August 2015

Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
         Cyndi Stern
     -Ideas & Tips


  • Hello ,
  • Eschels Financial Group’s website has a brand new fresh look. Easier to find what you need, quotes, contracting, up coming events and ideas to grow your practice. Check it out:
  • September is around the corner,  people heading back from vacations, school begins again and we are excited to have for the first time at Eschels Financial Group, American Equity Fixed Indexed Annuities with Whitney Gramlich, Field Marketing Specialist. Join us on Tuesday,September 15,2015 at 10am-11am ,when Whitney will  discuss ideas for not only creating that predictable retirement income that cannot be out lived, but also how to jump start a weak account that has experienced market loss.  


 A light breakfast will be available at 9:45am.  And remember: Eschels Financial Group has a new office:      555 South Old Woodward Ave Suite 755 Birmingham, Michigan. Parking is available in the front of the building (with 2 hour meter parking)
Please reserve your seat here:

Looking for our other events in the Fall?
·         Protective Life and Annuities with  Ross Evans and Andy West on Thursday, September 24, 2015 at 10am-11am: Both life insurance and annuities together.
·         Life of the Southwest/National Life Group with Duane Hettlinger and Patrick Ray onThursday, October 1, 2015 at 10am-11amLSW and National Life’s first visit to Eschels presenting both life insurance and fixed indexed annuity ideas!


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.

Can we protect a client from loss in a Long Term Care situation without a traditional Long Term Care policy? Yes! Let’s talk about One America.  These are a few of our favorite sound-bites:

· “These solutions will not make you rich, they are meant to keep you from being poor I say this several times every day because it is quite natural for a client and advisor to focus on the cash value growth.  It is a good thing that we use interest-sensitive whole life contracts that guarantee a cash value growth, that is not the sole purpose.  The sole purpose is to leverage the dollar and continue the benefit if they have a long-term care need.

·Not only is this portfolio protection for the client, it is portfolio protection for the advisor  This is an important point to make.  For many advisors, their  business has been built on building client wealth, but many have failed to protect it.  Also, with Baby Boomers entering into the years where they will begin to need care, many will spend hundreds of thousands of dollars out of accounts advisors manage.

·Why pay retail dollar when you can buy it on clearance  This applies to the clients that would self pay.  Usually, they feel they have plenty of money, so why buy insurance?  This shows them the power of leveraging.  Don’t pay retail – dollar for dollar….get a discounted dollar!  If they wouldn’t self pay for cancer, or a heart condition, why would they self pay for Alzheimer’s?

· It’s sort of like having a joint IRA, which of course you can’t do  This is to show the benefit of using Asset Care III.  Covering both spouses with one’s retirement dollars is a huge advantage!

·Your competition isn’t another advisor, your competition are nursing homes. They will easily take hundreds of thousands of dollars away from you and they won’t have to try.  I usually end meetings explaining this because the investment world is changing because Boomers have gone through the “accumulation phase” and they are entering the “distribution phase”.  It is up to the advisor to help protect the “distribution phase”.  Clients don’t know – what they don’t know….until their advisor tells them.


Eschels Financial 


As your clients prepare for and live through retirement, they face an increasingly complex set of challenges, including a sustained low interest rate environment, an uncertain future for Social Security, increased longevity and increasing costs for medical care, among other things. 

This makes the challenge of preparing for and living through retirement great, but for prepared advisors the opportunity is greater: over 10,000 Americans turn 65 every day. And they need your help making the most of their Social Security benefits, navigating medicare decisions, protecting against the risk of chronic illness and making sure they won’t outlive their retirement assets. 

Your clients and prospects are or will be looking to you for guidance.  Which is why we’ve pulled together some of the best resources our industry offers. Below you’ll find educational resources, case studies and other marketing programs you can use to set yourself apart from your peers and connect with the many clients who need your help preparing for and living through retirement.

Insights about Retirees and Retirement:

  • 61% of Baby Boomers are more scared of outliving their retirement assets than death.
  • 57% of customers expect to receive Social Security advice from their advisor, and of those, 93% would leave an advisor if they don’t receive Social Security advice
  • A formal retirement plan is the biggest factor for how confident you clients feel about their retirement security, yet only 3 of 10 have one in place
  • 4 of 10 Americans believe no matter how much they save and how they invest they will not have enough money in retirement
    • Concerns about longevity are well founded: one of every four  65 year olds will live to age 90, and one out of ten will live to age 95
  • 50% of households are at risk of having their standard of living decline in retirement


Advisor Resources:

Resources to Share with Clients:


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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