As Chief Executive Officer of Innovu, Hugh O’Toole is changing advisor/consultant practice models from their siloed focus on Health & Welfare, Retirement and Property & Casualty, to a holistic Human Capital Risk Management model. He understands that the world of retirement services and benefits can be complicated and has dedicated his career to aligning the financial wellness of American employees with the positive impact their wellness has on the financial statement of their employers. With leading capabilities in data aggregation, data science/analytics and behavioral finance, the industry can have a much greater impact with the convergence of data and benefit disciplines versus a siloed view. In 2014, he founded Viability AG LLC, to address the relationship between financially well employees and the impact on the employer’s financial statement, through mitigating the future liability from healthcare, risk protection/management, productivity, and engagement of their employees. In 2015, Viability was purchased by MassMutual, and he joined the MassMutual team as a Senior Vice President. His first mission was to bring non-profit employers and their employees institutional investment product, versus the legacy insurance products historically sold to them. As a partner of Professional Pensions, Inc. they accomplished this mission, and the firm grew rapidly.