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A Partial Listing of David's Recently Published Articles

(Oldest articles appear first)

 

Advisor Perspectives

•The Trial of Ken Fisher for Crimes Against Annuities *   Go

*Ranked #1 article in 2022 by Advisor Perspectives

•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

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

The Trial of the Fiduciary Rule for Crimes Against the Fiduciary Rule

Go

Why All Financial Professionals Should Support the Overturning of the DOL's Fiduciary Rule Go

**Ranked #1 article in 2023 by Financial Advisor Magazine

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

 

Think Advisor

•RIAs Must Pivot or Face Certain Decline  Go

The DOL Retirement Security Rule Promotes a Narrow worldview Go

 Wealth Management

The Tragic Politicization of Annuities Go

David is a visionary marketer with a remarkable track record of pioneering groundbreaking innovations in life insurance, annuities, and retirement income planning. His influence has been instrumental in assisting client companies in accumulating over $150 billion in total assets. An esteemed retirement security expert, author and public speaker, David is renowned for his ability to simplify complex financial products and concepts, making them accessible to consumers while fostering demand.

In 1987, David introduced the Alternative Plan at E.F. Hutton Life, the inaugural universal life "private pension." His innovation established a "gold standard" for life insurance selling that endures to this day. In 1995, his pivotal role in crafting marketing strategies supported Keyport Life's launch of the first fixed index annuity. Subsequently, in 2000, he spearheaded the development of the initial web application for FIA contract renewal, followed by the creation of the premier web-based retirement income distribution solution in 2005.

A luminary in retirement income planning, David devised the groundbreaking Constrained Investor strategy and founded Wealth2k Inc., a leading provider of advisor-centric income planning solutions. He is the visionary behind the acclaimed Income for Life Model® and Women & Income®, the inaugural retirement income solution tailored for "boomer" women.

David is a prolific writer on retirement income planning, annuities, marketing, and macroeconomics, with his works featured in esteemed publications such as Advisor Perspectives, Financial Planning, and Retirement Income Journal. He is also the author of two books, "Lucky Retiree" and "Constrained Investor: How to Avoid a Devastated Retirement."

Hailed as a "marketing guru," David revolutionized sales presentations with video-based approaches, significantly boosting sales for companies like Jackson-National, AIG, ING, MassMutual, Great American, National Life and Transamerica. As a sought-after public speaker, he has delivered keynote addresses for prominent organizations including the Financial Planning Association, Pershing, Insured Retirement Institute and LIMRA.

In response to the evolving landscape of financial advising, David is at the forefront of integrating artificial intelligence "Digital Humans" into online user experiences for financial advisors and insurance professionals. He has developed innovative solutions to this challenge, such as www.aiannuityassistant.com and www.ailifeinsuranceassistant.com.

David earned his MBA with Honors from Boston University Questrom School of Business and holds professional designations including RMA and CBBF.

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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

https://www.bing.com/search?q=david+macchia+interview&qs=n&%25eManage+Your+Search+History%25E&sp=-1&pq=david+macchia+interview&sc=9-23&sk=&cvid=3D6534605B0F4C12A5CEB722FAED0BF5&ghsh=0&ghacc=0&ghpl=&first=11&FORM=PERE

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

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Contact David

978-375-3400

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Subscribe to David's Video Newsletter, "The Macchia Minute."
Published every Monday-Friday.

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