Partner with David

"Ready to add a timely and rewarding new dimension to your practice?"

A Message from David

I believe that women's retirement income planning represents a career-defining opportunity to help women realize greater financial security in retirement. For financial advisors and insurance agents, women's retirement income heralds what may be the greatest business growth opportunity in history. I say this because of the scale of money-in-motion over the next few years- $30 trillion. That said, the first thing to understand is that this program is not for every advisor. For example, it will not be suitable for advisors who favor a strictly markets-based approach to generating income. It will, however, be an ideal fit for advisors who share my philosophy- a set of beliefs that developed after spending 19 years in the field of retirement income planning. Some of the tenets I believe in are:

Most retirees are Constrained Investors. If you are unfamiliar with the definition of Constrained Investor, watch the video that explains it.
Constrained Investors are best served with an income generation strategy that prioritizes the mitigation of risks which can reduce or even wipe out the retiree's capacity to generate income from savings.
Constrained Investors need protection against Timing Risk. Learn about this critical issue here.
Most Constrained Investors need protection against longevity risk- especially women.
In the "boomer" cohort, men and women view money differently, and they have different objectives and preferences.
Annuities are a critical component of most Constrained Investors' income plans. If you are against annuities, my program is not for you.
Because inflation exacts a cruel "tax" on retiree' standards-of-living, income plans should seek to provide income that keeps pace with inflation. Investments in equities, therefore, are a critical component of most Constrained Investors' income plans. If you disagree, this program is not for you.
In practice, the optimal plan has a roughly 50/50 allocation between risk assets and safe investments.
If you offer only safe money products, will you be content with managing 50% of the assets?
The average Constrained Investor case asset takeover is approximately $1,300,000.

"Do our beliefs about retirement income planning align?"

If you are unsure, I'll send you a free copy of my book. After you read it, you'll know if you are a good fit for the program. Send an email to david@wealth2k.com. USE YOUR BUSINNESS EMAIL ACCOUNT WHEN YOU EMAIL ME. INCLUDE YOUR CONTACT INFORMATION.