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Constrained Investor

"Learn why income is EVERYTHING to a retiree"

"Are you a Constrained Investor? Learn why it's essential to know if you are."

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"You may be stunned by what you learn in this video. Pick the wrong month to retire and you could lose tens-of-thousands or even hundreds-of-thousands of dollars in retirement income."



"Financially, income is everything to a retiree. Why?"

"Because it's your income, not your savings, that  creates your standard of living."

"This book holds the key to retirement security for millions of Americans. I'd like to send you a free copy."

Robert Z. Williams, CFP

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"Just complete the form below. I'll send you a free copy of the e-Book.""

"The strategy you use to turn your retirement savings into retirement income is one of the most consequential financial decisions you will ever make. Don't make it until you understand how to protect your retirement."

David Macchia
Nationally-recognized authority on retirement income planning, and
Author of
Constrained Investor: How to Avoid a Devastated Retirement
Timing Risk

"Timing Risk is a devastating threat to retirement security."

Today's economy is a disaster for most retirees!

Unless your retirement income strategy is designed to protect you against Timing Risk, your retirement income could be partially or totally destroyed. Watch this video.


About Robert

Contact David

About Robert

A financial advisor for 23 years, Robert is a recognized authority in the field of retirement income planning, He has helped hundreds of retirees enjoy greater financial security in their golden years. 

Ribert is a graduate of the University of Miami with a degree in business management. He holds the Certified Financial Planner professional designation. 

Robert is married. He lives in Palm Beach with his wife, Janet, and three boys Jason, Joey and Warren.

Women's Retirement
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Percentage of Men Who Die Married


Percentage of Women Who Die Single


Percentage of Male Advisors Who Are Fired By Widows

A Special Message for "Boomer" Husbands"


:Learn why your wife will very likely fire your financial advisor."



Robert Z. Williams Planning
100 Main Street
Suite 1
Anytown USA 55555
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