Podcast appearances and mentions of tom hegna

We're thrilled to welcome Tom Hegna, CLU, ChFC, CASL, to Above the Business. Tom is widely recognized as THE leading expert speaker on optimal retirement solutions and has earned his reputation as the definitive Retirement Income Expert. With an impressive background as a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, he brings a unique blend of military discipline, corporate leadership, and economic expertise to our conversation with Bradley.Tom has condensed his considerable knowledge into five groundbreaking books:Paychecks and Playchecks: Retirement Solutions for Life - This bestseller ranks in the top 1% of any book ever sold, making retirement planning accessible to millions.Retirement Income Masters: Secrets of the Pros - A compilation of the very best practices from the top retirement experts across the country.Paycheques and Playcheques: Retirement Solutions for Canadians - Bringing his expertise north of the border with solutions tailored for Canadian retirees.Don't Worry, Retire Happy! Seven Steps to Retirement Security - Based on his popular Public Television Special that has reached over 80 million homes in the US and Canada.Don't Worry, Retire Happy! Seven Steps to Retirement Security for Canadians - His most recent work, extending his proven methodology to Canadian audiences.When you listen, you will discover Tom's proven framework for creating optimal retirement income streams, learn why traditional retirement advice often falls short, and understand how to apply military-grade planning principles to civilian retirement challenges. His ability to make the complex simple while maintaining scientific rigor makes this episode essential listening for anyone serious about retirement security.

In the latest CBS Spotlight episode, retirement expert and economist Tom Hegna shares his insights on achieving a financially secure retirement. With over 30 years of experience, Tom emphasizes the importance of guaranteed lifetime income and offers strategies to ensure financial stability throughout retirement. His engaging presentation simplifies complex financial concepts, making them accessible and actionable for all.

Want to retire with financial freedom and zero stress? You need a strategy, not just savings. In this episode, we sit down with Tom Hegna, one of the most respected retirement and wealth-building experts in the industry, to break down the simple yet powerful steps to building wealth and securing your retirement.  

Tom Hegna breaks down the math, risks, and misconceptions of retirement planning, sharing proven strategies to ensure you have enough income for life, no matter how long you live.0:00 Intro0:39 What Is Your Initial Retirement State of the Union3:03 Challenges You See with the Number of People Retiring5:43 What Are Your Thoughts on Ending Taxes on Social Security?10:53 What Are Your Regrets?11:33 Three Lessons15:24 Thoughts on Alternative Investments19:47 Asset Allocation as an Entrepreneur22:45 To Make More Money, You Have To Provide More Value23:34 Estate Planning25:27 Reverse Mortgages: The Good The Bad and The Ugly28:56 Why Life Insurance and Annuities A Great Asset35:29 Life Insurance or Annuities?40:10 Emergency FundsWant FREE Whole Life Insurance Resources & Education? Unlock The Vault Here: https://bttr.ly/yt-bw-vaultWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Learn More About Tom Hegna: https://tomhegna.com/about-tom-hegna Check Out Tom's Books: https://tomhegna.com/shop/______________________________________________ ✉️ Email BetterWealth: https://bttr.ly/infoWEBSITE: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

"I came with a strong message at a time people needed it." -Tom Hegna Tom teaches people simple, applicable ideas to take action towards accumulating money-- some people call it Retirement.  I prefer to think of it as financial freedom, in any event, he will make the habit of doing it easier for you. Tom has a dynamic personality. And that is often what it takes to get people to take action. Tom Hegna has a great story.  He was entrepreneurial as a young child growing up in Minnesota.   His ealry career in the military and in corporate America are not the route an entrepreneur usually takes.  And he still had the courage to take action and create for himself.   He is an Author, a Public Speaker and an Entrepreneur of the best kind-- he practices what he preaches. Preach Tom!  

In this week's episode, we'll discuss why it's so important to make a plan for long-term care with multi-bestselling author Tom Hegna. What if you have medical issues and cannot get approved for a traditional LTC plan? What is the difference between what you need and what you want your income to do in retirement? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

In this week's episode, we'll explore if being a do-it-yourself investor makes sense in retirement and what an optimal plan looks like with multi-bestselling author Tom Hegna. Is there a wise plan for younger people to follow to be in a great position for retirement? Does someone really need a retirement expert to help them plan their retirement? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

In this week's episode, we'll discuss if replacing bonds with annuities in retirement makes sense with multi-bestselling author Tom Hegna. Why would a retiree want to have annuities instead of bonds? Why do some people think they don't like annuities? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

In this week's episode, we'll explore if guaranteed lifetime income is too good to be true with multi-bestselling author Tom Hegna. What are the risks to the companies offering these plans? What is retirement alpha and how does it apply to retirement income? Why are mortality credits vital to your income plan in retirement? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week for a discussion about protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

