--- title: Blog | Due Diligence Works | Michael Freeman description: Blog | Due Diligence Works --- [Skip to content](https://www.duediligenceworks.com/blog/author/michael-freeman#main-content) [![DDW logo](https://www.duediligenceworks.com/hubfs/DDW-LOGO-COLOR.png) ](https://www.duediligenceworks.com/home-old) - [About DDW](https://www.duediligenceworks.com/about-us) - [Due Diligence](https://www.duediligenceworks.com/due-diligence-due-dili-works-ddw) - Reg Tech - [For Advisors](https://www.duediligenceworks.com/reg-tech-reg-works-advisors-rias) - [For Enterprises](https://www.duediligenceworks.com/reg-tech-reg-works-enterprise) - [Insights](https://www.duediligenceworks.com/insights) - Client Login - [Research Portal](https://portal.duediligenceworks.com/login) - [RegReady Pro](https://regreadypro.duediligenceworks.com/) # Michael Freeman ## [Are You Ready for More Client Complaints?](https://www.duediligenceworks.com/blog/are-you-ready-for-more-client-complaints) As we enter the last quarter of 2024, here are a few predictions for 2025. ## [Active ETFs Good or Bad? But Certainly Needs Some Thought!](https://www.duediligenceworks.com/blog/active-etfs-good-or-bad) We first saw these types of products mostly restricted to the fixed income asset class, but we are... ## [DOL Changes](https://www.duediligenceworks.com/blog/dol-changes) relationship is formed. In tandem, the DOL also released their final amendments to prohibited... ## [Regulations Driving Annuity Product Development](https://www.duediligenceworks.com/blog/regulation-driving-annuity-product-development) As a reminder, Interim Value is used to calculate account value when a client withdraws money,... ## [Income Focus](https://www.duediligenceworks.com/blog/view-from-product-management) ## [Variable Annuities Sales are Coming with the Risk On Trade](https://www.duediligenceworks.com/blog/variable-annuities-sales-are-coming-with-the-risk-on-trade) As the Fed continued to raise the Fed Fund Rate, what impact has this had on the annuity product... ## [What a "Product Diversified" Portfolio Really Means](https://www.duediligenceworks.com/blog/what-product-diversified-portfolio-really-means) Over the last 12 months, we have seen the fed funds rate increase by 4.5%, directly affecting... ## [FTX: A failure of due diligence](https://www.duediligenceworks.com/blog/ftx-a-failure-of-due-diligence) **What happened to FTX, and more importantly, what should we think about going forward?** ## [What We Learned at the National Society of Compliance Professionals’ (NSCP) National Conference](https://www.duediligenceworks.com/blog/ddw-attends-national-society-of-compliance-professionals-conference) There were 4 primary themes that ran throughout the compliance conference. [ Prev ](https://www.duediligenceworks.com/blog/author/michael-freeman/page/0) [1](https://www.duediligenceworks.com/blog/author/michael-freeman/page/1) [2](https://www.duediligenceworks.com/blog/author/michael-freeman/page/2) [ Next ](https://www.duediligenceworks.com/blog/author/michael-freeman/page/2) [![DDW Logo](https://www.duediligenceworks.com/hubfs/Email%20Design_Horizontal%20Logo.png) ](https://www.duediligenceworks.com/) 973 852 3880 20 Van Vleck St Montclair, NJ 07042 - About - [About DDW](https://www.duediligenceworks.com/about-us) - [Contact](https://www.duediligenceworks.com/contact) - [Leadership](https://www.duediligenceworks.com/about-us#leadership) - [Privacy Policy](https://www.duediligenceworks.com/privacy-policy-ddw) - [ADV](https://www.duediligenceworks.com/hubfs/20250501%20ADV%20Part%202A%20-%20Due_Diligence_Works_Inc.pdf) - Services - [Due Diligence](https://www.duediligenceworks.com/due-diligence-due-dili-works-ddw) - [Advisor Reg Tech](https://www.duediligenceworks.com/reg-tech-reg-works-advisors-rias) - [Enterprise Reg Tech](https://www.duediligenceworks.com/reg-tech-reg-works-enterprise) © 2026 by Due Diligence Works, Inc. All Rights Reserved. [Follow us on LinkedIn ](https://www.linkedin.com/in/mike-freeman/)