August 2015


Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
Cyndi Stern
-Ideas & Tips

  • Hello ,
  • How are you planning to have a strong 4th Quarter? We have 2 workshops at Eschels Financial Group  in the coming weeks:

  •     Protective Life Insurance and Annuity Workshop with Ross Evans, Regional Vice President,  on Thursday, September 24th 10am-11am. September is Life Insurance Awareness Month and Protective can solve not only the legacy and life insurance needs for families and businesses but also has a very strong accumulation plus retirement income plan for clients as the years approaching retirement lend themselves to safety and guarantees.
  •       Life of the SouthWest and National Life Group  with Duane Hettlinger, Regional Vice President, and Patrick Ray, Life Insurance Key Account Specialist will make their first visit to Eschels Financial Group on Thursday Oct 1, 2015 from 10am-11am.  For that client  wanting to begin putting money away for their future and for those recognizing the importance of an income for life, LSW and National Life Group solves those problems.
  • Please call our office at 248-644-1144 to reserve your seats.  Remember there is 2 hour metered parking on the west side of Old Woodward Ave across the street from our office and the parking garage on Bowers Street by the Triple Nickel  Restaurant. We will have a light breakfast served at 9:45.
  • Eschels Financial Group’s website has a brand new fresh look. Easier to find what you need, quotes, contracting, upcoming events and ideas to grow your practice. Check it out:
Eschels Financial

A Solution 70% Will Need

Over 70 percent of people over age 65 will need some form of elder care. With life expectancies increasing and health care costs rising, its never been more important to consider the planning options available to you to help protect your lifestyle and independence and help avoid becoming a financial and lifestyle imposition on children and loved ones. 

The national average median cost of elder care services is $83,950, according to a Genworth survey conducted in 2013. And this issue has an even greater impact on women. They more frequently fulfill the role of caregiver to aging parents, and because they have greater life expectancy, they themselves typically need care longer: 3.7 years, compared to 2.2 years for men. 

The best planning options and rates are available when a person is healthy, so it’s important to consider your options now, before you or a loved one need elder care. I’ll be reaching out to discuss your options with you in the near future, and in the interim I’ve included a link to an educational video about one broad type of elder care insurance I think you may be interested in.

Please call or email if there’s anything at all I can help you with. 

Elder Care Video

Do You Have a Video Library for Your Clients?

Talk with us about your next case; we can prepare ideas and show you a new solution not considered before or in a long time. Do you have a consultant behind the scenes offering the in depth, as needed, partnership for life insurance and annuities in your practice? You do now! Call us!

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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