In this week's episode, we'll explore why it is so important to work with a Social Security expert when planning your retirement with world-class economist Tom Hegna. How much is your Social Security benefit worth? How does the survivor benefit work in Social Security? What can you do to plan for retirement if you've never trusted the market? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week for a discussion about protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

Annuities might sound boring, but you know what's NOT boring? Having Paychecks and Playchecks... Tom Hegna famously describes it like this... Being able to enjoy *every* opportunity that comes your way in retirement – stress-free, All because you covered your basic expenses like utilities, food, and taxes with a steady, guaranteed income, So you can focus on the fun stuff – traveling, spoiling the grandkids, or chasing new adventures.

In this week's episode, we'll explore the wisdom my friend Tom Hegna shares in his bestselling book Don't Worry, Retire Happy. What does having a plan really mean? How can you protect your savings from inflation? Is having a guaranteed lifetime income important? What about long-term care? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week for a discussion about protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

Are your clients prepared for the impending tax hike that could DOUBLE in the next decade? Don't let your clients get blindsided by this financial tsunami and help them strategize NOW to minimize their tax burden in retirement! I am excited to share my top 10 takeaways from the recent Heroes of Zero conference, where I got to hear from David McKnight, Ed Slott, Tom Hegna, and Van Mueller. Get ready to crush those retirement goals! Start implementing these strategies TODAY to secure a brighter future for your clients. #RetirementPlanning #CashValueLifeInsurance #FinancialSecurityHIGHLIGHTS00:00 The strategies to help clients minimize taxes in retirement.03:45 What is the concept of IRA as an "IOU to the IRS"?05:30 The importance of guaranteed income in retirement.08:00 Why you should leave life insurance over a lump sum for your children?10:00 The reason why you need a comprehensive retirement plan.11:45 Why you should ALWAYS choose appreciating assets.13:00 The importance of mastering your craft and becoming invaluable to your clients.14:15 Why is it recommended to have life insurance coverage of 20x the client's income?15:45 What is the role of cash value life insurance and annuities in an optimal retirement plan?18:00 What are the benefits of investing in tax-free vehicles and cash-value life insurance?RESOURCES + LINKSWatch the full episode on YouTube: HEREJoin Thousands of Insurance Agency Owners and Build Your Business - With our Proven System Responsible for over 200 million in Insurance Sales! FREE 7-Day Demo TRY NOW  Learn to Become a 6 Figure Life Insurance Producer HERETrain Your New Hire in Just 10 Days HERE   "Game Changer: Taking Your Insurance Agency To The Next Level" by Michael Weaver: Unlock the secrets to success in the insurance industry. ORDER NOWConnect Directly with Us:Text "BUZZ" to (816) 727-7610 to chat directly with MichaelFOLLOWWebsite: https://www.weaversa.comLinkedin: https://www.linkedin.com/in/michaelweaverwsa/Facebook: https://www.facebook.com/themichaelweaverInstagram: https://www.instagram.com/_michaelweaver_/Youtube handle: @michaelweavertraining https://www.youtube.com/@michaelweavertrainingJoin Thousands of Insurance Agency Owners and Build Your Business - With our Proven System Responsible for over 200 million in Insurance Sales! FREE 7-Day Demo TRY NOW

Today's video is part four of David's interview with the co-founder of Power of Zero, Larry DeLegge. They discuss whether AI will replace financial advisors and if Congress will take away the tax advantages of cash value life insurance. According to David, financial planning is more of an art than a science. This is why he is not all that convinced that AI has the capabilities to successfully handle people's unique and complex financial situations.  2043 will be a big year for our country. Once we hit a 200% debt to GDP, no combination of increasing taxes or reducing spending will arrest the fiscal collapse of our nation. David breaks down the options and solutions we still have to put our country back on a sustainable fiscal path.  David shares his thoughts on whether Congress will change the rules on cash value life insurance.  The book, Power of Zero, works best for people who have already accumulated money and are looking for ways to wring the most efficiency out of their savings while shielding themselves from the impact of higher taxes.  David reveals that his next book will target the younger generation--the people in their 20s, 30s, and 40s.  David agrees with Harrison Young's famous saying that the people who contribute 30 percent of their retirement savings to cash value life insurance take much more income in retirement than people who do investments alone.  David shares why he believes financial advisors need to redeem life insurance and tax-free planning principles by teaching the principles to the younger generation. If you're going to write a book, find some good stories and make those stories the centerpiece of what you're trying to drive home. That's how you write a good book. David's advice for people looking to write a book on finances: don't ever start a book with your own personal story. Start your book with a story that will grab your reader's attention and then keep them for the rest of the book.     Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Tom Hegna's Who Wants to Be a Millionaire? By Tom Hegna

