News
 
 
Tom Hegna's Economic Commentary for 2013
Tom provides insightful commentary about the economy in 2013. He discusses the low interest rate environment, the potential for deflation and inflation, debt problems in the US, Europe, and Japan, and why the insurance industry is uniquely positioned to keep retirees from running out of money in these difficult circumstances...

 
 

How to Dominate the Retirement Market
Tom talks about why the insurance industry holds the solution to the impending retirement crisis. Read Article
 

Small Business Advocate Radio Show - As heard on Forbes.com
Creating a "Retirement Alpha" plan - Enjoy your retirement and still leave something for your kids. Tom Hegna joins Jim Blasingame to reveal what he calls the "Retirement Alpha" plan, where you enjoy retirement without worrying about spending your last dime... Listen to Part 1  Listen to Part 2
 
 

Are RMDs the WMDs of a retirement plan?
Although they might claim that they are here to help boomers and seniors retire, are you sure that the government's "retirement plan" is the best option for your clients... Read Article
 
 

What if your client is a gold bug?
by Daniel Williams
...My research indicates that gold is good in the years leading up to inflation. However, when inflation actually hits, the data is unclear. I would argue that real estate has been a very good hedge against actual inflation. There is evidence that ag commodities could do well in the future as well since the population is growing and ag land is decreasing. --Tom Hegna... Read Article
 
 

Who can solve the baby boomer retirement crisis?
by Maria Wood
...Retirement expert and author Tom Hegna said that the life insurance industry has a "monopoly" on solving what he termed the baby boomer retirement crisis. Because the life insurance industry balances both side of the longevity equation—with life insurance the risk is that a policyholder dies too soon and with annuities the risk is the owner lives too long—it is the only industry that can provide "retirement alpha" or the highest amount of guaranteed retirement income, Hegna said... Read Article
 
 

Why the Insurance Industry Has a Monopoly on Retirement
Tom explains why income annuities offered by the insurance industry are ideal for retirees in these uncertain economic times. Read Article
 

My Best Sales Ideas
Tom discusses sales ideas such as helping seniors reduce their income taxes. Read Article
 

The Annuity Advantage: Why Income Annuities are Built for today's Market
"Fed's Low Interest Rates Crack Retiree’s Nest Eggs" This was the headline of a Wall Street Journal article in April 2011. It was the tipping point for me. I had to get the word out there about the power of annuities... Read Article
 

Should Annuities Provide Your Retirement Paycheck?
With traditional safety nets such as company pensions and Social Security dwindling, many of the 78 million baby boomers are left trying to answer one question: "Who's going to pay my retirement paycheck?" Read Article
 

The Real Story Behind Landing the Big Case
Tom is quoted on how advisors can land big cases, and that they should not take their eyes off of the smaller ones: "Keep on building up your regular business, and add the elephant hunting on to that." Read Article
 

Make Your Own Boom in the Boomer Market
Today's financial advisors can be more successful than any other crop of advisors before them - and it's as simple as 1,2,3... Read Article
 

Who Can Solve the Boomer Retirement Crisis? The Insurance Industry
With the crazy financial markets of the past decade, most boomers feel that a storybook retirement is no longer possible. Having suffered huge losses in the stock market, they've withdrawn all their money, waved the white flag and are thinking about moving all their investments into a CD that pays less than one percent interest. This approach is crazy, and as advisors, we cannot let this happen. Our industry was built for markets like the one we are in now. We have simple solutions to today's most complex retirement challenges. With our help, boomers and seniors can still have the retirement of their dreams... Read Article
 

The New Retirement - Of Advice and Guarantees
Tom explains how annuities work, when to use them and what questions to ask before you buy... Listen to Interview
 
TheWealthChannelTV
Living too Long, Dying too Soon

 
TheWealthChannelTV
What You Don't Know Could Cost You

 

Three Simple Life Insurance Client Discussions for Times Like These
Tom discusses three key issues to discuss with clients that go beyond the typical arguments in favor of life insurance... Read Article
 

Running Out of Money
Tom shows how lifetime income annuities and portfolio optimization are the keys to protecting against longevity risk... Read Article
 

Annuities Timeline
The history of annuities from Tom's book Paychecks and Playchecks is discussed. Read Article
 
Your Financial Plan with Wayne Kandas - Money Radio 1510
Tom Hegna joins host Wayne Kandas to discuss his book. He provides an overview of the risks retirees face as well as how annuities can help manage or eliminate those risks... Listen to Interview
 
Tom Hegna discusses why life insurance products were built for times like these
Tom gives you the tax and other benefits of life insurance products and why they are a good fit for clients in today's economic environment...

