Developer of the revolutionary Constrained Investor strategy for retirement income planning, David Macchia is an author, entrepreneur, public speaker and marketing communications expert whose work is centered on improving Americans’ retirement security. A leading figure in the field of retirement income planning, David is founder of Wealth2k Inc, the nation’s leading provider of advisor-centric income planning solutions. He is the creative force behind the popular, Income for Life Model®, as well as Women & Income®, the first retirement income solution developed expressly for “boomer” women.
David writes frequently about retirement income planning and macroeconomics. His articles have appeared in numerous publications including Advisor Perspectives, Financial Planning, Research Magazine, Retirement Income Journal, Think Advisor, Financial Advisor Magazine, Insurance News Net, and Retirement Investor. He is the author of two books, Lucky Retiree and Constrained Investor: How to Avoid a Devastated Retirement.
David has been hailed as a "marketing guru" for his pioneering development of video-based sales presentations linked to the product launches of many annuity and life insurance products. Over a period of two decades, his work on behalf of numerous companies, including Jackson-National, AIG, ING, Aviva, Phoenix Wealth Management, Great American and Transamerica resulted in $billions in sales increases.
An accomplished public speaker, David has delivered dozens of keynote addresses for organizations including the Financial Planning Association, Retirement Income Industry Association, Pershing, Bank Insurance and Securities Association, National Association for Fixed Annuities, LIMRA, Strategic Retirement Institute, and the Insured Retirement Institute.
David earned an MBA, with Honors, from Boston University Questrom School of Business. He holds the RMA and CBBP professional designations.
Articles Advisor Perspectives
(Oldest articles appear first)
•The Trial of Ken Fisher for Crimes Against Annuities * Go
•Don’t Believe in the “Safe Withdrawal Rate” Go
•How to Plan Income for a Constrained Investor® Go
•The Income Annuity: The Constrained Investor's Life Jacket Go
•2025: The “Post Ken Fisher” World of Annuities Go
•Why RIAs Are Going to Lose in Retirement Income Go
•Why Critics of Bucketing Strategies are wrong Go
•The “Impossible” Scenario That Threatens Retirees Go
•Man, You’ve Got This! Or Maybe Not GO
•How The Fed Is Saving Money Market Funds Go
•When Capitalism Died, And How Creditism Replaced It Go
•When Advisors Violate Their Fiduciary Duty Go
•Resolving the Conflicting Demands of The Optimistic Pessimist go
•There Is No “Safe Withdrawal Rate” Go
•The Emperor of All Risks Go
•Prepare for the Destruction of $34 trillion in the Coming Months Go
•Quotables by Notables on the Subject of Annuities Go
•The Price the U.S. Will Pay for Faster Recovery Go
•Longevicide Will Erode Clients and Assets Go
•How a Nasty Exchange on LinkedIn Led to a New Non-Profit Go
•Plan for More Wealth Destruction Go
•Will RIAs be Liable for Failed Retirement Income Planning? Go
•The Fiction of Safe Withdrawal Rates Go
Articles Financial Advisor Magazine
•Do Advisors Breach fiduciary Duty When They Refuse to Recommend Annuities Go
•Retirement Timing Risk and the Constrained Investor Go
•Planning for Impossible Outcomes Go
•Why Widows Fire 70% of Male Advisors Go
•The Soaring Dollar is Crashing Commodities Go
Why Monte Carlo Simulations For Retirement Income Should Be Banned GO
Articles Retirement Investor
•How To Think About Annuities GO
•The Fed is Preventing Negative Interest Rates, and Keeping Money Market Funds Viable Go
•How the U.S. Abandoned Capitalism and What Took Its Place GO
•The Ideal Income Strategy for the Optimistic Pessimist Go
•Don’t Believe in the “Safe Withdrawal Rate” Go
•For Retirees It’s About Your Income, Not Your Wealth Go
•What ROI means or should-mean to retirees go
•Plan for key risks in retirement if you’re a constrained investor Go
Articles Think Advisor
•RIAs Must Pivot or Face Certain Decline Go
Articles for Wealth Management
The Tragic Politicization of Annuities Go
Interviews/Features
Interview by Structured Products Magazine (download)
Serving The Constrained Investor — With David Macchia – InsuranceNewsNet
Macchia, the Man and the Machine - Retirement Income Journal
RetirePreneur: David Macchia - Retirement Income Journal
'RIAs, You've Got to Try This': Macchia - Retirement Income Journal
Learn to [Ted] 'Lasso' Women Clients - Retirement Income Journal
Life insurers hurt themselves, reader says - Retirement Income Journal
A Textbook Way to Sell Annuities - Retirement Income Journal
Where the Fiduciary Puck is Headed - Retirement Income Journal
Wealth2k Introduces Social Security Wise™ - Retirement Income Journal
Floor-and-Upside: A New Strategy for a New Era - Retirement Income Journal
The Bucket Brigade - Retirement Income Journal
Podcasts
When Women Control the Wealth -- a Conversation with Retirement Security Savant, David Macchia
Why AI Poses a Mortal Threat to Financial Advisors, Exceptional Advisor Podcast with Bob Powell
Tom Wheelwright & David Macchia - The WealthAbility Show
David Macchia, author of The Constrained Investor - Coach Listens with Coach Pete - Omny.fm
(10) David Macchia interview with Richard Duncan - YouTube
A Collection of Older Articles