Over the last two months, we've had close to 8 people contact us to put together a retirement plan because they're fearful of being downsized. If they got laid off, could they afford to retire? People are looking for peace of mind and a retirement plan helps cover the what-ifs in life.  Tom Hegna wrote the book, “Don't Worry, Retire Happy.” In it, he brings up some good points when it comes to retirement planning and what to be aware of. I tweaked his methodology to make it my own. So in this episode of the Retirement Made Easy podcast, I'll cover the 7 steps you need to have a secure retirement.  You will want to hear this episode if you are interested in... [0:28] Why you need a retirement plan in place (and how we can help you)  [6:11] Step #1: Get a retirement plan in place  [8:05] Step #2: Maximize Social Security benefits and pensions [8:45] Step #3: Consider a hybrid retirement [10:40] Step #4: Account for inflation  [14:51] Step #5: Protect your dollars from taxes  [17:30] Step #6: Have a plan for long-term care [18:46] Step #7: Use your home equity wisely Resources & People Mentioned 3 Steps to Retirement Planning “Don't Worry, Retire Happy" Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts

Today we have David McKnight, author of the best selling book The Power Of Zero, where we talk about his start as a financial advisor, the best presentation that advisors should follow, and so much more! Join David McKnight, Tom Hegna, and more at the Heroes Of Zero event in Nashville on May 16-17: https://ca.heroesofzero.live/ #financialadvisor #retirement #retirementplanning

In this episode of the Money Mastery Unleashed podcast, host Adam Olsen and guest Tom Hegna discuss strategies for retirement planning. They cover the risks of inflation and the limitations of traditional portfolios, suggesting annuities and life insurance as tools for financial security. Tom emphasizes the importance of guaranteed income and enjoying retirement savings. The conversation also touches on Medicare, Social Security, and the different phases of retirement. Additionally, they explore the benefits of Roth IRAs, the impact of compounding, and the value of professional financial advice. The episode aims to provide listeners with insights and guidance for a stable and fulfilling retirement. "The reason inflation is such a big risk is that even if inflation is 4%, purchasing power is cut by more than 50% over 20 years." What you will learn: Inflation as a Retirement Risk Medicare and Social Security Concerns Phases of Retirement and Insurance Planning Benefits of Annuities in Retirement Planning Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

In times of uncertainty, people crave certainty. With upcoming elections, a looming national debt of ~$34 trillion, rising tax rates, stock market volatility, and changes in interest rates — clients are facing so much uncertainty today! How do you guide them through this situation? What... The post How to Prepare for the Tax Tsunami: Navigating Rising Tax Rates with Tom Hegna (Ep. 58) first appeared on InsurMark.

Get ready to overcome objections and write 30 life insurance policies in 5 days! In today's episode we're bringing back some needle moving strategies from some of our most popular episodes from 2023. Learn the strategy top producers use to overcome the #1 objection to life insurance, plus advice from industry leader Tom Hegna on the power of having third party information to support the solutions you are offering your clients. Tune in to gain valuable insights on bringing conversations back to what matters most to your potential clients, getting clients invested emotionally, and bringing every interaction back to a sales opportunity. We know these tips will help you take your business to the next level in 2024 and beyond! HIGHLIGHTS01:00 How to overcome the objection “I already have life insurance through my work.”04:30 When do you move on from the discovery phase of the sale to educating and offering solutions?06:45 Learn how to prospect customers and write 30 Life policies in 5 days.07:45 The Ernst & Young white papers and other third party materials Tom Hegna recommends to have in your back pocket.10:15 Where are financial investors missing the mark on their own investments?RESOURCES + LINKSJoin our 30 Life in 5 Days Challenge - https://www.weaversa.com/30in5EarlyBirdErnst & Young Paper mentioned in today's episode! Build your insurance business with our proven system - Weavers Sales AcademyOrder my book - Game Changer: Taking Your Insurance Agency To The Next by Michael WeaverFOLLOWMichael + Courtney: @mandcweaverMichael Weaver: @_michealweaverCourtney Weaver: @courneyvieYouTube: Michael and Courtney Weaver

In this episode, Josh is joined by Tom Hegna, a renowned retirement planning expert and author of "Who Wants to Be a Millionaire," to discuss effective strategies for building wealth and securing a comfortable retirement. Josh leads the conversation, exploring Tom's insights on the importance of a well-thought-out retirement plan, the benefits of maximizing social security, and strategies for inflation protection. Tom emphasizes the value of annuities and insurance products in ensuring a guaranteed lifetime income during retirement. Josh delves into Tom's concept of ikigai, discussing how finding one's purpose and passion in life aligns with financial success and the necessity of living within one's means. They discuss Tom's key steps to building wealth, including making more money, spending wisely, and investing in appreciating assets. Tom shares his belief that with disciplined saving and investing, nearly every American has the potential to become a millionaire. The episode also covers the critical roles of long-term care insurance and life insurance in estate planning, along with effective strategies to protect against inflation. Can't get enough of the Financial Quarterback? Click 'Subscribe' to ensure you never miss a play. New episodes touchdown right here! And if you're loving the playbook, drop us a 5-star rating and leave a review. Your feedback drives the game!

