Seven Steps to Retirement Security
Don't Worry, Retire Happy! Seven Steps to Retirement Security is your guide to straight-forward retirement planning in uncertain times. In this presentation Tom will focus on 3 Main Topics – Longevity, Long Term Care and the KEY to Happiness in Retirement. Don't miss this powerful presentation filled with audience participation and find Retirement Alpha – based on Math and Science, NOT Opinions!

How Mortality Credits Improve Retirement Outcomes
Join Tom Hegna for a stimulating session on how the insurance industry is uniquely situated to solver the boomer retirement crisis. In a low interest rate environment, CD's and Bonds are not going to give the adequate "alpha" necessary to provide adequate income to retirees. Utilize "Retirement Alpa" by using life insurance and guaranteed lifetime income from a life insurance company! Understanding the importance of securing Alpha and how it is essential in every retirees plan!

Did you know that for many Americans, their largest retirement asset is Social Security? For a lot of people, they spend more time planning their yearly family vacation than they do planning their Social Security benefit. A great seminar for advisors and consumers alike, it's never too late to start planning your Social Security!

If you ask 50 different financial advisors how to plan for a secure retirement, you will get 50 different opinions. Their opinions are likely to be sub-optimal. "Paychecks and Playchecks: Retirement Solutions for Life" is a guide for retirement that is built for uncertain markets like the one we are in today. The strategies in this presentation are based on a mathematically and scientifically proven approach that will enable you to create a secure retirement, no matter how long you live. You will learn how to retire with enough guaranteed lifetime income to cover your basic expenses and how to optimize the rest of your portfolio to make sure you receive your "playchecks."

Unique Retirement Challenges for Women
The number of single women retiring is increasing every day. Divorce, delayed marriage, death of a spouse, or merely the desire to remain single are all causing this demographic to grow. All these prospects will need your help to optimize their retirement plan, so are you ready to inform that widow that her deceased spouse's life insurance policy doesn't make her a millionaire ? Tom covers these retirement challenges unique to this type of client so you know how to provide the solutions.

Life Insurance and Annuity Questions, and Handling Concerns
There are so many objections, excuses, and stall tactics that your clients use. Tom Hegna has heard them all! You've got to handle them in your presentation so they don't even come up. It's up to you to be the most prepared person in the room. In this presentation, Tom covers several concerns, gives you a simple process to handle ANY of them, and explain the importance of asking questions to uncover your clients' needs. Today's busy world demands that you use optimal ways to communicate, educate, address concerns, close, sell, and write policies. This is the reality, so optimize your work now.

"The Words and Language of Life Insurance"
Tom will cover everything you need to know about how to successfully sell different types of life insurance depending on each of your clients' unique situations. He will explain the differences and nuances of the most popular types of life insurance and make it so simple, that even a small child could understand it. You will learn the differences and nuances of the most popular types of life insurance. How to sell to different types of people depending on the their unique situation. Simple stories to communicate complex, yet powerful ways to show your client the need for insurance. Specific and powerful words and language that will help you handle insurance objections and close more sales. Different methods to demonstrate how much insurance your client actually needs. How to optimize your clients' portfolios to protect from both inflation and deflation.

Don't Live a Just-In-Case Retirement
Retirees talk so much about saving their pile bigger and bigger so they have enough when they arrive at retirement. What happens when they think they have arrived? Rather than live a fulfilled retirement, they live in fear of outliving their money or always keep their kids in mind to leave whatever is left over. Understand risk management is KEY to unlocking retirement happiness.

Who Wants to be a Millionaire?
In his Financial Wellness presentation, 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! Most people think you have to make a lot of money to become wealthy, Tom shows how it is NOT how much you make that counts, it's how much you keep. Spending less than you earn, investing in appreciating assets, having an emergency fund and protecting your blind side with insurance products can allow nearly everyone to become financially successful. Tom shows how poor planning, procrastination, credit card debt, divorce and a failure to understand the Opportunity Costs of purchases doom many people to a life of financial stress and unhappiness. This is a presentation you don't want to miss!