David Duley

David Duley is the Founder and CEO of PRIA Technologies and one of America's leading experts on policy risk — the ways government decisions, and sometimes government inaction, can quietly reshape your financial future.

David has spent nearly a decade making the case that policy risk deserves the same attention the financial industry gives to market risk. The gap between the two is staggering: every brokerage in America is required to disclose that your investments could lose value, but those same firms routinely call Social Security “guaranteed income” — even though the Social Security Administration itself says it may only be able to pay 77% of promised benefits by 2033. That disconnect between what government programs actually promise and how the financial industry talks about them became the foundation of David's work.

He got there personally. Growing up in Flint, Michigan, David watched families who trusted General Motors lose their livelihoods when the company slashed its workforce in the 1980s. Promises that seemed unbreakable broke. That experience drives everything PRIA is building — tools that help people see clearly through uncertainty so they can make decisions with confidence, not fear.

In 2017, David founded PlanGap, where he developed the first-ever insurance product designed to pay a benefit if Social Security is reduced by government action. That work placed him alongside some of the nation's top economic and policy minds. He was featured in The Baby Boomer Dilemma, a documentary with Nobel laureates Robert C. Merton and William F. Sharpe, former U.S. Comptroller General David M. Walker, and scholars from Wharton, Harvard, and Stanford. He is a frequent podcast guest with financial advisors nationwide, helping practitioners and their clients understand how policy changes create real, measurable risk.

Before focusing on policy risk, David built and exited several ventures, including PEARL Protected — the world's first permanent interior wall-mounted escape ladder — which was featured on The Today Show and Good Morning America and was acquired by Werner Co. in 2009. He is the author of I Can Fix America and a graduate of Oxford College of Emory University and Emory's Goizueta School of Business.

David lives in Atlanta, where he has called home for nearly three decades.