Robert Densmore

Senior annuity distribution executive with 25+ years across product manufacturing, private wealth, and wealthtech. Led a national wholesaling organization of five districts and 75 Regional Vice Presidents at Allianz Life to $3.6 billion in annual sales. Built and led the $1.4 billion annuity platform serving HNW and UHNW clients at First Republic and J.P.

Morgan Private

Bank, driving its evolution from brokerage to advisory.

Currently Chief Revenue

Officer and Head of Distribution at Bonsai, with an insurance IMO/Outside Insurance Desk (OID) platform built from zero and a $14 billion-asset regional bank onboarded as an enterprise wealth management client.

Chief Revenue Officer & Head of Distribution — Enterprise & Advisor Engagement - Bonsai - West Palm Beach, FL

(2025-04)

wealthtech platform delivering planning, investments, and insurance to financial institutions, RIAs, and advisors

• Designed and executed Bonsai's go-to-market strategy across enterprise and advisor channels.
• Built Bonsai's insurance distribution business from the ground up — stood up the IMO and Outside Insurance Desk (OID) platform, including carrier relationships, licensing and contracting, product shelf, and compensation architecture.
• Won and onboarded a regional bank with $14 billion in combined trust, wealth, and pro forma corporate assets, establishing Bonsai as the bank's end-to-end wealth management platform across planning, investments, and insurance.
• Worked hands-on across every core product build as an early-stage operator: financial planning software, the investment management platform, and the insurance IMO/OID.

Managing Director — Annuities - J.P. Morgan Private Bank - Palm Beach, FL

(2023-06 - 2024-12)

• Led the Private Bank's $1.4 billion annuity platform, increasing sales 1,350% and advisor adoption 340% year over year.
• Drove the platform's evolution from brokerage to advisory, aligning annuities with the Private Bank's HNW and UHNW advice model.
• Planned and executed a national roadshow across 12+ markets, personally presenting the annuity value proposition to 500+ advisors.
• Built the advisor-facing annuity pitch and case-management toolkit; led Private Placement Variable Annuity (PPVA) integration for UHNW clients.

Head of Annuities - First Republic Private Wealth Management - Los Angeles, CA / Remote

(2020-02 - 2023-06)

• Conceived and executed a modernized annuity platform integrated across brokerage and advisory; led a cross-functional team from concept to launch, increasing operational efficiency and revenue growth by 812%.
• Developed and led a national annuity literacy program that enrolled, educated, and certified 70% of advisors.
• Maintained 100% internal audit compliance with zero client complaints; the platform was retained and scaled through J.P. Morgan's acquisition of First Republic.

National Sales Manager & District Director - Allianz Life Financial Services - Minneapolis, MN

(2008-08 - 2019-04)

• Led a national wholesaling organization of five districts and 75 Regional Vice Presidents to $3.6 billion in annual annuity sales, exceeding sales, revenue, and expense goals at district and national levels.
• Reimagined the wholesaler value proposition as a consultative "Retirement Consultant" model through the 2008 financial crisis, retaining 100% of wholesalers.
• Named District Director of the Year for sales results, revenue and expense management, and employee development.
• Served as industry keynote speaker, radio guest, and published author on annuities, reaching audiences of 200,000+; chaired multiple field leadership councils.

Regional Vice President - Jackson

(1997 - 2008)

• Consistently ranked among Jackson's top-producing Regional Vice Presidents, earning multiple top sales achievement awards across individual and district-level territories.
• Co-developed an industry-leading variable annuity chassis that drove significant growth in annuity sales and set new market standards.
• Chaired multiple leadership councils representing field sales representatives.

Business Marketing - University of Nebraska–Lincoln