# Tom Hegna

> Retirement expert, economist, and bestselling author helping financial professionals master the math and science of retirement income. On-demand training, webinars, and speaking for the insurance and financial services industry.

Tom Hegna is a retired Lt. Colonel, economist, and author who has delivered over 5,000 seminars and workshops to financial professionals. He has been featured on CNN, Forbes, The New York Times, Fox Business, Wall Street Journal, PBS, and Yahoo Finance. He is the author of several bestselling books including "Don't Worry, Retire Happy!", "Paychecks and Playchecks", "Retirement Income Masters", and "Who Wants to Be a Millionaire?"

His core message: the math and science of retirement income proves that guaranteed lifetime income through annuities and life insurance produces better retirement outcomes. He teaches financial advisors and insurance agents how to communicate these concepts using simple stories and analogies.

## Training

- [Tom Hegna On Demand](/on-demand): Subscription-based training platform with daily coaching, objection handling (100+ scenarios), client education portal (Retire Happy U), and weekly live sessions. Monthly, annual, and lifetime plans available.
- [Recorded Courses](/courses): Tom Hegna's recorded video courses, one payment with lifetime streaming access
- [70 in 70: Writing 70 Life Apps in 70 Days](/courses/70in70): Recorded 14-lesson course ($500) by Tom Hegna and sales trainer Ann Cohen on making life insurance part of every client conversation, with course workbook and 5 additional team logins
- [Cloke-Hegna Recorded Training](/courses/cloke-hegna): Three full recorded training sessions ($500) with Tom Hegna and Curtis Cloke on building, protecting, and distributing wealth in retirement, with the Who Wants to Be a Millionaire audiobook
- [Free Webinars](/webinars): Automated evergreen webinar presentations on retirement planning topics for financial professionals
- [Free Training Videos](/free-training-videos): Complimentary video lessons covering retirement income fundamentals

## Webinars

- [3 Pillars of Selling Life Insurance](/lifeinsurancewebinar): Framework for presenting life insurance using mortality credits and math
- [7 Simple Steps and Stories That Sell](/storieswebinar): Don't Worry, Retire Happy methodology for client conversations
- [Help Your Clients Become Millionaires](/millionaire): The Millionaire Maker strategy for building retirement income
- [Questions and Handling Objections](/objectionswebinar): Over 100 objection-handling techniques from 30+ years of experience
- [Canadian Financial Professionals](/cawebinar): 7 Simple Steps adapted for the Canadian market

## About

- [About Tom Hegna](/about-tom-hegna): Full biography, credentials, media appearances, and professional background
- [Speaking](/speaking): Book Tom for conferences, MDRT events, seminars, and corporate presentations
- [Custom Books](/custom-books): Co-branded personalized books with your name and photo on the cover

## Products

- [Shopify Store](https://qed1rv-yc.myshopify.com/): Books, MP3 audiobooks, seminar slide decks, the Advisor Playbook, and training materials

## Resources

- [Social Security Calculator](/sscalculator): Interactive tool for Social Security benefit estimation
- [Free Prospecting Guide](/free-prospecting-guide): Downloadable guide for financial professionals
- [FAQ](/faqs): Common questions about products, training access, and Tom's methodology
- [Contact](/contact): Speaking inquiries, support, and general contact

## Legal

- [Terms and Conditions](/terms): Terms of service
- [Privacy Policy](/privacy-policy): Data handling and privacy practices
- [Return Policy](/return-policy): Refund and return information

## Optional

- [Member Login](/account): Customer account for existing members - courses, On-Demand, downloads, orders, and billing in one login