January 2016


Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
Cyndi Stern
-Ideas & Tips

  • Hello ,
  • It has been said that what the stock market shows us in January will indicate how the year will look…… certainly there will be data out there to prove that and probably to disprove that too, but  why  do we risk that uncertainty with monies that we need to be certain about?  Ideas for your clients and prospects to provide alternatives to the risks of outliving money should reside within the brokerage office with whom you choose to work.  Eschels Financial Group, for over 55 years, has worked within both the stock market and risk adverse insurance alternatives like life insurance and annuities.    

  • Although we all believe that meeting with clients throughout the  year  is important  but now, January through April, is the time that clients have money on their minds more than any other time of the year. Budgeting, credit card debt, building an emergency fund, improving credit scores, saving for retirement, tax planning,  life insurance discussions, pre-retirement planning/rollovers and reviewing past investment decisions for alterations are just some of the many topics on client’s minds.  

    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?

Events For February 2016?

Ø  American National (ANICO) will present a Life Insurance and Annuity Webinar with us on Tuesday, February 9, 2016 from 10am-11am EST with Jeff Moore, National Sales Manager. The registration link and information is below:  

·     Please join the meeting from your computer, tablet or Smartphone.
You can also dial in using your phone.
United States +1 (408) 650-3123 
Access Code: 892-571-213
Ø  American National (ANICO) will join us in presenting a Life Insurance and Annuity Workshop in our office locally on Wednesday, February 24, 2016 at 12 Noon-1pm with Jeff Moore, NSM.  As a continuation of the ideas discussed on the Feb 9th Webinar, Jeff will continue in detail  on the ANICO Life Insurance and Annuity case design opportunities for your business growth in 2016. There will be a light lunch served at 11:30amPlease call our office to reserve your seat at 248-644-1144.  

Generation Xers are worried that their financial plan is not strong enough and that it won’t be reliable to withstand the impact of planned and unplanned expenses.
What they may not realize is:
  • they will need 16x their final salary to fund an adequate retirement1
  • Over 50% vastly underestimate long-term retirement and care expenses2

Generation Xers are approaching their peak earning years and are a great growth opportunity for business expansion. AIG has a new and exciting new campaign to help you better understand what and why Generation Xers think the way that they do, so that you can improve your sales approach.


Tools to help you jump start 2016 View in Browser
 Eschels Financial


Life experiences can have a dramatic impact on how we view the world and the types of messages that resonate with us. If you’re using the same prospecting and sales strategy for The same message and communication style that works best for a pre-retirement Baby Boomer will be different for a Millennial that grew up in the internet age.
We want to help you grow your business, and expanding your possible pool of customers is one of the best ways to do so. We are sharing all of the best materials we have found on generational marketing in one place so you could reference them throughout the year. These resources are a great opportunity to learn how to best engage prospects from different generations and turn-key prospecting tools for each generation as well.
Call or email us today so you can start building your business across all generations.
More insight on marketing to different generations:


  • 62% of Millennials are more likely to become a loyal customer with brands that engage with them on social media
  • Millennial purchasing power is projected to surpass Baby Boomers in 2019
  • The income gap is growing twice as fast in Generation X than other generations
  • Generation X lost 45% of their net worth in the 2008 economic crisis
  • Only 60% of Boomers report having any retirement savings
  • Approximately 10,000 Boomers turn age 65 every day




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


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
Email: cyndi@eschelsfinancial.net

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



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