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"The three words you can never forget."

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The Constrained Investor Safety-First "Flooring" Process creates the foundation of a Constrained Investor's strategy for generating retirement income.   It is the essential mechanism that creates the justification for the selection of annuities needed to mitigate timing and longevity risks. 

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Make sense too you? Then read this book!

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David has completed a new ERISA Fiduciary edition of Constrained Investor. It is available at Amazon and other online retailers. 

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"With the new fiduciary rule a reality, agents need a safety-first process."

Wealth Ladders is a sophisticated, process-based solution for constructing the vital foundation, or “floor,” of secure lifetime income that is essential in an overall strategy for retirement income distribution. Wealth Ladders is an annuity laddering process that strategically combines four annuities to deliver lifetime income with two pre-planned “step-ups.” Four distinct time-specific “segments” comprise the laddering framework. Each segment has a specific role to play in the overall process.
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The transactional "product- focused" business model that agents have been trained on is simply not viable under DOL.  If your career is to continue, your business model must change in dramatic fashion.

Contact David


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

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