In this episode, The Annuity Man and GUEST discuss:  Saying no to DIY retirement What the right age for retirement is How annuity addresses inflation Securing guaranteed lifetime income with annuities   Key Takeaways:  Retirement is not a DIY project, do it with a professional.   The age for retirement would not be the same for many. If you want to get the optimal age, you have to spend some time calculating all the factors that go into it.   Be creative in doing something that can help your retirement. It's okay if you have to do a side hustle or work longer.   Having a huge income guaranteed allows you to make riskier and therefore more rewarding investments.   When the account is drawn down to zero, the annuity company is still on the hook to pay.    "They found that the happiest people in retirement were those people who were surrounded by their families and friends, and had guaranteed paychecks every single month." —  Tom Hegna   Check out Tom's Books here: https://tomhegna.com/shop       Connect with Tom Hegna: Website: https://tomhegna.com/  LinkedIn: https://www.linkedin.com/in/tomhegna    Facebook: https://www.facebook.com/TomHegnaSpeaks/    Twitter: https://twitter.com/tomhegnaspeaks    Pinterest: https://www.pinterest.ph/retirehappynow/    Youtube: https://www.youtube.com/c/tomhegna    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

David talks to Tom Hegna, an economist, author, and popular industry speaker considered by many to be the retirement income expert. David reveals how he learned about the unstable fiscal trajectory of the U.S. and why he wrote the book, "The Power of Zero." The book emphasizes the importance of preparing for higher tax rates. It offers strategies to help you protect your retirement savings against the impact of potentially higher tax rates in the future. David talks about teaching financial principles to his children--tithe 10%, save 20%, spend the remaining 70%. Did you know Americans have 95% of their accumulated retirement dollars in IRAs and 401Ks? It's great that Americans are saving for retirement but the downside to this strategy is that traditional IRAs and 401Ks are tax-deferred. Taxes are deferred until the funds are withdrawn. Meaning you'll potentially pay more in taxes in retirement.  David reveals why it's okay to preemptively pay taxes before the IRS absolutely requires it of you. Tips for individuals in their 20s and 30s on how to save and invest in tax-free accounts.  Why it's never a good idea to spend most of your income on depreciating assets. David shares how his system for investing differs from mainstream financial advice. Tom and David agree that people cannot become wealthy by borrowing money to put into depreciating assets. David's investing principle is built on a simple formula: start saving money as early as today, put it in tax-free accounts, do it consistently for 40 years, wait, and you'll have a great retirement. According to David, whatever you decide to do in college, someone has to be willing to pay you money in exchange for the services you provide. The longer your investment horizon, the more likely your taxes will be higher in the future. Not only do you need to start investing early, you also need to invest tax-free. Remember, the longer your investment horizon, the more it makes sense for you to invest in tax-free accounts. We are marching into a future where the cost of servicing the national debt will consume the entire federal budget. When this happens, David believes the Federal Reserve will be forced to raise taxes or risk going bankrupt.  So, how can Americans protect themselves from the risk of rising taxes?  First, acknowledge that taxes will be higher in the future, invest early, and start investing in tax-free accounts.  David and Tom share their thoughts on why permanent life insurance is by far the best tax benefit in the IRS tax code. David announces his upcoming book, "Guru: Why Financial Gurus Are Leading You Astray and How to Get Back on Track," which critiques mainstream financial advice and offers a more personalized approach to tax-free investing.     Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Coach Pete is joined in the studio by Tom Hegna, author of "Don't Worry, Retire Happy" and "Who Wants to be a Millionaire?", continuing the conversation about changes in the market and how to prepare for the retirement you want! If you have questions about taxes in retirement, or if you want a second opinion on your retirement plan, contact Coach Pete and the team at Capital Financial at (800) 661-7383.See omnystudio.com/listener for privacy information.

Coach Pete is joined in the studio by Tom Hegna, author of "Don't Worry, Retire Happy" and "Who Wants to be a Millionaire?", talking about changes in the market and how to prepare for the retirement you want! If you have questions about taxes in retirement, or if you want a second opinion on your retirement plan, contact Coach Pete and the team at Capital Financial at (800) 661-7383.See omnystudio.com/listener for privacy information.

