{"id":696,"date":"2023-02-07T07:16:27","date_gmt":"2023-02-07T12:16:27","guid":{"rendered":"https:\/\/thegclgroup.com\/gclgcs2021\/reducing-anxiety-about-retirement\/"},"modified":"2023-02-07T20:31:27","modified_gmt":"2023-02-08T01:31:27","slug":"reducing-anxiety-about-retirement","status":"publish","type":"post","link":"https:\/\/thegclgroup.com\/gclgcs2021\/reducing-anxiety-about-retirement\/","title":{"rendered":"Reducing anxiety about retirement"},"content":{"rendered":"<p><iframe loading=\"lazy\" style=\"width: 100%; height: 180px;\" src=\"https:\/\/anchor.fm\/beyond-the-challenge\/embed\/episodes\/Reducing-anxiety-about-retirement-e1tu92t\" width=\"100%\" height=\"180px\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>In this episode of Beyond the Challenge we talked with Steve Scanlon, Managing Director and Head of Individual Retirement at Equitable about how Equitable is helping Americans reduce their anxiety about retirement.<\/p>\n<p>Steve is responsible for the strategy of Equitable\u2019s individual retirement business including distribution, product, in force portfolio, M&amp;A, capital and strategic relationships.<\/p>\n<p>&nbsp;<\/p>\n<h2>Read the Transcript Here<\/h2>\n<div style=\"overflow-y: scroll; max-height: 400px; background: #eee; padding: 20px; border: 1px solid #ddd;\">\n<p class=\"p1\">(intro)<\/p>\n<p class=\"p1\"><i>Beyond the Challenge is a podcast where executives in the insurance and financial services industry share their insights and experiences. Hosts Kevin and Sandy Dougherty talk with today\u2019s top business leaders about what keeps them up at night and the biggest opportunity organizations can capitalize on today. We encourage you to listen, share, and subscribe to our program.<\/i><\/p>\n<p class=\"p1\"><i>Kevin and Sandy Dougherty each have over 20 years of experience in insurance and financial services, corporate leadership, and executive search. They\u2019re the owners of Global Corporate Solutions and Global Corporate Leaders. Global Corporate Solutions partners with organizations to gain efficiencies and contain costs. Global Corporate Leaders partners with organizations to enhance and evaluate talent.<\/i><\/p>\n<p class=\"p1\"><i>Beyond the Challenge podcast is sponsored by Exactuals, perfecting payments and the data driving them; Techficient, transforming the protection journey with intelligent data and machine learning to drive better outcomes; and JourneyGuide, improving your clients\u2019 retirement outcomes through interactive planning software.<\/i><\/p>\n<p class=\"p1\"><i>Welcome to Beyond the Challenge. Here are your hosts, Kevin and Sandy.<\/i><\/p>\n<p class=\"p1\">(interview)<\/p>\n<p class=\"p1\"><b>Kevin:<\/b> Today, we\u2019re talking with Steve Scanlon, Managing Director and Head of Individual Retirement at Equitable, about the trends, challenges, and opportunities he sees for the retirement and insurance industry. Steve is responsible for the strategy of Equitable\u2019s Individual Retirement business, including distribution, product, inforce portfolio, M&amp;A, capital and strategic relationships. Steve, can you tell us a little bit about yourself and how you got into the retirement insurance industry?<\/p>\n<p class=\"p1\"><b>Sandy:<\/b> I can and good morning to both of you. Thanks for having me. You know, I started off in the business as a wholesaler down in Texas in the mid-90s and did that for about eight years, loved it, had a lot of success down there and really got into the annuity space at that time but really wanted to expand my knowledge and my background into asset management, so in 2003, I joined AllianceBernstein and throughout my career at AllianceBernstein, I held several leadership positions there. I was on their wealth management side, I was in their defined contribution side and ran that business and then I ran our subadvisory business as well so kind of moved around a lot there. And then, in 2014, I started a company called GuardVest, did that for three years, it was a startup fintech company, and then in 2017, I joined Equitable as the head of group retirement so all of our 403(b) and 401(k) business, I ran that business. And then in the spring of 2021, I became the head of individual retirement, so sort of full circle back into the annuity space.<\/p>\n<p class=\"p1\"><b>Steve:<\/b> Thanks, Steve. All industries face challenges, but the retirement landscape seems especially challenged right now. With inflation, changing interest rates, and new tax laws, consumers preparing for retirement are more anxious and they need help. How is Equitable helping Americans reduce their anxiety about retirement?