Retirement Alpha: 3 Surprising Ways Mortality Credits are Improving Retirement Outcomes

Wed, Sept 29 11am-1pm PDT / 2pm-3pm EDT

Presented by Tom Hegna, CLU, ChFC, CASL

Retirement Alpha really focuses on WHY an annuity is so important to a retirement portfolio for at least a portion of the retirement portfolio.  Tom shows how this is based in math and science, not opinions.  Back in the 1960’s, Dr. Menahem Yaari proved that only a lifetime income annuity can optimize income over the indefinite period of a human life.  Also, by using life insurance to go to family and charity, it enables you to spend much more of your money on your own retirement.  This is because you get life insurance for pennies on the dollar.  Economists around the world, to include Nobel prize recipients (like Dr. Robert C. Merton) are unanimous on the importance of annuities in a retirement portfolio.  The only real discussion is on what type of annuity and when to buy one.  Guaranteed Lifetime Income also increases happiness in retirement and research now shows that people who have guaranteed lifetime income tend to live longer as well.

Learning Objectives

•             Why Income is more important than assets in retirement

•             Why Risk Management is so important in retirement

•             Understanding that longevity is not just a risk, it is a risk multiplier

•             How mortality credits are the “secret sauce” of lifetime income – use “Other People’s Money”

•             Why Women face more risks in retirement than men

•             What does the Media say about Guaranteed Lifetime Income? 

About the Speaker:

Tom Hegna CLU, ChFC, CASL, is an author, speaker, and economist. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert! As a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars, helping Baby Boomers and seniors retire the “optimal” way. He specializes in creating simple and powerful retirement solutions based on math and science – not opinions. He has a unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand concepts.