In this episode of the podcast, I am joined by Tom Hegna where we talk about what people need to do in order to set themselves up for a successful financial future and how to become a millionaire. Tom shares simple concepts that can help anyone become financially independent. Not only can people become very wealthy using these tips, research shows they will also likely be much happier and even live longer! If you're an insurance agent, agency owner, or simply someone looking to have a more secure financial future, this podcast is a must-watch! Get Tom Hegna's book here with FREE shipping: https://tomhegna.com/shop/product/125/tom-hegnas-who-wants-to-be-a-millionaire

What's in this episode:- Planning for retirement the right way- Improve your portfolio performance- Appreciating assets- What's happening in crypto?- Becoming a millionaire- State of the economyAbout Tom:Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert.As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books.Contact Tom:Website: tomhegna.comYouTube: @TomHegnaLinkedIn: Tom Hegna Catch the full video of this conversation:Text BUZZ to (816) 727-7610 to connect directly with us and share your favorites from the episode or learn more about upcoming events and challenges happening in our industryJoin Weaver Sales Academy: https://www.weaversa.com/Follow Michael & Courtney on social media:Facebook: https://www.facebook.com/mandcweaverInstagram: https://www.instagram.com/mandcweaver/Youtube:Michael LinkedIn: https://www.linkedin.com/in/michael-weaver-a2940095Courtney LinkedIn:  https://www.linkedin.com/in/courtney-weaver-4b8139a0/

What's the secret to a happy retirement? If you want to enjoy your retirement to the fullest, you must have a sense of purpose and guaranteed income for the rest of your life. That way, you have something to look forward to every day, without the fear of running out of money! In this episode … Continue reading Guaranteed Income for a Happy Retirement with Tom Hegna →

In this episode of the BetterWealth Show my guest is Tom Hegna, an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert! Get FREE Overfunded Whole Life Insurance Education and Resources - https://bttr.ly/vault Get Your Questions Answered by one of our Life Insurance Experts - https://bttr.ly/aaclarityTom's Youtube - https://www.youtube.com/@TomHegna Connect with Tom - https://tomhegna.com/ #BetterWealth Free 15 Minute Clarity Call: https://bttr.ly/ytclarity The And Asset Book: https://bttr.ly/book BetterWealth Quiz: https://bttr.ly/quiz AndAsset.com: https://bttr.ly/andasset BetterWealth Youtube - https://bttr.ly/bwyoutube Financial Advisor, Agent or Coach: https://bttr.ly/advisor

Tom Hegna CLU, ChFC, CASL, is an author, speaker, and economist. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!As a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars, helping Baby Boomers and seniors retire the “optimal” way. He has condensed a large chunk of his considerable knowledge into five of his books:Paychecks and Playchecks: Retirement Solutions for Life, which is in the top 1% of any book ever sold.Retirement Income Masters: Secrets of the Pros that compiles the very best practices from the top retirement experts in the country.Paycheques and Playcheques, Retirement Solutions for Canadians.Don't Worry, Retire Happy! Seven Steps to Retirement Security, which is based on his popular Public Television Special that has played in over 80 million homes in the US and Canada.And most recently: Don't Worry, Retire Happy! Seven Steps to Retirement Security for Canadians.Tom specializes in creating simple and powerful retirement solutions based on math and science – not opinions. He has the unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand words, ideas, and stories. He is available to speak to businesses, government organizations, professional associations, financial professionals, and their clients all across the globe.Learn more: https://tomhegna.com/webinarsInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tom-hegna-author-speaker-economist-and-retirement-income-expert

Tom Hegna CLU, ChFC, CASL, is an author, speaker, and economist. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!As a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars, helping Baby Boomers and seniors retire the “optimal” way. He has condensed a large chunk of his considerable knowledge into five of his books:Paychecks and Playchecks: Retirement Solutions for Life, which is in the top 1% of any book ever sold.Retirement Income Masters: Secrets of the Pros that compiles the very best practices from the top retirement experts in the country.Paycheques and Playcheques, Retirement Solutions for Canadians.Don't Worry, Retire Happy! Seven Steps to Retirement Security, which is based on his popular Public Television Special that has played in over 80 million homes in the US and Canada.And most recently: Don't Worry, Retire Happy! Seven Steps to Retirement Security for Canadians.Tom specializes in creating simple and powerful retirement solutions based on math and science – not opinions. He has the unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand words, ideas, and stories. He is available to speak to businesses, government organizations, professional associations, financial professionals, and their clients all across the globe.Learn more: https://tomhegna.com/webinarsInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tom-hegna-author-speaker-economist-and-retirement-income-expert