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> It\u2019s a great question. Obviously, very topical. Anxiety is often driven by fear, as you mentioned, and I think the reality is that there\u2019s a lot going on that people are worried about and some things haven\u2019t been around in quite some time. I mean, we haven\u2019t talked about inflation in over 20 years, we haven\u2019t talked about rising interest rates in over 20 years, and those things are now creeping into people\u2019s portfolios and so, for a very long time, a standard sort of 60-40 portfolio, 60 percent equities, 40 percent bonds, the bonds were there to protect the volatility of the equities. I think everybody generally understands there\u2019s volatility in equities. I don\u2019t think a lot of people understood that there\u2019s volatility in bonds when interest rates go the other way because it\u2019s been so long. So we\u2019re in the protection business so we are here for people that say, \u201cI need to be invested because I\u2019ve gotta fund this retirement that could last 30 years, but I want to feel better and sleep at night,\u201d and that\u2019s what we do. That\u2019s what we provide is the ability to keep people invested and allow advisors to use annuities as a tool to help investors get what they need to do, which is to stay invested, but also deliver what they want, which is that comfort to know that I\u2019m going to have guaranteed income or I\u2019m going to have protection from volatile markets or I\u2019m going to be able to use tax deferral to outpace inflation. So this is kind of our time. This is when annuities really resonate with advisors and certainly with clients because of the fear that\u2019s out there driven by all the different things that we\u2019ve got to face right now.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Sandy:<\/b> So do you see annuities playing a larger part in the retirement space over the next three to five years than they have in the past number of years?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> I do, for sure. And, in fact, the annuity business grew overall this year and so we\u2019re already seeing that kind of in the numbers that people are starting to come back to annuities. And I think that\u2019s for a couple reasons. One, we haven\u2019t seen this kind of volatility since 2008. Inflation we talked about, interest rates we talked about, but you got 10,000 people turning 65 every single day so a lot of people that are leaving the workforce that are now saying, \u201cI\u2019m retired but I can\u2019t let my money retire so how, again, can I strike that balance where I can say I wanna be invested and have my money work harder but I can\u2019t afford a major disruption in the returns,\u201d and that\u2019s where annuities come in. And I think you\u2019re also seeing advisors saying, \u201cLet me revisit annuities,\u201d because, now, again, my fixed income portfolio isn\u2019t necessarily the one that\u2019s keeping everything protected because it\u2019s also been hit this year as well. So we like to think of annuities as more of an asset class for protection versus a product. So it\u2019s a way for people to go in and say, \u201cI wanna protect my portfolio, make sure I\u2019ve got income in retirement or I\u2019ve got downside protection against rising taxes, inflation, and things of that nature.\u201d So we\u2019re seeing advisors come in and use annuities as a protection and it\u2019s kind of its own asset class.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Sandy:<\/b> I\u2019m going to give you a follow up on that. There\u2019s a lot of different types of annuities, you got your variable, your index, your immediate, again, you\u2019ve got different types. With the rising inflation and rising interest rates, do you see people moving back toward a variable or with the volatility market going towards an index? Where do you see people moving with annuities?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> You know, here\u2019s what I think is great about the business and that is that if you hadn\u2019t looked at an annuity in 10, 15 years, which, candidly, a lot of people haven\u2019t. I mean, the market\u2019s been pretty darn good since 2009 so we haven\u2019t really necessarily had as many of your clients asking for protection. What\u2019s changed and I think perhaps the biggest surprise for advisors that haven\u2019t looked at these in a while is that you can customize it. So the answer is, if you think about how an advisor works with his or her client, they sit down and talk to them about what do you need, what are we worried about in your portfolio. Annuities used to be one size fits all, like, \u201cWe\u2019ve got this and it does this and it does that,\u201d it was kind of the Swiss Army knife. Now, it\u2019s really laser focused on what the challenge is. So, as an example, if a client is saying, \u201cHey, I funded my 401(k), I funded my IRA, I just wanna put more money away tax deferred but I don\u2019t need a death benefit, I don\u2019t want a living benefit, I just want low cost tax deferral.