Recorded Course
Cloke-Hegna Recorded Training
Three full training sessions with Tom Hegna and Curtis Cloke, recorded live in 2021: how clients build wealth, protect it, and turn it into retirement income.
The kindergarten teacher and the PhD
That is how Tom describes this pairing: Tom brings the simple stories and questions that open the client conversation, and Curtis Cloke brings the deep product and tax mechanics behind them. Together these sessions expand Tom's Who Wants to Be a Millionaire talk into a full program for advisors: how clients build wealth, how they protect it, and how they turn it into income that cannot be outlived.
The Three Sessions
- 1Who Wants to Be a Millionaire: Building Wealth2 hours 3 min
- 2Who Wants to Stay a Millionaire: Protecting Wealth1 hour 57 min
- 3Live and Give Like a Millionaire: Distributing Wealth1 hour 58 min
What You'll Learn
Promise-based versus risk-based income: the client vocabulary Curtis Cloke built his practice on.
Mortality credits, and how to answer the client who says they hate annuities.
An annuity taxonomy: which varieties carry fees and which do not, how their taxation differs, MYGAs versus CDs, SPIAs, DIAs, and QLACs.
Social Security timing, including the tax and yield dimensions of delaying that most advisors never model.
The long-term care funding hierarchy: what Medicare actually pays, the Medicaid look-back, and the rider strategies in between.
Protecting wealth before distributing it: umbrella liability, disability definitions, and the employee benefits most households leave on the table.
Housing wealth: the HECM line of credit as a retirement planning tool, not a last resort.
Tom's 7 Simple Steps and the go-go, slow-go, no-go phases of retirement spending.
“All annuities are good and all annuities are bad. The key is knowing when and how each of these tools should be used.”
Curtis Cloke, Session 2
Everything Included
Three full recorded training sessions
About six hours with Tom Hegna and Curtis Cloke, recorded live in August 2021 and streamed in your Tom Hegna account. Full-length sessions, not highlight cuts.
Who Wants to Be a Millionaire? audiobook
Tom's book on helping clients build guaranteed retirement income, as an MP3 audiobook download.
Yours to keep
One payment. No subscription, no renewal. The training stays in your account.
Cloke-Hegna Recorded Training
One payment, yours to keep
What Happens After You Order
Complete your order
One payment of $500. Your access is created automatically from your purchase email.
Sign in and start watching
Go to tomhegna.com, open the Member menu, and choose My Account. Enter your purchase email and we send you a one-time sign-in code. The training is under Courses.
Download the audiobook
The Who Wants to Be a Millionaire audiobook is on the course page and in your Downloads, ready whenever you are.