Retirement Planning Services Frankenmuth MI

Retire Happy

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!

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 
Andrew M

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