\u201d You can just have that. Or, \u201cI just wanna have income protection and I don\u2019t need a death benefit.\u201d You can have that. Or, \u201cI wanna take equity exposure but I wanna make sure I have downside protection.\u201d So the answer is I think the business will grow in totality because, now, we\u2019re able to work with advisors in a very similar way to how they work with clients and customize solutions for their clients specifically.<\/p>\n<p class=\"p1\"><b>Kevin:<\/b> How should other executives and business owners think about navigating investing in the current market environment?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> I mean, I think executives and business owners, we may have different roles and different jobs, I think we\u2019re all centered around this, \u201cAm I gonna be okay? Do I have enough money to make sure I live the life that I\u2019ve worked so hard to create for myself in retirement?\u201d The reality is people are looking at annuities as a way to say, \u201cI wanna make sure I\u2019ve got enough money,\u201d and we used to say kind of mailbox money back in the 90s, \u201cI wanna make sure that I can go in like our grandparents did and get the envelope out on the 1st and the 15th and make sure that I can go fund my life and stay with my grandkids and go travel and do all those kinds of things.\u201d So I think what you\u2019re seeing now is people saying, \u201cMy portfolio is challenged, because, again, interest rates are going up, I\u2019ve also got inflation going up, and I\u2019ve got to have my money continue to grow.\u201d Very few people are in a position to let their money retire at the same time they retire and that\u2019s, I think, where we come in and are very effective, which is let\u2019s continue to make sure the assets are growing, because you\u2019re going to have to keep up with an inflation number that\u2019s now at an eight and it hadn\u2019t been at an eight in a long time. So I\u2019ve got to continue to do that. And the statistics, right? I\u2019m going to live to be in my 90s, which is all great but if you think about the numbers, that means I can be retired or unemployed for 30 years. So what we\u2019re doing is coming in and saying we can give you upside potential downside protection. We can give you guaranteed income to make sure that you\u2019ve got that mailbox money that our grandparents lived off of on their pension. We can give you just tax deferral, if that\u2019s what you\u2019re needing to do to make sure you\u2019re deferring the taxes and that\u2019s also a way to add alpha, if you will, to a portfolio. So I think what people are looking at now is they\u2019re looking at annuities and saying, \u201cThis is a tool that I can use to make sure that I\u2019m going to be okay for the rest of my life.\u201d And, again, as I mentioned earlier, you got 10,000 people turning 65 every single day, volatile market, inflation, interest rates, all these different things and folks are not comfortable going and just buying equities without knowing that they\u2019re going to be okay in their 70s, 80s, and 90s.<\/p>\n<p class=\"p1\"><b>Kevin:<\/b> What has been the impact or will be the future impact of rising interest rates on investors and how is it impacting investors\u2019 strategies and products, including annuities?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> Well, I mean, I think the biggest thing you\u2019ve seen is rates go up a couple hundred basis points and, all of a sudden, my fixed income portfolio is down. And I know for a fact that that\u2019s surprising to a lot of people. People don\u2019t typically think about bonds going down and now you look at your account and you see rates went up and your fixed income portfolio is down and, again, that\u2019s surprising and very unsettling for people. So rates going up and then you also have inflation going up, it just means your money\u2019s got to work harder. And so I think what you\u2019re going to end up finding is people that have, again, the 60-40 portfolio where 40 percent is in fixed income, that\u2019s not necessarily as reliable as it once was to provide protection against equity volatility. And that\u2019s where we come in. What we see advisors do a lot is use annuities as part of the fixed income sleeve and they use it, again, for protection. You know, interest rates going up is great for investors as it relates to annuities because as rates go up, we actually can pass on the rising rate environment through the guarantees. So the guarantees in annuities are much more attractive than they were, I mean, candidly, even 12 months ago. So we\u2019re able to pass along the positives of rising interest rates to clients with the guarantees and also give them the upside of the market. And that\u2019s where you\u2019re seeing that become, in some cases, a better solution than just sitting in fixed income. So this is a really, really good time for our business to help advisors provide protection for their clients against rates going up and against inflation and all the other things we\u2019ve discussed.