Lutz Morjan, CFA, is Senior Client Portfolio Manager, EMEA, with Franklin Templeton Investment Solutions (FTIS). He is responsible for engineering, managing, and monitoring investment portfolios for institutional clients. Mr. Morjan has almost 20 years of experience in financial services, with a special focus on pension and insurance asset management. Prior to joining Franklin Templeton in 2017, Mr. Morjan worked at the Dutch insurer, NN Group, as Head of Insurance Solutions. In this role he specialized in constructing and managing investment portfolios to achieve balance sheet optimisation under the European insurance regulation Solvency II. Before that he was responsible for Pension Ass