INTERACTIVE ONLINE TRAINING and COACHING
for FINANCIAL PROFESSIONALS
Start each day by expanding your mind, staying motivated and sharpening your skills.
I’ve made it fast and easy to have the best information at the tip of your fingers.
Learn and practice the words, language stories and questions to communicate and sell complex financial instruments to the clients who need them the most. Real time solutions to handle every objection, close every case.
Prepare for specific client meetings and cases with Coach Tom Hegna, and get set up every week to sell the best insurance and annuities programs for your clients so you can help them retire happy.
Private member access where prospects and clients can go to understand the latest math and science for using life insurance, annuities and long term care insurance in their retirement planning to create an optimal portfolio.
Who’s educating your clients every day on life insurance, annuities, long term care, retirement planning and setting them up for success? Probably not who we want it to be. It’s probably the media, and our clients are probably getting the wrong information.
Differentiate your practice with special client focused Retire Happy curriculum. Here your prospects and clients can learn the facts of retirement from an independent 3rd party. Information based in math and science, not opinion, that shows them why they need life insurance, annuities and long term care so they can take key risks off the table in retirement.
Stand out from your competition and provide unique value. Financial professionals subscribed to Tom Hegna On Demand gain the ability to provision private member access for their best prospects and clients to Retire Happy U. Choose who gets access, manage your private members, and use our in depth analytics to gain insight into what your prospects are interested in.
Click here to watch a demonstration video, and then sign up for an exclusive membership to Tom Hegna On Demand, educate your clients, and differentiate your practice.
It’s all here: Training to help you with your skills. Coaching for pre-meeting preparation. Education for your clients. Tracking and analytics to gain the intelligence you need to win.
There are optimal ways to communicate, educate, overcome objections, close, sell and write policies. These aren’t just idea’s. These skills, techniques and methods have been carefully curated from the very best and put to the test. They are based on actual real world experiences, thousands of transactions, and backed by math and science.