<\/p>\n<p class=\"p1\"><b>Sandy:<\/b> We talked a lot about how annuities can be used for different purposes within a financial plan but how important is it to bring life insurance and health insurance into those wealth discussions for the overall retirement planning?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> Critical, right? I mean, it\u2019s critical for people to understand the entirety of their portfolio and I think that\u2019s why financial advisors are so valuable to people because they\u2019re able to come in and say, \u201cLet\u2019s look at the entire picture,\u201d and able to say, \u201cThis is your specific challenge,\u201d which is different from your specific challenge and I think it\u2019s important for people to be able to diagnose what the real challenges are for each family. So health care costs going up, that\u2019s not a surprise to anybody so that means you\u2019ve got, again, what we\u2019ve talked about, you\u2019ve got to make your money work harder for you. That\u2019s where annuities actually can play in. I think life insurance, for the people that are fortunate enough to have more money than they need, life insurance has proven to be a very effective vehicle for advisors to use for their clients to pass on because it passes on in a more tax efficient manner. So a lot of people will use life insurance inside of a trust to pass on wealth. So the way I think a lot of people think about it is I\u2019ve got my core assets, which are the money that I need to survive for the rest of my life, and if I\u2019m fortunate enough to have excess, life insurance is a better vehicle than an annuity or just about anything else to pass it on. So I think that\u2019s where you\u2019re seeing all of this insurance come together, which is I\u2019ve got health care costs going up, how can an annuity helped me make my money work harder, which we talked about, and then if I\u2019ve got excess, my adviser will sometimes and oftentimes use life insurance to help me pass it on more effectively to my heirs.<\/p>\n<p class=\"p1\"><b>Sandy:<\/b> Great. So what do you see as the next big thing coming to the retirement marketplace?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> So I think the biggest thing that I\u2019ve seen in the past 12 to 24 months is really a focus on the total person and what I mean by that is we actually have established through Columbia University a designation to be a holistic financial planning coach. What\u2019s resonating with customers now is I\u2019ve got the academic side, I\u2019ve got the side that we just talked about, how do I use life insurance, what about my health care costs, what about my concerns around volatility, but, you know, what really people want to know is, \u201cCan I go see the grandkids as often as I want? Can I go travel? Can I do the things that have been on my bucket list for a long period of time but we\u2019ve both been working and now it\u2019s our time? How do I go live the life that I want to live?\u201d And that can be around philanthropy, \u201cI wanna give back to my community.\u201d It could be around, \u201cI wanna make sure that I\u2019m paying attention to my physical fitness, my spirituality.\u201d All those different things are what I think people spend most of their time wanting. So, you\u2019ve got this academic side which is I want to make sure that I can fund the life that I want but what I really want is to go live the life that I want to live. And I use the example a lot of a Fitbit, right? So Fitbit when it first came out or your Apple Watch or whatever you have, there\u2019s a million different things that can tell you how many steps you\u2019ve taken today. What I think we really focus on is, hey, you did your 10,000 steps but were those 10,000 steps meaningful for the life that you want to live? Did you make the most out of those 10,000 steps? Did you go see your kids? Did you go travel? Did you go do those things? Where were you getting your steps? I think that\u2019s a really big one. In the annuity business specifically, we\u2019ve been the innovator in this space quite frankly, I don\u2019t think there\u2019s much argument around that. We created the income space for the annuity world, we created the RILA. One of the biggest things we\u2019ve done is we\u2019ve combined our two ideas into one solution for clients where people can come in and buy a RILA, so get downside protection, and also get guaranteed income and we were the first ones to do it the way that we\u2019ve done it. And we\u2019ll continue to innovate, that\u2019s very much our DNA. We\u2019ve got some other big things in the pipeline that I\u2019ll keep you posted on. But I think the focus on holistic life planning has really resonated with clients and then our ability to continue to be maniacally focused, if you will, on innovation inside the annuity and making sure that we\u2019ve got our ear to the ground to hear what customers really want and create solutions that they want has been our DNA and will continue to be.