April 2016


Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
Cyndi Stern
-Ideas & Tips

  • Hello ,
  • There’s always a certain amount of procrastination across the US in the days/weeks leading up to Tax Day, which is April 18th this year. This foot- dragging has been called an American tradition, right up there with not seeing the dentist regularly, getting the annual medical physical and not saving enough for retirement.  Let us ask you this: as your clients bring their tax bills in for a landing this year, and undoubtedly feel that they are paying too much, what solutions or alternatives are you presenting them with to  ease that burden? Do they have all or most of their retirement monies in taxable brokerage accounts or stocks? Are they CD enthusiasts for the idea of safety?
  • You can increase your business momentum with much ease by simply suggesting to your clients they consider a tax-advantaged alternative to those stocks or brokerage account mutual funds. They don’t have to abandon the market exposure completely- certainly not. But to realign a portion of those monies into annuities with tax-deferral (why do we pay tax on money we’re not using?- seems a bit counter-intuitive) and allow themselves safety of the gains and a guaranteed income when the time comes? It is a real answer to the  Tax Day blues. You clients will be on board with the idea, but are you? Are your own objections keeping those opportunities from your clients? Call us to talk this through. It’s time for a light bulb moment.
Upcoming Events

When was the last time you truly prospected for Life Insurance, used a Fact Finder, and uncovered holes in a client’s planning? We’ve gotten smarter with the long tenure in this business but have we forgotten about what made us great professionals?

Eschels Financial Group is very excited and proud to present on Tuesday May 24, 2016  Edwin Hale JD, CLU, Assistant Vice President Advanced Markets with Accordia Life Insurance Company. Ed has 40 years of legal and insurance industry experience in the areas of Estate Planning and Business Succession Planning. He has been both a practicing attorney and a life insurance agent, with a focus on estate and business succession planning for the closely held family owned businesses.

Ed will spend a compelling 2 hours with us on:

ØNeeds Selling- How to approach a Business Owner

ØFact Finders- Estate Planning and uncovering the life insurance needs about which no one asks

ØJoint work with agents once they have obtained a Fact Finder, and assistance closing that sale (Yes, joint work and no commission split)

ØThis is a Workshop providing concepts and training, not a product discussion.

Please join us on Tuesday, May 24, 2016 from 10am -12 Noon in our office conference room at Eschels Financial Group 555 South Old Woodward Avenue  Suite 755, Birmingham, Michigan. There will be a light breakfast served at 9:30am. Call our office to reserve your seat for this rare event and opportunity at 248-644-1144.

The successful industry professionals are those that explore opportunities and continue to strive for greatness by investing in themselves- be that professional!

We look very forward to spending the morning with you, as you glean all that is available from Mr. Ed Hale.

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

  • 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”  


Insurance companies have answered the call and developed solutions to these concerns. Both Life Insurance cash values and Annuities provide what may be unfamiliar to you and your clients- ask us!


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

  • How will you guide your clients and prospects this year with new ideas? As we have known and anticipated for the last several years, interest rates are now on the way back up, and retirement income will be affected if bonds are the primary source.  Have you  considered  the importance of showing a client what a guaranteed income would look like, one that has the opportunities to increase as the index performs?

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


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:

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

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



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