Finally, what policy means for each of us.
Human story
From caveman to modern man, when people gather in great numbers, rules are needed. Rules are the agreements that help us live in harmony with one another. And good rules help us prosper individually and collectively.
As time marches on, the rules pile up. We’ve got a lot of them today. From Washington DC to the state capital and city hall — our government is humongous, layered, and super complicated. Policies are opaque and elusive, and they’re not written in a way that makes sense to most citizens. These policies are the invisible forces that encourage or hinder our goals.
Today’s reality
Every household is plagued by nagging doubts about finances, healthcare, retirement, and other life-changing decisions made unnecessarily complex by tangled policies. We feel overwhelmed, which leads to procrastination, resignation, and sleepless nights.
Policy is everywhere and it’s entangled in lives. We didn’t choose it, but we can learn how to navigate it. We don’t need to understand everything about policy, but we do need to understand what affects us.
We’re all born into two fundamental relationships: our family and our government. While we have therapists to help us navigate our family dynamics, until now, there hasn’t been a partner to help us navigate government policy and the risk it creates.
PRIA’s solution
We’re here to help you build a healthier, more confident, and more empowered relationship with policy.
Policy is everybody’s business. We address the gorilla in the room and forge genuine new ways to bridge the gap between policy and people.
Understanding policy doesn’t mean mastering every detail — it means knowing what matters to you. We help you see clearly through uncertainty, understand the risks and opportunities that matter to your family, so you can make decisions with confidence. No more feeling in the dark, no more wrestling with confusion alone. Wherever you are, PRIA is here to help you make sense and make decisions.
The future we envision
We’re creating a future where no one has to get lost in the fine print or do 10,000 Google searches to understand how policy affects them. We make complicated policy issues understandable, practical, and relatable — all in real time.
We’re building the tools so that every American can understand the role that government policy plays in their lives. So that families make confident decisions about their futures, voters cast ballots with a clear understanding of how potential policies will affect them, and everyone feels empowered to navigate the policy decisions that impact their lives and their goals. We are boosting the confidence and know-how of every American so they can understand the policies that matter to them.
David DuleyFounder and CEO
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 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 2018, David founded PlanGap, where he developed the first-ever insurance product designed to pay a benefit if Social Security is reduced by government action. He was featured in The Psychology of Retirement, a documentary guided by author Morgan Housel and featuring former U.S. Comptroller General David M. Walker, former Social Security Administration Executive Director Jason Fichtner, and other leading retirement researchers.
Before focusing on policy risk, David built and exited several ventures, including PEARL Protected, featured on The Today Show and Good Morning America and 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.
They make policy. We make sense.
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