<\/p>\n<p class=\"p1\"><b>Kevin:<\/b> How do you lead your team to continue to innovate and overcome challenges to make the most of opportunities?<\/p>\n<p class=\"p1\"><b>Steve:<\/b> Yeah, you know, I think what\u2019s great, we work in an Agile framework in our company and so one of the many things that I love about my job is it really is a team. There isn\u2019t really a hierarchy. We operate in such a way that I feel like in many ways I\u2019m working for a very well-funded startup, if you will, because ideas are free flowing across the organization from everybody. It\u2019s not Steve\u2019s going to come in and mandate what we\u2019re going to do. We\u2019ve never worked like that. It\u2019s what ideas do you have? What things do we think we can be doing? What are you hearing out in the field? What are you seeing in the fintech space that you think is interesting? So we have created a culture of innovation in this organization for the past several decades to where everybody feels comfortable saying, \u201cWe tried this, what about that? Let\u2019s do research on these kinds of things.\u201d So, from a team perspective, I think we create a lot of opportunities internally for people to have the platform to present ideas. So we do, actually, inside the organization, things that are very similar to Shark Tank where we allow people to come in with their ideas, regardless of where you are in the organization, to say, \u201cI think this is a problem in the world and here\u2019s an idea that I have to go solve it.\u201d So we do a lot of that stuff internally and I think it\u2019s really, really energizing. So we challenge ourselves to be innovative, we challenge ourselves to be customer focused, and, at the end of the day, everybody has a voice, regardless of where you are in the organization. That\u2019s my absolute favorite thing about what I get to do every day is that everybody\u2019s equal and everybody has an opportunity to create the next big thing. And if you think about that, and you can see I get excited about that, but if you think about that, you can be brand new in this business and you can have a great idea that becomes the next big thing that millions of people may use in their retirement. To me, that\u2019s a very cool way to run a business and I\u2019m very proud that we do that here.<\/p>\n<p class=\"p1\"><b>Kevin:<\/b> Steve, what\u2019s one of the best decisions that you made that has a positive impact on your career?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> I think the best decision I made is I took risks. So what I mean by that is people in my career that have taken an interest in my development have said, \u201cI think you can go lead this team,\u201d even though maybe I didn\u2019t know anything about the particular industry. So, as an example, in AllianceBernstein, they moved me into run the defined contribution business. I didn\u2019t really know that much about the 401(k) business but what they did was said, \u201cWe think you\u2019ve got the skill sets to lead a team, we\u2019ll teach you the business.\u201d So I\u2019ve done that throughout my career. I\u2019ve done lots of different things. I\u2019ve run a wealth management business, I\u2019ve run a defined contribution business, I\u2019ve run an institutional business, and I think that\u2019s really helped me in two ways. One, it\u2019s helped my knowledge of the overall industry so it\u2019s allowed me to have range, I think, but probably where it\u2019s helped me the most is in my leadership because I encourage people to take risks, I encourage people to think through other opportunities, and I encourage outside thinking that\u2019s not necessarily following a specific path. So I want people to come in and take risks and take opportunities. I tell people all the time I know insurance sounds boring or maybe wealth management sounds boring but it\u2019s just absolutely not and if you take risks and go try different things throughout your career, typically, it pays off. Not that people that have done the same thing forever don\u2019t have an extreme amount of success, there\u2019s lots of examples of that. But, for me, learning different parts of the business and running different businesses has been by far the best decisions and those decisions were only available to me because people gave me those opportunities and that\u2019s what I try to do is try to give lots of people opportunities to come in and create a differentiated platform for themselves.