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	<title>davidmacchiablog.com</title>
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		<title>The &#8220;Bucket War&#8221; of 2009: Now that everyone seems to have discovered &#8220;Buckets,&#8221; what&#8217;s next?</title>
		<description><![CDATA[You may not have noticed, but over the summer a &#8220;Buckets&#8221; war broke out in the retirement income business.  It seems that everyone has discovered &#8220;Buckets,&#8221; a reference to time-segmented asset allocation or &#8220;laddered&#8221; income-generation strategies.
In June of this year the non-profit National Endowment for Financial Education (NEFE) launched a retirement income-focused website called [...]]]></description>
		<link>http://davidmacchiablog.com/?p=205</link>
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		<title>The &#8220;Facebook-ing&#8221; of Retirement Income</title>
		<description><![CDATA[What factors stand in the way of independent advisors and broker-dealers maximizing their success in the retirement income and Rollover IRA markets? It’s a complicated question with multiple answers including the impact of potentially disruptive changes in the regulatory landscape. 
One area that I am convinced will really matter is the quality of advisor-client communications. [...]]]></description>
		<link>http://davidmacchiablog.com/?p=204</link>
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		<title>The Coming “Framework Culture” and the Adoption of a Blanket Fiduciary Standard; Forces for Regulatory Reform, Boomer Retirement Income Security Needs Will Level the Regulatory Playing Field</title>
		<description><![CDATA[With so much upheaval in the economy one wonders about what changes may arise in the not too distant future. In that context let me offer two predictions:
Prediction Number One: All advisors will be deemed to be fiduciaries within 1-2 years. 
There could be no development more disruptive to today’s financial products distribution landscape than [...]]]></description>
		<link>http://davidmacchiablog.com/?p=203</link>
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		<title>The SEC Rules Indexed Annuities Are Indeed Securities; Which Companies Will Now Leverage the Obama Success Model?</title>
		<description><![CDATA[Nothing happens in a vacuum. If it weren’t for Dateline NBC it’s very likely that the SEC wouldn’t have voted today to characterize indexed annuities as securities. You’ll recall Dateline’s “sting” operation featuring hidden cameras and shills posing as annuity prospects. In the post-Dateline environment the SEC apparently could not fail to act.  Chairman [...]]]></description>
		<link>http://davidmacchiablog.com/?p=202</link>
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		<title>Ahead: Dislocation, Turmoil, Angst… and Growth; The SEC Finally Speaks on Fixed Indexed Annuities</title>
		<description><![CDATA[An open meeting took place on June 25 during which the SEC decided to propose a new rule (151A) that would require many  fixed indexed annuities (those that count for virtually all of the sales made) to be registered as securities with the SEC.  Chairman Christopher Cox made it quite clear that “senior [...]]]></description>
		<link>http://davidmacchiablog.com/?p=201</link>
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		<title>Excerpts from my May 9 Keynote Address at the Structured Products Americas Conference: Creating a Smooth &amp; Successful Introduction of Structured Products in the Boomer Retirement Market</title>
		<description><![CDATA[At last week’s Structured Products Americas conference I spoke about the opportunities and challenges facing structured products providers (and distributors) as they set their focus on the U.S. Boomer retirement marketplace. The potential for structured products is simply enormous. As more advisors and their clients shift their attention to outcome-oriented investing strategies, the outlook for [...]]]></description>
		<link>http://davidmacchiablog.com/?p=200</link>
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		<title>Interview with Allianz Life&#8217;s Tom Burns: Head of Distribution Calls for Annuity Companies to Work Together; Describes Unambiguous Commitment to Consumers&#8217; Interests</title>
		<description><![CDATA[It’s no secret that I’ve been critical of certain annuity sales practices, especially those associated with equity-indexed (fixed indexed) annuities. I’ve cited Allianz Life specifically as a company whose past product development and marketing strategies have not been good for the long-terms interests of the annuity industry. In stating publicly what many in the industry [...]]]></description>
		<link>http://davidmacchiablog.com/?p=197</link>
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		<title>New Interviews and Essays to be Published Here Beginning Monday; Leaders &amp; Innovators Interview Series Expands in Research Magazine</title>
		<description><![CDATA[When I came up with the idea for a blog based, in part, on interviews with executive leaders in financial services I couldn’t have known how popular the one-of-a-kind conversations would become. Nor could I have foreseen that Research Magazine, under the byline David Macchia Interviews, would publish one of my interviews each month in [...]]]></description>
		<link>http://davidmacchiablog.com/?p=198</link>
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		<title>Coming Soon: Fascinating Interviews with Bob Pozen, Zvi Bodie, Philipp Hensler, Peng Chen and Tom Burns</title>
		<description><![CDATA[When I began the Leaders &#038; Innovators interview series I didn&#8217;t expect it to so rapidly explode in popularity. But it did. And today I’m delighted to announce that it continues to attract some of the sharpest minds in financial services. Given the prestige of the participants and their enormous knowledge and insight, it’s really [...]]]></description>
		<link>http://davidmacchiablog.com/?p=194</link>
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		<title>Study: Boomer Retirement Websites a Bust; Widening Deficit Highlights Negative Implications for Retirement Income Businesses</title>
		<description><![CDATA[Last week an Ignites article by Hannah Glover highlighted a study of Boomer-directed websites that found that most companies&#8217; retirement websites fail to live up to their sponsors&#8217; advertising pitches. The report entitled, &#8220;Online Support for the New Retirement,&#8221; conducted by Practical Perspectives and Gallant Distribution Consulting, found retirement firms&#8217; websites are typically, &#8220;&#8230;too scant, [...]]]></description>
		<link>http://davidmacchiablog.com/?p=193</link>
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		<title>Role Reversal! Annuity Market News Turns the Tables on Me</title>
		<description><![CDATA[As someone who generally plays the role of interviewer, I&#8217;m appreciative of Senior Editor, Kerry Pechter, for the interview he conducted with me that appears in the December &#8216;07 issue of Annuity Market News. Kerry asked my about a variety of issues that are important to me including the state of the variable and fixed [...]]]></description>
		<link>http://davidmacchiablog.com/?p=192</link>
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		<title>Interview with Tom MacLeay: Chairman of National Life Group Describes Boomers as &#8220;Sensitized&#8221; to Personal Financial Needs; Sees Bright Future for Life Insurers Despite Competitive Challenges</title>
		<description><![CDATA[]]></description>
		<link>http://davidmacchiablog.com/?p=188</link>
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