Link2Net story.

Link2Net is founded by Gary Kalmanovich.

Gary has been in the field of Variable Annuities for over ten years. Link2Net is a services and consulting practice that is born out of that experience. Gary began on this journey after helping Cigna obtain a reinsurance agreement with Berkshire Hathaway of its large variable annuity guarantee block. At Cigna, as a Senior Managing Director, Gary oversaw the group responsible for all hedge and attribution functions. Gary has also been briefly involved as founding partner with a variable annuity reinsurance startup that unfortunately folded in the midst of the 2008 financial crisis. Prior to Cigna, he was a Portfolio Manager and Senior Quantitative Analyst at Allstate Investments in charge of variable annuity hedge, liability valuation, and attribution functions. At Allstate he was also involved with the sale/reinsurance of Allstate's business to Prudential.

Before Gary joined Allstate, he spent almost five years developing and improving proprietary algorithmic trading as a Vice President and Financial Engineer at Goldman Sachs. There Gary refined his understanding of how risk and reward interact both theretically and practically. Consequently, today, Gary has a great grasp of what needs to go into the decision making processes of hedging and risk management. Gary has also held a number of positions as an optimization and quantitative programmer and research scientist.

Gary holds a Ph.D. in System Theory from the Department of Electrical Engineering and Computer Science at Northwestern University, an M.S. in Financial Mathematics from University of Chicago, and an M.S. in Applied Mathematics from University of Illinois-UC. Gary is a Chartered Financial Analyst (CFA).

Link2Net is uniquely positioned to take advantage of Gary's expertise in the field of Variable Annuity Guarantee risk management, his knowledge of financial markets, and his acumen in creating the best suited software for the Variable Annuity Guarantee industry.