<\/p>\n<p class=\"p1\"><b>Kevin:<\/b> What advice would you give to someone looking to get into the financial services or insurance industry?<\/p>\n<p class=\"p1\"><b>Steve:<\/b> Well, I think if you\u2019re 24 right now, we\u2019re now in this world of Facebook and Instagram and Twitter and eBay and all this stuff. I mean, an insurance company job probably doesn\u2019t sound appealing and I think the reality is, what I tell people is you really should get involved in what the opportunities are at each organization. So, as I mentioned earlier, I mean, for us to bring in somebody that\u2019s brand new and say, \u201cWe\u2019re gonna teach you this business,\u201d you don\u2019t need to have an economics degree, you don\u2019t need to be some kind of financial savant. There are jobs in our business that require that but there\u2019s many jobs that just wants you to be able to be effective at helping people. And that\u2019s universal, regardless of what job you go to. So if you go into a fintech, an exciting sort of sexy startup, it\u2019s trying to help people with something. That\u2019s no different than what we do. So that\u2019s why I mentioned earlier, I mean, in many ways, I view the energy that we create inside the organization as a startup and we are all centered around trying to help people. So you marry that with a culture that says everybody has a voice, everybody\u2019s treated as an equal, and everybody has an opportunity to create game changing things for the industry. So we need people that are really focused on technology to deliver a better customer experience to our client. We need people that are focused on things. I mean, one of the best examples that I can tell you is, during the pandemic, many of us, when we started to go to restaurants again, you got the menu on your phone, the QR code, and I remember somebody kind of brand new with us saying, \u201cWhy don\u2019t we just do our applications like that and why don\u2019t we put this on our marketing literature and do QR code?\u201d It was just like here\u2019s a guy that\u2019s out on a restaurant and thought, \u201cHere\u2019s something that\u2019s really cool I haven\u2019t seen, I\u2019m looking at how to order my food. Can we use that in the insurance business?\u201d and we vetted that out. So that to me is very, very cool. Having run a startup, there are benefits and challenges to a startup, there are benefits and challenges coming into an institution that treat your ideas like a startup but also will fund them.<\/p>\n<p class=\"p1\"><b>Sandy:<\/b> Awesome. Steve, thank you for your time today. It\u2019s been great to hear your insights on how you see the retirement marketplace changing over the next few years.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\"><b>Steve:<\/b> Thank you all very much. I really appreciate it.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">(outro)<\/p>\n<p class=\"p1\"><i>Thank you for listening. Please make sure to subscribe and share so we can stay in touch. If you would like to learn more about how Global Corporate Solutions and Global Corporate Leaders can help your organization recruit the best talent, increase your diversity, and save money, please visit our website at www.thegclgroup.com.<\/i><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In this episode of Beyond the Challenge we talked with Steve Scanlon, Managing Director and Head of Individual Retirement at Equitable about how Equitable is helping Americans reduce their anxiety about retirement. Steve is responsible for the strategy of Equitable\u2019s individual retirement business including distribution, product, in force portfolio, M&amp;A, capital and strategic relationships. &nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":699,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podcasts"],"_links":{"self":[{"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/posts\/696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/comments?post=696"}],"version-history":[{"count":2,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/posts\/696\/revisions"}],"predecessor-version":[{"id":701,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/posts\/696\/revisions\/701"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/media\/699"}],"wp:attachment":[{"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/media?parent=696"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/categories?post=696"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thegclgroup.com\/gclgcs2021\/wp-json\/wp\/v2\/tags?post=696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}