 
 
The 3 Primary Variable Annuity Objections and How to Handle Them
Producers eSource
As with any financial investment, variable annuities do have their detractors. Most likely your client's hesitation is due to one of three main objections to variable annuities... Read Article
 
Are You Optimizing Your Client's Portfolio?
LifeHealthPro
Book review by Daniel Williams, March 8, 2012
What happened to happily ever after? That's the question posed by industry expert Tom Hegna in his new book, Paychecks and Playchecks. As Hegna explains, "with the crazy financial markets of the last decade, most people feel that a story-book retirement is no longer possible."
Hegna says it doesn't have to be that way. Even though we live in uncertain times, there are guaranteed income streams that advisors can point out to their clients and prospects. I recommend this book to advisors for its sound, practical advice... Read Article
 
Tom Hegna Pens Helpful Book
Fountain Hills Times
Book review by Bob Burns, January 4, 2012
With the crazy financial markets of the last decade, most people feel that a storybook retirement is no longer possible.
Here to offer a fresh perspective, retirement expert, speaker and author Tom Hegna of Fountain Hills announced the release of his new book Paychecks and Playchecks: Retirement Solutions For Life (Acanthus Publishing, 2011), a simple, fact-based guide to a successful retirement... Read Article
 
Small Business Advocate Radio Show - As heard on Forbes.com
How long will Boomers have to work? Tom Hegna joins Jim Blasingame to identify some options for improving Baby Boomers' retirement picture, including lifetime-income annuities. Tom also discusses the importance of long-term care insurance... Listen to Part 1  Listen to Part 2
 
What's Your Plan: Raising the Issue of Long-Term Care
Producers eSource
Let me make this clear: no retirement plan is complete without a plan for long-term care. Yet, for many seniors it is the only thing they have not planned for that could completely wipe out their entire life’s savings. This is a discussion you're going to need to have with your clients. The next major set of lawsuits in our industry are going to come from families suing the parents’ financial advisors for not protecting the family from the financial devastation of long-term care... Read Article
 
Small Business Advocate Radio Show - As heard on Forbes.com
Would you like to have a "playcheck" when you retire? Tom Hegna joins Jim Blasingame to discuss retirement planning and why a variable annuity should be part of your retirement goals... Listen to Part 1  Listen to Part 2
 
TheWealthChannelTV
Steve Tarr speaks with Tom Hegna about finding simple solutions for retirement planning...

 
Tom Hegna Open For Business
Former NY Life First Vice President Ready To Fire Up The Insurance Industry - TDH Financial Enterprises LLC is excited to announce that Tom Hegna of TomHegna.com is officially open for business. After 15 years of service with NY Life, Tom is leaving his post as a First Vice President and is now available to all financial advisors and insurance companies... Read Press Release
 

MDRT Power Center Catalog
Tom's presentation "Paychecks and Playchecks" was featured in the 2010-2011 MDRT Power Center Catalog. Download Catalog
 

Built for Markets Like This
Tom writes about how annuities and life insurance were built for uncertain times like these. Read Article
 

Providing Guaranteed Income
Tom's Main Platform speech about annuities and lifetime income is profiled in Round The Table, the official publication of the MDRT. Read Article
 

Boomertirement® Road Shows
Tom spoke at a series of Boomertirement® Road Shows, half-day seminars for financial advisors in Dallas, Washington, D.C., Chicago, Los Angeles and New York City, hosted by the Partnership for Retirement Education and Planning (PREP) to provide tools and encouragement for professionals assisting Boomers. More Info
 

Sales Ideas on Guaranteed Lifetime Income
Tom discusses some great ideas for anyone explaining the benefits of guaranteed lifetime annuities to their current and prospective clients on The Wealth Channel. Read Article
 

In Defense Of Annuities
Tom was quoted on Forbes.com about annuities as compared with other investments. The article takes on critics of annuities and one-sided reporting on investment issues. Read Article