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f you go to 50 different financial advisors, you will get 50 different "opinions." Instead of offering you my opinion of "best interest," math and science shows one optimal way to retire. Nobody can agree on what is "best," but what optimal means is this. It will be the best more often than anything else will be the best, and it’ll never be the worst. It took me years of studying and training to be able to share this message. I shared some of that experience with Mark Miletello on his podcast, "Where the Insurance Pros Meet."

Here are some of the highlights:

The importance of training and coaching

" [If] you want to be the best in the business, you’ve got to train a little bit every single day..."

The DOL debate about the Fiduciary Standard

"My question to [fiduciaries] is how can you be doing what’s in the best interest of your clients if you’re not using annuities, life insurance, and long-term care?"

Five opinions of "best," but only one optimal way

"How could five different people give five different solutions if this is in my best interest?" On the podcast, I talk about a debate I did where I proposed a "fiduciary process" rather than just beating up my opponent or trashing the DOL rule.

Look, I’m trying to help 78 million baby boomers. I can’t get to all of them, but I can get to a bunch of advisors and try to help them help their clients. Spread the word before retirees run out of money in retirement.

"Best" wishes,
-Tom Hegna