Tom Hegna: Don't Worry, Retire Happy! (From the Vault)

In this insightful replay, Stan The Annuity Man sits down with Tom Hegna — renowned retirement income expert, economist, and best-selling author — to talk about why retirement is not a do-it-yourself project and how guaranteed lifetime income fits into a successful retirement plan. They discuss: Why most people shouldn’t “DIY” their retirement plan How to think about the right age to retire The role annuities can play in managing inflation risk Why guaranteed lifetime income provides stability and peace of mind Highlights: Retirement is not a DIY project. Just like you wouldn’t perform surgery on yourself, you shouldn’t try to build a retirement income plan alone. Work with a professional who truly understands retirement math. There is no universal “right” retirement age. The optimal timing depends on multiple factors — income needs, savings, health, longevity expectations, and personal goals. Creativity matters in retirement planning. Sometimes that means delaying retirement, working a little longer, or adding a side-hustle so your plan truly works. Having a large portion of your income guaranteed for life allows you to take smarter risk with the rest of your portfolio — without worrying about running out of money. Even when your account value goes to zero, the annuity company is still contractually obligated to pay your lifetime income. That’s the power of transferring risk. Quote to remember: “They found that the happiest people in retirement were those people who were surrounded by their families and friends, and had guaranteed paychecks every single month.” — Tom Hegna CONNECT WITH TOM HEGNA: Website: https://tomhegna.com/ Podcast: LinkedIn:   / tomhegna   Facebook:   / tomhegnaspeaks   Twitter:   / tomhegnaspeaks   Pinterest: https://www.pinterest.ph/retirehappynow/ Youtube:    / tomhegna   LISTEN ON ALL YOUR FAVORITE PODCAST PLATFORMS: Libsyn: https://directory.libsyn.com/shows/vi... Stitcher: https://www.stitcher.com/podcast/nice... Apple: https://podcasts.apple.com/us/podcast... Google: https://podcasts.google.com/feed/aHR0... Amazon: https://music.amazon.com/podcasts/11f... Spotify: https://open.spotify.com/show/26y3c7v... CONNECT WITH STAN  Call Stan The Annuity Man: 800-509-6473 Website: http://theannuityman.com/  Email: [email protected]  Facebook:   / stantheannuityman   Twitter:   / stanannuityman   TikTok:   / theannuityman   Instagram:   / theannuityman   Use the Calculators - https://www.stantheannuityman.com/ann... Get The Annuity Man's Books - https://www.stantheannuityman.com/how... Schedule a time to talk to Stan - https://www.stantheannuityman.com/boo... FUN WITH ANNUITIES (r)