December 2015


Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
Cyndi Stern
-Ideas & Tips

  • Hello ,

  • 2015 is coming to a close and as we all reflect on the year , the successes, surprises and opportunities for change, we are reminded of  the words of Cecil B. DeMille–  “Let me tell you the secret that had led me to my goals. My strength  lies solely  in my tenacity.”   How tenacious are you in  your business?
  • Have you started your 2016 business plan yet? Let us help. Eschels Financial Group continues to be the portal for agents and advisors to expand their businesses, beginning with coaching and idea development. As this month is concluding, we cordially invite you to attend a webinar .  One America– an alternative to  Long Term Care on Thursday Dec 17th).
Registration is below
  • Eschels Financial Group will have holiday hours:  we are closed Thursday December 24th and Friday December 25th and will resume business on Monday December 28th at 8:30 am through Wednesday Dec 30th at 5pm EST. We will be closed on Thursday December 31st and Friday January 1st for the New Year and will resume business on Monday January 4th, 2016 at 8:30 am EST.  From all of us at Eschels Financial Group, we wish you the most wonderful  holiday season and 2016- thank you for your business!   
  • One America has the Long Term Care solutions for your clients with lump sums of money. The sessions are 45 minutes in length. Please note you are with Eschels Financial when registering.

Topics covered:
1)  Covering two individuals under one policy

2)  Lifetime benefits and the advantages

3)  Use of IRA, 401k, 403b to pay for LTC

4)  Guaranteed Premiums

5)  Covert NQ annuities to tax-free for LTC!

6)  Options from age 20 – 85

7)  Annual and single pay


Small businesses and their owners are a significant marketplace with a large number of planning opportunities that financial professionals can help with.


Eschels Financial Group


Business owners face a significant number of financial decisions that your non-business owner clients don’t. In addition to managing the taxes of their business, employee retirement plans, long-term care and wealth transfer decisions, business owners must also actively provide benefits aimed at retaining their top executives, preparing for the potential loss of a key employee, and making plans for how they will eventually exit and transition out of their business. 

These are all financial concerns that business owners need your help with, and you can help them address these concerns with a variety of different financial strategies, including Succession Planning, Buy-Sell arrangements, REBA plans, Estate Equalization strategies, Non-Qualified Deferred compensation plans, and Key Employee coverage. 

The need for services that someone like you can provide is great, as is the business development opportunity for those professionals as well. As of 2010, there were over 27 million small businesses in the U.S. And of those, over 5 million of them are owned by someone who’s age 55 or greater. 66% of those businesses having no succession plan and need the help of a professional advisor. Why? Only 30% of family owned business succeed in the 2nd generation, and only 15% make it to the third generation, often due to a lack of planning. 

At the links below you’ll find the best marketing pieces and strategies our insurance carriers have to offer on this subject. I encourage to take a look and begin thinking about the ways you can successfully approach this marketplace. When you’re ready to talk more, call me and I can help. 

 Small Business Facts:
  • Over 27 million small businesses in the U.S.
    • 90% are family owned
  • Over 5 million small businesses owned by someone age 55+
    • Only 30% succeed in second generation, often due to lack of planning
    • 15% succeed in third generation
    • 66% have no succession plan
Advisor Resources

Client Resources

To learn more please contact Eschels Financial today!

Cyndi Stern

Eschels Financial
Phone: (248) 644-1144

The stock market can be an uncomfortable place for some clients. 

Consider these three recent bull markets*:

  1. 1997-2000: Up 100% before declining 86%
  2. 2003-2008: Up 90% before declining 53%
  3. 2009-2014: Up 142%… where do you think the market will go from here? Now could be a great time to exercise a “correction protection” strategy for your clients by investing in the Protective Indexed Annuity II.

If you have clients nearing retirement who are concerned about another decline, ,help them exercise “correction protection” by taking their gains out of the market and investing it in the Protective Indexed Annuity II. This solution provides protected growth, opportunities for higher returns, and even offers secure retirement income with SecurePay SE, an optional withdrawal benefit.

Contact me now for more information:

Cyndi Stern – Marketing Director
Eschels Financial Group
(248) 644-1144, ext. 110

Is your client’s non-qualified annuity or qualified annuity where it needs to be?

According to Gallup’s 2009 survey of non-qualified annuity owners:

  • 81 percent surveyed intend to use their annuity as a financial resource to avoid being a financial burden on children.
  • 73 percent surveyed intent to use their annuity as an emergency fund in the case of a catastrophic illness or for nursing home care.
Make sure your clients’ annuities are aligned with their intentions.

The Pension Protection Act (PPA)allows for income tax-free withdrawals from specially designed non-qualified annuities to fund long-term care expenses, regardless of cost basis. By exchanging a current annuity for an annuity that qualifies for the PPA advantages, your clients can be matched with a vehicle that can meet their needs while providing a tax advantage. Of course, before any annuity exchange is made, all factors should be weighed to verify the client’s best interest.

To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144

• • •
Our mailing
address is
555 South Old Woodward Ave Suite 755
Birmingham, Michigan 48009



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