July 2016


Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
Cyndi Stern
-Ideas & Tips

  • Hello ,

Long Term Care- is this a topic to get excited about for most clients? Probably not….. it speaks to the realities of aging and the very real need many of us will have in the future but how can you , as their trusted advisor, introduce this conversation and also have compelling solutions as to how Long Term Care can be funded?  Begin with asking 2 questions:

  • “You may never need care, but what if you did? How would that affect your family?”

Spouses can become chronically ill under the stress of becoming the caregiver. Adult children often carry the burden as any child would feel obligated to do: leave a career and relocate a family to be closer to a parent’s home to provide care is all too common. Family dynamics and relationships become stressed as one adult child may bear the larger burden of care creating fractures and resentments in the family.  Finally, there are a number of spiritual, emotional and financial losses that arise when care of a loved one is needed, though can be prevented with some planning.

  •  “If you do need care, how will you pay for it?”

Long Term Care can be very expensive and can be paid for in several ways: government programs which require the client to spend their own assets first,  traditional long term care insurance which can be expensive, hard to qualify for and as many see it a “use it or lose it” policy and of course, self-funding. Few people are able to pay out-of-pocket, dollar for dollar for all long term care expenses. Doing so can wipe out the savings they’ve worked their entire lives to build.

So, can we make an adjustment to everything we have always thought to be true about long term care planning? Yes!  Providing long term care protection on one’s own isn’t going to win any contests. The 10 year treasury set a record low on July 5th closing at 1.3432%.  It would take 53.6 years to double your money at those rates, before calculating taxable equivalent, 85.6 years to triple your money.  Going to the stock market to get better returns?  There was a significant correction in 1987, a recession in the early 1990’s, the dot com crash in 2000, the financial meltdown in 2008.  And, how has this year been for so far?

Even a LTC event in the late 1990’s, when the market was going up 20% a year for five years, a client would have been pulling out more money than growth was replacing it with for a major event, depleting assets, income and estates quickly.

Does your client have a lump sum of money not intended for retirement income, qualified or non-qualified?

One America Asset Care or Annuity Care with a competitive rider can protect assets and income from unexpected events.

A $100,000 deposit can bring a 64 year old couple upwards of $200,000+ of tax free access for LTC protection and add the Lifetime Rider for never ending support.

Check out the available webinars in our Up coming Events section below and call us to discuss this further.  There are ways to utilize a client’s monies to provide for long term care allowing them to also benefit if they never actually need the care.  That’s exciting!

Upcoming Events


Plan now to attend
As a financial, investment, retirement, or accounting professional, long-term care planning can be challenging–specifically because it may not be the primary focus of your practice. In fact, you may even avoid it. Yet at the same time, learning about long-term care could be one of the most crucial ways to serve your clients.  A potential exposure so great, it could render all other strategies meaningless.
Join us for a free webinar and learn options available for your clients with the Care Solutions–a portfolio of asset-based LTC products that can provide tax advantages and benefits even if care is never needed.
During this webinar you will learn:

  • How certain annuities can benefit from the Pension Protection Act and provide income tax free withdrawals for LTC
  • About products that issue all the way up to age 85
  • How to use qualified money to gain long-term care benefits
  • How to speak with your clients about a negative topic (LTC) in a positive way

This learning opportunity will give you the ‘nuts and bolts’ of our products and arm you with the knowledge you need to succeed. At the same time, you will gain a level of comfort and learn how to broach this at times difficult topic with your clients.
Register today!


Webinar specificsFeatured Speaker:
Chris Huntsman,
Senior Development Wholesaler

Full Product Webinar:
– Client presentation (advisors only)
– Asset-Care (hybrid life/LTC)
– Annuity Care (hybrid fixed annuity/LTC)

Click Date/Time to Register for Webinar:
* All times Eastern
Friday, July 22nd at 11:00 AM
Friday, August 5th at 11:00 AM

For company and recruiting use only. Not for public distribution.
Products and services provided by The State Life Insurance Company, Indianapolis, Indiana.  Products not available in all states or may vary by state.

Products and financial services provided by The State Life Insurance Company
© 2010 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica® and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc.
To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144
Email: cyndi@eschelsfinancial.net

How can Fixed Indexed Annuities help clients retire on schedule?

  • Fixed annuities, with their guaranteed interest rates and guaranteed return of principal (less any withdrawals of interest or principal) can help preserve client’s assets, potentially softening the impact of a choppy stock market on their accounts.    

  • A conservative approach….. provides the client with safety of principal, tax- advantages, liquidity, and legacy planning.  

The Next Big Thing in Annuities: If you’re not talking with your clients about QLACs, expect that your competition is. Learn how big this opportunity really is!

  • It is imperative to explore all financial options for the clients- why let a client lapse or surrender a policy when determining there is an alternative. Life Settlements-  Life Insurance , like every other asset, has a Market Value.   Before your client considers letting a policy go, call us to discuss the specifics. And interestingly, all policy types are considered now for Life Settlements- even convertible term insurance.  The reality is: you will set yourself apart from other advisors and agents by educating clients on Life Settlements and the options for the unwanted/unneeded  life insurance. Clients remember you told them about an idea that others did not- and isn’t that what we want as agents and financial advisors? To be distinguished as unique, with different and compelling ideas for clients provides them with more than the average agent.


  • Are you aware within Fixed Indexed Annuities and Indexed Life Insurance there are 100% participation in the various indices up to the caps? Are you aware there are uncapped (yes uncapped) index strategies allowing the client the full index performance less a spread?  Why is any of this important? Because clients have told this industry after 2008 that they no longer can endure the wild rides with their money. They have firmly said they are aware they need some exposure to the non-guaranteed  markets, but they now also know they must be more diligent with safety, as their individual lives are uncertain and when retirement happens often is not by choice but more by circumstance.

See the attached White Paper by Allianz Life Insurance Company “Reclaiming the Future”  


The Indexed Annuity Leadership Council has a recent video, which breaks down the guaranteed lifetime withdrawal benefit that offers a predictable income in retirement. Check it out!


Looking for the latest 2016 tax summary guide? Download here

And if that money is QUALIFIED money, One America Asset Care III can be the answer.  See the video below for details!


To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144
Email: cyndi@eschelsfinancial.net

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555 South Old Woodward Ave Suite 755
Birmingham, Michigan 48009



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