1. Retirement Risks in the 21st Century
2. Inflation Risk
3. Deflation risk
4. Market Risk
5. Order of Returns Risk
6. Risks of Long Term Care
7. Longevity Risk
8. Taxation Risk
9. Withdrawal Rate risk
1. Turn a Death benefit into Guaranteed lifetime Income
1. Facts About Retirement
2. Economic Overview
3. The "Happy Factor"
4. Retirement Alpha
5. CD Alternative
6. Cash Cow
7. North West Quadrant - Morningstar Scatterplot
8. NUA Net Unappreciated Assets and Its Affect with Annuities
1. Life Insurance Objections
2. Lifetime Income Annuities Objections and How to Handle
3. Variable Annuities Objections and How to Handle
4. +Over 75 More Closes and Objection Handling Techniques
1. Mortality Credits
2. Life Insurance
3. Term Life Insurance
4. Permanent Life Insurance
5. Whole Life Insurance
6. Life Insurance as an Asset
7. Human Capital
8. Grandparent and Grandchild Legacy Using Life Insurance
9. Maximizing Charitable Giving using Life Insurance
10. Simple Life Insurance Discussions
11. Cash Cow
12. Business Owner Investment Affects
13. 3 Simple Life Insurance Ideas
14. Human Life Value
15. Mortality Credits from the Life Perspective
16. Questions for Business Owners
17. Questions for Wealthy Clients
18. Simple Solutions using the 2nd to Die Policy
1. The Importance of Long Term Care
2. Risks of Long Term Care
3. Medicare and Medicaid
4. Long Term Care - The Million Dollar Problem
1. Annuities Intro
2. Fixed Period Annuities
3. Lifetime Income Annuities
4. Lifetime Income Annuities Payout Rate Vs Interest Rates
5. Mortality Credits
6. Deferred Income Annuities
7. Longevity Insurance
8. The "Happy Factor"
9. Fixed Index Annuities
10. Variable Annuities Overview
11. Retirement Alpha
12. Deferred Annuity Welcome Video
13. Happy Factor
1. Estate Planning
2. Estate Planning Failures
3. Covering Final Expenses
4. Maximize a Legacy with Estate Taxes
5. Maximize a Legacy with NO Estate Taxes
6. How to Leave Individual Retirement Account Tax Free to Your Children
7. Sell UP to the Estate Tax Level
1. Disability Insurance
2. Medicare and Medicaid
3. Social Security Overview
4. Social Security Strategies
5. Social Security Taxation
6. Required Minimum Distribution Maximization
7. Required Minimum Distribution to Pay for Live and LTC
8. Required Minimum Distribution Compression
9. Protecting Social Security Benefits
10. 529 Plans - Child's Education
11. LGBT
1. Planning
2. Strategies
3. Solutions
4. Role of the Advisors
1. Lifetime Income Annuities Features
2. Lifetime Income Annuities Objections and How to Handle
3. Lifetime Income Annuities Math and Science
4. Fixed Deferred Annuities
5. Variable Annuities Features
6. Variable Annuities Guaranteed Living Benefits
7. Variable Annuities and Fees
8. Variable Annuities Objections and How to Handle
9. Marketing
10. Prospecting
11. Required Minimum Distribution Maximization
12. Required Minimum Distribution Maximization to Pay for Life and LTC
13. Required Minimum Distribution Compression
14. VBear Market Recovery
15. CD Alternative
16. Grandparent and Grandchild Legacy
17. Cost of Waiting
18. Sytematic Withdawals versus Lifetime Income Annuties
19. NUA - Net Unappreciated Assets and Its Affect with Annuities
20. Lifetime Income Annuity Sales Strategies Grandparent/Grandchild legacy
21. Lifetime Income Annuity Sales Strategies RMD Compression
22. QLACS
1. Introduction to Creating a Plan
2. Planning for Retirement
3. The Importance of Working With a Financial Professional
4. Graduation
1. Introduction to Social Security Benefits
2. Social Security Basics
3. Social Security Strategies
4. Working in Retirement, Income Taxes, and Social Security Benefits
5. Graduation
1. Introduction to Hybrid Retirement
2. Major Drawbacks to Working in Retirement
3. Reasons Retirees Work in Retirement
1. Introduction to Protecting Your Savings
2. Basics On How to Protect Your Savings From Inflation
3. The Bottom Line on Inflation
1. Introduction to Securing Guarnteed Lifetime Income
2. Secure Guaranteed Lifetime Income
3. Understanding Accumulation vs. Distribution
4. Learn More About Annuities!
5. Bottom Line on Securing Guaranteed Lifetime Income
1. Introduction to Long Term Care
2. Basic Facts On LTCi
3. Risks of LTC
4. The 'Other' Cost of LTC
5. Recapping The Importance Of Long Term Care
1. Introduction to Using Home Equity Wisely
