Retirement Planning Services Frankenmuth MI
Longevity Risk and what to use to combat it.
How Does a Lifetime Income Annuity Work?
Guaranteed Income During Retirement to “Retire Happy”
Great Video!!! 2019 Economic Commentary
Addressing Consumer’s Objections to Annuities
Tom Hegna’s Success Story
John Sr. was a very successful rancher in Colorado. He was worth around $15 million. The financial professional who brought me was recommending a $7 million permanent life insurance policy to pay the estate taxes. John said, ‘Heck, I’m loaded – I’m worth $15 million, I don’t need any life insurance! In fact, if I had one more penny to my name, the last place I’d put it would be life insurance. I think you are just trying to make a commission.’
This is a very common objection from wealthy people; I smiled because I knew it was coming. I just leaned forward, looked John in the eyes, and said, ‘John, let me be the first to agree with you. You are worth a lot of money, and you are correct – you don’t need any life insurance in the traditional sense of life insurance. What you DO need is a way to transfer your wealth to your children and grandchildren in the most tax-efficient manner possible.
See, if we could transfer your wealth with real estate, stocks, bonds, CDs, or Coca Cola cans, we would. But, the tax code clearly favors life insurance. There is no more efficient way to transfer wealth to your heirs than life insurance. And John, that is not an opinion. That is a mathematical, scientific, and economic fact.’ John was still unconvinced. The financial professional reached into his bag, and took out four plastic cows from a kid’s farming set. He set the four plastic cows on the table. He said, ‘John, these are your cash cows. This one represents all of your land. This one represents all of your buildings. This one represents all of your farm equipment and this one represents all of your investments. When you die, the IRS is going to come to the farm and butcher two of these cows. They will butcher those two cows and keep all of the meat.
But it doesn’t have to be that way. If we just took a little milk from each of the cows, then we could buy a life insurance policy that will pay the IRS when you die, allowing you all of your cash cows to go to your family. John, the choice is yours. One of those two this IS going to happen. YOU get to decide which one.’ John’s eyes lit up, and he said ‘Well heck, every rancher knows it’s better to give up a little milk than to butcher two good cows!’ He got it!”
The Conzelmann Agency wants to help you “Retire Happy” with the help and incredible knowledge from Tom Hegna, “A renowned international economist, author, and speaker”, who “has written three books, including the best-selling Paychecks and Playchecks: Retirement Solutions for Life. He has worked in the retirement planning industry for over 30 years. His passion and success for retirement planning and public speaking have led him to be recognize as one of the top speakers in the world by National Speakers Association. He has served over 22 years in the US Army and US Army Reserve retiring in 2006 as Lieutenant Colonel with numerous awards and decorations.” By using Tom’s “Seven Steps to Retirement Security” we will guide you to a straightforward retirement plan during our uncertain times.
Our goal is to help you avoid the “just-in-case retirement” and enjoy the fruits of your labor. It does not matter if you are a late starter or you have a significant amount of savings, we want to plan how to make the most for the least with the smallest amount of risk. The seven steps to retire happy are:
- Step 1: What is your Plan?
- Step 2: Maximize your Social Security Benefits
- Step 3: Explore a Hybrid Retirement
- Step 4: Protect Your Savings from Inflation
- Step 5: Secure More Guaranteed Lifetime Income
- Step 6: You Must Have a Plan for Long-Term Care
- Step 7: Use Home Equity Wisely
If you feel as though you’ve started late we have suggestions for you as well. Women don’t feel as though this is just a man’s world. Women face more financial risks then men do and we want to provide a solution for your specific needs. Anyone is able to benefit from our approach to “Retire Happy”, call us today to schedule your first step to Retiring Happy!
My husband and I didn’t lose a penny in the financial crisis thanks to Gary and his two sons. They are all experts in the investment industry and they take you along with them every step of the way. When Gary moves his money, we move our money. He plays if safe, and we play it safe.Using the “Safe Growth Strategy”, it was awesome to get that phone call during the long financial meltdown and to hear Gary say we didn’t lose anything, but we were going to make a few adjustments. That was a good day.