Scott welcomed Retirement Expert, Economist, Best Selling Author, Public TV host and International Speaker Tom Hegna virtually in studio to have a discussion on financial planning in the current economy, the importance of using the right tools at the right time, and practicing what he preaches when it comes to his own retirement.Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books.As a financial professional, after learning from this value packed episode you will walk away with a greater understanding of how wealth preservation strategies can deepen client relationships and grow your business better moving into the future.Connect with Scott on LinkedInConnect with Tom on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Tom Hegna click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

In this episode of Planning Matters Radio, we have a surprise guest #TomHegna that is joining us. The author of multiple books including "Don't Worry Retire Happy" and "Pay Checks and Play Checks", #TomHegna joins us to discuss the income planning piece of retirement and how simple it can be when broken down. We hope you enjoy this special edition to Planning Matters Radio. Give #PeterRichon a call at (919) 300-5886 and visit #RichonPlanning.com.

In this podcast episode, 138, host Gary Heldt interviews Tom Hegna, CLU, ChFC, CASL,, a well-known economist and retirement income expert. They discuss the importance of having guaranteed income in retirement and the potential risks of relying solely on investments. Tom emphasizes the benefits of delaying Social Security benefits and how it can increase your long-term income. Tom also talks about the importance of having a financial professional in your arsenal and recommends utilizing free webinars and resources to educate yourself on retirement planning. Here are the key takeaways: Having guaranteed lifetime income can improve your portfolio performance, increase your happiness, and potentially allow you to live longer. Delaying Social Security benefits can increase your long-term income, especially for the breadwinner in a couple, as it covers both lives. It's important to consider the health of both partners in a couple when deciding on when to take Social Security benefits. Working with a financial professional and utilizing free webinars and resources can help educate you on retirement planning and make informed decisions. As tax rates are potentially going up, it's important to consider how this will impact your retirement income and plan accordingly. Tom Hegna, CLU, ChFC, CASL, is a renowned author, speaker, and economist who has delivered over 5,000 seminars to Baby Boomers and seniors on how to retire the optimal way. He is considered by many to be THE Retirement Income Expert and is a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist.  Tom has authored five books, including Paychecks and Playchecks: Retirement Solutions for Life, Retirement Income Masters: Secrets of the Pros, Paycheques and Playcheques, Retirement Solutions for Canadians, and Don't Worry, Retire Happy! Seven Steps to Retirement Security. He specializes in creating simple and powerful retirement solutions based on math and science, not opinions. Tom is available to speak globally to businesses, government organizations, professional associations, financial professionals, and their clients. Tom's website:  LinkedIn: https://www.linkedin.com/in/tomhegna/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Here's a look back on the best of the best episodes from 2022, including interviews with David Peterson, Alex Shattuck, Troy Korsgaden. Chris Ronzio, Tom Hegna, Thomas Ntuk, David McKnight, Nathan Jamail, David Allen, Mike Michalowicz, Future Legacy Partners, and Mark Miller.Thanks to our sponsors...Club Capital offers monthly accounting, tax, and CFO services for insurance agency owners. Learn more at www.club.capital.Ready to grow your book of business? That's Direct Clicks Inc.'s specialty. Find out how they can help your agency leverage Google to drive inbound phone calls, leads, online visibility and organic growth at www.directclicksinc.com.Coach P found great success as an insurance agent and agency owner. He leads a a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Club Capital Podcast when you get in touch.Rock Solid Virtual Assistants is the leading virtual assistant agency in the USA. Learn more about how an executive or creative assistant (or both) can support your business growth goals when you visit www.rocksolidassistants.com.Autopilot Recruiting is a continuous recruiting service where you'll be assigned a recruiter that has been trained to recruit on your behalf every business day. Listeners of the Club Capital Leadership Podcast go to https://www.autopilotrecruiting.com and use the code ClubCapital to get started.

