Income Army Founder, David Macchia, is the inventor of Defined Benefit Life and Defined Benefit Annuity, the groundbreaking innovations that transform life insurance and annuities into powerful tools for delivering predefined levels of retirement income. A recognized pioneer in retirement income planning, David’s is the inventor of the universal life "private pension." His hugely successful Alternative Plan debuted in 1987 with E. F. Hutton Life. David's pioneering sales concept became one of the most significant sales generators in the history of the life insurance industry, a reality that for nearly four decades has benefited the vast majority of universal life producers. ​

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David understands what millions more Americans must come to know, that your standard of living in retirement is a function of your income, not your savings. David also understands that risky investment have their place, but that the vast majority of retirees prudently require a foundation of secure income that life insurance and annuities are uniquely able to provide. 

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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 communications solutions.

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David holds an MBA with Honors from the Boston University Questrom School of Business. He has earned the RMA and CBBF professional certifications.