There are many things that need to be thought of when starting a business, one of the main things is how to provide health insurance for employees and their families. When we started learning about the maze of options and seeing the cost, we quickly realized we needed a professional to help us get the right plan for our needs.We sought out a health insurance professional agent and found Gary, Eric, and Karl Conzelmann. Karl asked us many questions about what we needed, how we wanted to be covered and what our budget was and found the right plan for us. The coverage options and price point he provided through US Health and Life were exactly what we were looking for and it was very refreshing to work with a competent, knowledgeable individual to simplify the maze we tried to deal with ourselves.
I have known the Conzelmans for a long time. They are knowledgable about insurance and care about helping people get what really fits their needs. I have recommended The Conzelmann Agency for the services they provide and will continue to do so.
We went to a few appointments to learn more about the “Safe Growth Strategy” and gained a lot of information about the idea of investing without losing a dime.Our meetings were very fruitful and gave us a better understanding of the retirement planning we needed. Looking back on it all, we really put them through their paces! They were always very patient, they were there with the answers, and they gave us food for thought all the time. We would go back home and mull it all over and discuss, discuss, discuss. They never pushed us for a decision; they just let us proceed at our own rate.Finally, we decided to take the leap and we have not been sorry one minute that we did it, only sorry that we didn’t do it sooner. Our financial situation is better than it ever could have been had we not chosen this plan.Gary is a good family man, and is very honest and certainly trustworthy. He has become a good friend and is always there for us whenever we feel a need to talk to him.We are looking forward to a very financially secure retirement thanks to the Conzelmann Agency and their “Safe Growth Strategy”.
I wanted to make changes to my financial investments and heard about Gary, Eric, and Karl through a friend. I was so satisfied with Eric’s investment strategies and results that I pointed my daughter in his direction. I wanted my daughter’s future to be as lucrative as possible and Eric is making that happen.He is always available when I need to talk to him, and he treats me not as a client but as a good friend. The Conzelmann Agency has literally saved our lives — financially.
After having been self-employed for over 16 year, I always wondered what would happen if I were unable to work due to sickness or cancer and didn’t really worry too much about it until recently, specifically when I purchased a property.I have been doing business with the Conzelmann’s for numerous years. At the beginning, I was not knowledgeable about the insurance industry whatsoever. When I met Gary, Eric, and Karl, they were able to explain my various options in a very precise and understandable matter.I found them all to be extremely knowledgeable with all their products, and were very thorough and patient. The Conzelmann’s deal with over 15 companies so I felt that I was provided with so many choices and was able to get the best value. I did speak with another agent who dealt with only 2 or 3 companies and the difference was that the Conzelmann’s work for those companies, too, but they also offered unbiased advice relative to those companies. They truly never pushed one particular company. It was clear that I wanted to work with the Conzelmann’s and I continue to do so.I found the trio to be honest, patient and well read with all of their products and I would have no problem recommending them to my friends and family and in fact, have done so already! Thanks for making the difficult world of insurance seem easy.
You are the smartest people in Saginaw County when it comes to Health Care. Not only do you sell the product you educated me and I feel confident in my decisions.
The Conzelmanns and I (and our service staffs) work together frequently to provide our clients a variety of competitive insurance products, options and information to help them make informed decisions, with ongoing service and support. Our clients benefit from this combined knowledge, experience, and product variety. We are client focused and referral based.
I hired Karl to evaluate my retirement plans as a young professional and recommend investing strategies that were flexible and conservative in conjunction with my 401k. Karl thorough work helped him understand my financial needs and wants which made me very comfortable to invest with him.Top qualities: Personable, Expert, High Integrity
I have worked with Karl, his dad and his brother at Conzelman Insurance and Financial services for many years. We have numerous mutual clients and they serve their clients with a high degree of professionalism and expertise. I recommend them without reservation.
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