This is a special rebroadcast of one of the most listened to Insurance Guys episode. Bradley and Scott sat down and talk with Tom Hegna in Las Vegas to discuss life insurance selling techniques, tips, and plastic cows. Do not miss out on this important show. Get Your 2023 One City World Tour Access? Check on special pricing and ticket availability for the next great Insurance Guys Conference. >>> Save Here ///////////// Sponsor: GloveBox A seamless all-in-one platform connecting clients to your agency and their carriers. Maximize the client experience with both Agency and Carrier self-service features. Check them out here >>> Ascend Check Out The Modern Insurance Payments Platform Book an Ascend demo at useascend.com/insuranceguys

Join Kelly and her guest: Tom Hegna, economist, retirement income expert, speaker, and author. Tom is on a mission to help the world's population understand the math and science to retire happy.Today we're talking about how no retirement plan is complete without a plan for long-term care (LTC).In this episode: the importance of planning for long-term care (LTC) and how it can affect your retirement plan, the three phases of retirement, Pension Protection Act annuities, increasing income in retirement, and why it's important to work with an independent LTC insurance Specialist. Watch this episode on Youtube:https://youtu.be/HT4qHJbNA68 Find out more about Tom Hegna:https://tomhegna.com/ Find Tom's books online:https://tinyurl.com/235z2722For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com. To explore your options for long-term care insurance, click here. Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Complimentary Financial Fitness Strategy Sessionhttps://meetwithkrismiller.com/Home - Healthy Money Happy LifeTHESE SHOWS AVAILABLE IN VIDEO ATLegacy Shifters - YouTubeKris@HealthyMoneyHappyLife.com951.926.4158 for appointmentsFREE GIFT - Create Your Legacy ShiftYour Legacy Shift with Kris Miller and Tia Ross#1 Best Seller READY FOR PRETIREMENT, 3 Secrets for Safe Money and a Fabulous FutureBook - Healthy Money Happy Life Learn more about your ad choices. Visit megaphone.fm/adchoices

Coach Pete D'Arruda is joined in the studio by Tom Hegna, retirement expert and author, continuing the conversation about their passions for helping people get the retirement they've always dreamed of. If you have questions about taxes in retirement, or if you want a second opinion on your retirement plan, contact Coach Pete and the team at Capital Financial at (800) 661-7383.See omnystudio.com/listener for privacy information.

A nice mix this week on a variety of topics. Coach Pete D'Arruda has a conversation with bestselling author and financial expert Tom Hegna. Eric Kearney and Joesph Lanza dig into what's going on in the market and how it's affecting those in retirement. Joe Murphy has Medicare specialist Carol Van Noot outlining what is new with Medicare in 2023. Visit Financial Pizza to learn more. Call 800-662-6808 or text PIZZA to 600700. See omnystudio.com/listener for privacy information.

Coach Pete D'Arruda is joined in the studio by Tom Hegna, retirement expert and author, discussing their passions for helping people get the retirement they've always dreamed of. If you have questions about taxes in retirement, or if you want a second opinion on your retirement plan, contact Coach Pete and the team at Capital Financial at (800) 661-7383.See omnystudio.com/listener for privacy information.

I sit down with a legend in the life insurance and financial space, Tom Hegna. A 3 time bestselling author and former First Vice President at New York Life, Tom is an expert in retirement planning and has no lack of knowledge when it comes to controlling your money. Guest Bio Nobody knows retirement income planning better than Tom Hegna. As a former First Vice President at New York Life, he has dominated the main platform of all the biggest venues in the financial services industry, electrifying top producers worldwide. Wielding unsurpassable expertise and a record of over 5,000 seminars, his words have literally had a multi-billion dollar impact on the industry. Tom specializes in simplifying retirement solutions so advisors don't even have to sell - they just have to show. He makes retirement a happy occasion by giving easily digestible solutions to complex problems using a variety of financial products such as annuities, life insurance, and mutual funds. Guest Links Watch more of Tom Hegna - https://www.youtube.com/c/TomHegna (https://www.youtube.com/c/TomHegna) Connect with Tom - https://www.TomHegna.com (https://www.TomHegna.com)  #BetterWealth  Free 15 Minute Clarity Call: https://bttr.ly/ytclarity (https://bttr.ly/ytclarity)  The And Asset Book: https://bttr.ly/book (https://bttr.ly/book)  BetterWealth Quiz:  https://bttr.ly/quiz (https://bttr.ly/quiz)  AndAsset.com:  https://bttr.ly/andasset (https://bttr.ly/andasset)  BetterWealth Youtube - https://bttr.ly/bwyoutube (https://bttr.ly/bwyoutube)  Financial Advisor, Agent or Coach: https://bttr.ly/advisor (https://bttr.ly/advisor)

This week, we revisit an impactful and very relevant episode from this past year. Join us as we hear from our friend, and renowned retirement expert, Tom Hegna about creating more happy clients on their retirement planning journies.    How can we create more happy retirement planning clients? Tom Hegna joins our show today to share his insights on how to make this happen in your practice. Also, do you want to get regular updates on news from Tom and other guests of our show? Go to  and subscribe to our newsletter.   We hope you enjoy the show!   Links mentioned in this episode: 

