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Founder and CEO,
As a former senior legal counsel to major life insurance companies, mutual funds and broker dealers, David has more than two decades of financial services experience as well as specific expertise in annuity product development and distribution.
Before co-founding Aria/RetireOne, David was chief legal counsel for all of Charles Schwab's insurance and risk management initiatives. He was a member of the firm's Insurance Services management team as well as a co-leader of a cross-enterprise internal team dedicated to building a series of Schwab-branded financial products to be wrapped with annuity guarantees.
Prior to Schwab, David was in-house counsel at Allstate Financial, where he served as lead counsel on numerous product development projects for broker-dealers and bank distributors.
David is a frequent speaker at industry conferences as well as an active participant on numerous committees dedicated to retirement income product solutions.
To evaluate whether a FIA is right for you, you need to understand how you'd make money on the investment, how the insurer profits and how and at what point you can get access to your funds.
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Any investment product can be misrepresented or sold in an unscrupulous manner. But the truth is that today's variable annuities have a lot to offer. Used in the right way, they can provide steady income and a reassuring sense of retirement security.