2. Home Equity Basics
3. Strategies For Using Your Home Equity Wisely
4. Case Study
5. Graduation
1. Some Extra Tips For Late Savers
2. Retirement Planning For Non Traditional Couples
3. Special Retirement Planning Tips For Women
4. Utilizing Longevity Credits For Retirement Income
5. Practical Uses Of Life Insurance In Retirement
1. What if I Make The Wrong Choice? Part 1
2. What if I Make The Wrong Choice? Part 2
3. I Don't Wanna Mess This Up
4. I Will Worry About It Later Part 1
5. I Will Worry About It Later Part 2
6. I Don't Need That
7. I Am Not Worried Right Now Part 1
8. I Am Not Worried Right Now Part 2
9. I Don't Know What To Do
10. I Am Just Going To Kill Myself Anyways
11. I Am Too Old
12. My Risk Tolerance Is Too Low
13. My Risk Tolerance Is Too High
14. How Do I Know That You Are The Right Advisor?
15. What If Rates Change?
16. I Don't Understand The Value
17. Money Conversations Make Me Nervous
18. I Think The Market Will Go Up
19. I Don't Trust Small Business
20. I Don't Trust Big Companies
21. You Are Being Too Pushy
22. Your Website Is Outdated & You Look Unprofessional
23. I Only Believe In Guarantees
24. It Sounds Too Good To Be True
25. I Am Moving To A Different State Or Country
26. I Am Moving And Don't Think This Will Work In My New State
27. I Am Going To Die Young
28. I Am Scared My Policy Will Change Later
29. I've Heard Annuities Are Bad Part 1
30. I've Heard Annuities Are Bad Part 2
31. I Can't Afford An Annuity
32. I Hate Annuities Part 1
33. I Hate Annuities Part 2
34. I Hate Annuities Part 3
35. I Hate Annuities Part 4
36. I Need To Think About It & Consider The Annuity
37. I'm Too Young For An Annuity
38. I Don't Want To Lose My Liquidity By Purchasing An Annuity
39. I Have Other Advisors
40. I Already Have Existing Investments Part 1
41. I Already Have Existing Investments Part 2
42. I Already Have Enough Money Saved
43. My Money Is Tied Up With A Major Purchase
44. I Am Waiting For Taxes To Go Down
45. I Am Going To Invest In The Market
46. I Want To Own A Business Instead
47. I Have A Rich Family Member
48. My Home Has A Lot Of Equity Part 1
49. My Home Has A Lot Of Equity Part 2
50. I Prefer Gold & Precious Metals
51. I Prefer To Stock Up On Supplies Like Guns & Ammo
52. I Prefer Real Estate
53. I Already Have A Pension
54. I Already Have A 401K & IRA
55. I Am Going To Use My Military Pension
56. I Need To Research This/Do The Homework Part 1
57. I Need To Research This/Do The Homework Part 2
58. I Need To Think About It, Consider Life Insurance
59. I Need To Think About It In General
60. Just Send Me Some Information
61. I Will Research It On The Internet
62. I Handle My Own Finances
63. I Don't Have Enough Information To Decide
64. My Accountant, Banker, Broker Told Me... Part 1
65. My Accountant, Banker, Broker Told Me... Part 2
66. I Need To Discuss This With My Kids Part 1
67. I Need To Discuss This With My Kids Part 2
68. I Need To Discuss This With My Spouse Part 1
69. I Need To Discuss This With My Spouse Part 2
70. I Am Looking At Different Companies
71. I Want To Shop Around First
72. My Friend Had A Bad Experience
73. What If The Insurance Company Goes Bankrupt? Part 1
74. What If The Insurance Company Goes Bankrupt? Part 2
75. I Can't Afford Life Insurance
76. What If The Insurance Company Isn't Around Later?
77. I Don't Trust Insurance Companies Part 1
78. I Don't Trust Insurance Companies Part 2
79. I Don't Trust Insurance Companies Part 3
80. I Already Have A Policy At My/Our Job
81. I Already Have A Policy With Another Carrier
82. I Already Have Term Life Insurance
83. It's Too Late For Me To Buy Life Insurance
84. I'm Too Young For Life Insurance Part 1
85. I'm Too Young For Life Insurance Part 2
86. I Am Too Healthy For Life Insurance
87. I Can't Afford Long-Term Care
88. It's Too Late For Me To Buy Long-Term Care
89. I Will Rely On Medicare
90. I Can't Afford The Appointment
91. I Keep All My Money In Cash
92. I Lost My Money In Another Broker
93. I Lost My Money In Another Product
94. I Can't Save That Much
95. I Won't Be Buying Anything Today
96. It's Too Late For Me/Us To Save/Not Enough Savings
97. I Am Going Through A Divorce & Cant Touch My Money
98. I Don't Have Any Money
99. I Haven't Saved Anything
100. My Assets Are Frozen
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