In this episode, The Annuity Man and Tom Hegna discuss:  There are no second chances in retirement  Why the bond market is down right now  Annuities should be bought and not sold  Investing wisely into cryptocurrency    Key Takeaways:  When it comes to retirement, there's no dress rehearsal; there are no second chances. We need to get it right the first time. That's why you must have at least your basic living expenses covered with a guaranteed lifetime.  Inflation is at 9%, yet we got a 30-year bond under 3%. That could mean that the bond market, the smartest market in the world, sees something really bad on the horizon.  People don't think about what would happen if they died or if the market stays down; somebody needs to stimulate them. However, it remains true that annuities should be bought and not sold. Put only 1% of your portfolio into cryptocurrency. It won't hurt a bit if it goes to zero, it won't hurt a bit, but if it gets huge, it'll help a lot.    "Retirement is about income; it's not about assets. As a minimum in retirement, you should cover your basic living expenses with guaranteed lifetime income… " —  Tom Hegna.   Connect with Tom Hegna: Website: https://tomhegna.com/  LinkedIn: https://www.linkedin.com/in/tomhegna  Facebook: https://www.facebook.com/TomHegnaSpeaks/  Twitter: https://twitter.com/tomhegnaspeaks  Pinterest: https://www.pinterest.ph/retirehappynow/  YouTube: https://www.youtube.com/c/tomhegna    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Complimentary Financial Fitness Strategy Sessionhttps://meetwithkrismiller.com/Home - Healthy Money Happy LifeTHESE SHOWS AVAILABLE IN VIDEO ATLegacy Shifters - YouTubeKris@HealthyMoneyHappyLife.com951.926.4158 for appointmentsFREE GIFT - Create Your Legacy ShiftYour Legacy Shift with Kris Miller and Tia Ross#1 Best Seller READY FOR PRETIREMENT, 3 Secrets for Safe Money and a Fabulous FutureBook - Healthy Money Happy Life Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on the leadership podcast, Tom Hegna joined Bradley to discuss optimal retirement solutions.  They covered topics in investing, insurance sales, and retirement portfolios. Tom shared the differences between optimal and best, defined fake fiduciaries, why he recommends annuities in your portfolio, and shared his changed opinions around cryptocurrency. They also talked about why advisors should reach out to their clients even with a declining market.  Tom also noted that salespeople should become more prospect focused and less product focused. You can learn more about Tom and all he offers at http://www.tomhegna.com/webinars (www.tomhegna.com/webinars) or text 855-TOM-HEGNA.

Are you a fake Fiduciary?  The word “fiduciary” is thrown around a lot, but are advisors who use it, truly acting as fiduciaries or just marketing it? In this episode, Adam Holt and Derek Notman are joined by Tom Hegna. One of the most prolific industry speakers, Tom is considered by many an expert in … Continue reading Are you a Fake Fiduciary with Tom Hegna (Ep 21) →

Retirement Income Expert Tom Hegna Shares Financial Secrets To A Happy, Healthy Retirement Welcome to episode #30 of Social Security: Answers From The Experts with Martha Shedden. In this episode Martha sits down with Tom Hegna and they discuss many aspects of his wide-ranging knowledge on retirement planning. This episode would be useful for both consumers and financial professionals who want to understand the current situation surrounding successful retirement planning. Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be the Retirement Income Expert. As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books. Here is what to expect on this week's show: A look into Tom's background, how he went into retirement issues and how his extensive experience in the Army plays into his life now. Why are the financials of retirement planning so different from other types of financial planning? (With examples of how this plays out) Important highlights from Tom's PBS TV special Don't Worry, Retire Happy. What financial planning help is most needed these days, and how has it changed recently over the past few years? What is it that the average thing that pre retiree do not understand about security and what problems are created by this lack of understand? Why must one use insurance products and annuities to remove retirement risks? What dilemmas do baby boomers face that other generations have not faced in the past? More information about annuities and the value of adding them to your retirement portfolio.   Relevant Links: https://tomhegna.com/ Connect with Tom LinkedIn: https://www.linkedin.com/pub/tom-hegna/40/83a/336 Twitter: https://twitter.com/tomhegnaspeaks Facebook: https://www.facebook.com/tomhegnaspeaks YouTube: https://www.youtube.com/c/tomhegna Email: info@tomhegna.com   Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom Hegna is the former First Vice President at New York Life, a retired Lieutenant Colonel, and an economist, considered by many to be THE retirement income expert. His PBS TV Special - Don't Worry, Retire Happy has played in over 80 Million Homes in the US and Canada. He has trained over 300,000 Financial Advisors, given over 5,000 public seminars and webinars, and is a member of the Elite "Million Dollar Speakers Group" of the National Speakers Association - the top 1/2 of 1% of Professional Speakers in the world.

Enough said...you don't want to miss this one.