From Joshua's Desk

Rising MYGA & FIA Rates: What You Need to Know

jherrington@thepacificbridgecompanies.com (Joshua Herrington) — Fri, 03 Apr 2026 22:41:29 GMT

The guaranteed interest rate environment is shifting. This week, both Symetra and North American issued rate increase notices. Movement is trending toward increases across the product landscape.

Intern Spotlight:Kelvin Tjahyadikarta

jherrington@thepacificbridgecompanies.com (Joshua Herrington) — Fri, 03 Apr 2026 22:30:38 GMT

Kelvin Tjahyadikarta, a recent member of the TPBC intern cohort, is a Finance, Real Estate & Law student at California State Polytechnic University, Pomona. He prepared a thoughtful article on the value of fixed products and non-correlated assets in times like these.

“When Markets Face Uncertainty: Why Portfolio Structure Matters as Much as Strategy” speaks directly to what accredited investors are feeling right now — geopolitical disruption, rising correlations, and why fixed and alternative instruments belong in a well-built allocation. Use it as a conversation starter. Use it as a leave-behind.

Winning at Work, Recalibrating at Home: Why I Built an AI App for My Daughter

jherrington@thepacificbridgecompanies.com (Joshua Herrington) — Thu, 26 Feb 2026 20:22:59 GMT

I built Something Different This Week.
Not for business.
For my daughter.

I’ve been wrestling with something that most people don’t seem to talk about openly:
You can be winning everywhere externally and still feel like you’re failing internally.

Why Culture is the Foundation of Financial Advisory Success

jherrington@thepacificbridgecompanies.com (Joshua Herrington) — Thu, 26 Feb 2026 20:04:56 GMT

I had the opportunity to speak at the Lincoln Financial Enterprise Leadership Session on “Partnership, Growth, and Driving Sales Together” this week in Charlotte.

The discussion centered on a question I spend a great deal of time thinking about: what actually allows a firm to thrive in a globalizing world?

For us, the answer is straightforward: culture must function as an operating system.

At The Pacific Bridge Companies, culture is not aspirational language. It is embedded in the process.

The Five Words. Mahalo. Aloha. Ohana. Pono. Imua. These are not branding elements. They are our core values that guide hiring decisions, onboarding structure, and how we begin each day.