David Stone formed Aria in 2009 to specifically address the growing demand for guaranteed income solutions for independent investment advisors (RIA's). Aria is a multi-product open architecture technology and distribution platform exclusively serving RIA's. David has over 24 years experience in financial services as a senior legal counsel to major life insurance companies, mutual funds and broker/dealers with a specific expertise in annuity product development and distribution. Prior to Aria, David was Vice President and Associate General Counsel for Charles Schwab Insurance Services. Prior to Schwab, David was in-house counsel at Allstate Financial where he worked as lead counsel on numerous product development projects for a broad range of broker/dealer and bank distributors. David has also been a frequent speaker at industry conferences and active participant on numerous committees dedicated to retirement income product solutions.