top of page

About David Macchia

Facebook Post (15).png
  • LinkedIn

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


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


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 -

That Annuity Show: 164 - You Can't Solve Risk By Adding More Risk with David Macchia on Apple Podcasts

That Annuity Show: 152 Helping The Constrained Investor Plan for Retirement With David Macchia on Apple Podcasts

(10) David Macchia interview with Richard Duncan - YouTube

A Collection of Older Articles

David Macchia

bottom of page