David Macchia is the creator of Defined Benefit Life, a groundbreaking innovation designed to transform life insurance into a powerful tool for delivering predefined levels of tax-free retirement income. A recognized pioneer in retirement income planning, David’s work centers on solving America’s retirement security crisis by redefining how life insurance and investment vehicles can be used to create personal pension-like outcomes.  He is the inventor of one of the most significant sales strategies in the history of the life insurance business, the universal life private pension which first appeared in 1987 as "The IRA Alternative" from E.F. Hutton Life.

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As the inventor of the Defined Benefit Investor platform and founder of Wealth2k, Inc., David has consistently led the industry with creative solutions that bridge technology, behavioral finance, and consumer education. His earlier innovation, The Income for Life Model®, is one of the most widely used retirement income strategies in the financial services industry.

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A prolific author and respected thought leader, David has written three books and over 100 articles focused on modern retirement planning. He has served as a consultant to top-tier insurance companies including AIG, ING, MassMutual, Jackson National, Aviva, and Sun Life, helping to drive billions in annuity and life insurance sales through his consumer-friendly digital solutions.

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David holds an MBA with Honors from the Boston University Questrom School of Business and maintains the RMA and CBBP professional designations.