinton Prairie High School 

Kansas: 

• Sonya Roberts, Hillsboro High School
• Jim Weller, Chapman High School
• Allison Dix, Phillipsburg High School
• Caity Thompson, Spearville High School
• Jeanie Wege, Hiawatha High School
• Dr. Kelly Hoelting, Mission Valley High School
• Karlea Clark, Cherryvale High School 

Kentucky: 

• Catherine Poole, South Warren High School
• Melissa Blackburn, Lawrence County High School
• Madison Goodlett, Leestown Middle School
• J.R. Zinner, Western Hills High School
• Aaron Tucker, Apollo High School
• Jason McWhorter, South Laurel High School
• Erin Arnett, Campbellsville High School
• Noel Pack, Meade County High School
• Cecil “CJ” Vise, Mason County High School
• Chris Thompson, Pendleton County High School
• Ben Prevette, Hopkins County Central High School
• Mercedes Branham, Carlisle County High School 

Maryland: 

• Becky Yost, Northern High School
• Greg Stull, Walkersville High School
• Sarah Skinner, Center of Applied Technology North
• Sarah Raulerson, Hereford Middle School
• Jerry Kelley, Parkside Career & Technical Education 

Missouri: 

• Johnny Viebrock, Smithville High School
• Jarred Sayre, Milan C‑2 High School
• Shelby Haag, Pettis County R‑V Schools
• Kristy Sivils, Aurora High School
• Jon Wilson, Gainesville High School
• Nick Nordwald, Sikeston Career & Technology Center
• Jack Green, North Central Missouri College 

Nebraska: 

• Brandon Jacobitz, Adams Central High School
• Lee Schroeder, West Point High School
• Shelly Kubicek, Aquinas Catholic Schools
• Tony Jensen, Freeman High School
• Christy Hodges, Johnson County Central
• Ben Robison, Alma High School 

New York: 

• Robert Markuske, New York Harbor School
• Rachel Rose, Greenville Central School
• Lee Levine, Galway Central School
• Nichole Cunningham, Sherburne‑Earlville Central School
• Katie Lindsey, Mount Markham Central School
• Rachael Howard, South Lewis Central School
• Cheyenne Nowalk, McGraw Central School
• Mary Coolbaugh, Marcus Whitman Central School
• Kelly Wilcox, Letchworth Central School
• Arissa Hitchcock, Randolph Central School 

Ohio: 

• Ryan Avers, Woodmore High School
• Shanna Finnegan, Firelands High School
• Roy Dria, Jackson High School
• Cody McClain, Seneca East High School
• Carmen Hartzell, Mississinawa Valley High School
• Alex Zimmer, Buckeye Valley High School
• Deanna Karpuz, Watkins Middle School
• Taylor Ryan, Indian Valley High School
• Brian Cummings, Hillsboro High School
• Marcheta Ferguson, Northwest High School 

Pennsylvania: 

• Doug Masser, Pequea Valley High School
• Curtis Swineford, Selinsgrove High School
• Kelly Kuhn, New Oxford High School
• Jessica Maron, Penns Manor High School 

South Dakota: 

• Adam Koll, Florence High School
• Dave VanderWal, De Smet High School
• Malynda Penner, Freeman High School
• Susan Roudabush, Ethan High School
• Austin Bishop, Belle Fourche High School
• Shane Gross, Hitchcock‑Tulare High School
• Josh Christensen, Harrisburg High School
• Renae Gebhart, Lemmon High School 

Utah 

• Johnathan Burton, Juab High School
• Jim Freston, Union High School
• Emili Sweat, Wasatch High School
• Chaleesa Brocious, Spanish Fork Junior High
• Chad Warnick, Delta High School 

“Behind every thriving ag program is a dedicated teacher planting the seeds for tomorrow’s food and farm innovations,” said Brad Liggett, president of Agribusiness at Nationwide. “By spotlighting their impact through the Golden Owl Award, we’re not only honoring their commitment, we’re also investing in the future of agriculture and the students who will shape it.” 

Since its inception in 2018, the Golden Owl Award has supplied more than $800,000 to support teachers, students, school agricultural programs and FFA organizations. This year, the award expanded to two new states – Delaware and Utah – due to its positive impact and popularity.  

Each year, the selected honorees, chosen by established state committees, are awarded $500¹ in recognition of their contributions. One finalist in each state is then selected as the Ag Educator of the Year and receives an additional $3,000 and the coveted Golden Owl Award trophy. Nationwide also contributes $5,000 to each of the participating state FFA organizations. 

To see a complete list of partners, read more about the state honorees, see past winners or learn about the nomination process in select states, visit www.GoldenOwlAward.com.  

^{1 Ohio finalists will receive a personalized plaque and $1,500 to fund their programs. Ohio’s Ag Educator of the Year title will receive the coveted Golden Owl Award trophy and an additional $5,000 to help fund future educational efforts for their program. Ohio’s partners, Farm Credit Mid-America and AgCredit, provided funding for the increase in prize money. In accordance with Ohio law, cash prizes in Ohio are awarded to the winner’s school ag program.} 

This year’s event was hosted at six Nationwide locations and virtually, supported by more than 250 employee volunteers and featured a schedule with over 160 curated sessions. A new remote option extended the day to employees and their children who don’t live near a campus, ensuring more families could be part of the experience no matter where they live.

“Through Bring A Child to Work Day, our employees’ children can experience Nationwide’s caring culture and see how the adults in their life work to make a difference every day,” said Vinita Clements, Nationwide’s Chief Human Resources Officer. “By pairing age-appropriate learning with real workplace experiences, we hope to inspire new possibilities, spark curiosity and show the many ways a future at Nationwide can take shape.”

From hands-on simulations that brought Nationwide’s insurance, financial services and technology expertise to life, to interactive learning with community partners, each session was intentionally tied to Nationwide’s mission of protecting people, businesses and futures with extraordinary care. The programming was designed for children grades 1–12, and sessions were developed by age and interest, helping families build a day that felt right for each child.

“Each year, Bring a Child to Work Day reminds us that our work starts at home and in our communities,” said Kirt Walker, Nationwide’s Chief Executive Officer. “When children see the adults in their lives living our values, helping others and giving back, they start to imagine what’s possible for themselves – and we’re proud to invest in the people and families who make Nationwide special.”

Last year’s event drew more than 1,400 children to four Nationwide locations, and the continued growth of the program reflects how meaningful the tradition has become for employees and their families. With expanded locations, a unique virtual option and personalized experience to keep the day running smoothly, Nationwide remains committed to investing in the next generation and celebrating the families who are at the heart of its culture.

To learn more about roles at Nationwide, visit the careers page.