Guaranteed Lifetime Income: Transforming Your Financial Future
Guaranteed Lifetime Income: Transforming Your Financial Future
Retirement is an exciting milestone, but it also brings unique challenges. It’s more than shifting from saving to spending and adapting to life without a regular paycheck. It also involves accurately predicting how long your savings will last and preparing for unforeseen expenses.
Integrating guaranteed lifetime income into your retirement strategy empowers you to enjoy newfound freedom to spend your hard-earned wealth confidently. You focus on living your retirement fully by alleviating worries about outliving your savings.
Today's Retirees Face a Critical Challenge:
converting their savings into a consistent income stream that sustains their desired lifestyle. As traditional pensions become increasingly rare, retirees must take charge of their financial destinies.
Turning savings into income is more complex than ever, driven by two significant concerns:
The risk that investment returns may not meet expectations.
The reality that many will live longer than they expected.
Concern About Retirement Income
In today’s uncertain financial environment, many retirees are cautious about spending their hard-earned savings, limiting some of the spending on things they enjoy. Concern over unknown future expenses, especially healthcare costs, creates anxiety.
While feeling uneasy about market fluctuations is natural, retirees don’t need to feel anxious.
Integrating guaranteed lifetime income into your retirement strategy protects you against unexpected longevity and market volatility.
We understand that the unpredictable stock market and longevity concerns can create spending anxiety
Like you, we recognize the overwhelming noise from the media and self-proclaimed experts.
Instead of getting caught up in the noise, we focus on a crucial element often missing from retirement strategies: guaranteed lifetime income for you and your spouse.
Meet Mark Sherwin
Your Guide to a Protected Retirement
Mark is your dedicated guide for retirement income planning. With degrees in International Business and German from the University of Florida, Eckerd College, and
the University of Freiburg in Germany, his diverse educational background provides a global perspective on retirement planning.
Over the thirty-plus years in the financial arena, Mark has held numerous certifications and licenses that enhance his ability to assist clients in retirement.
Licenses:
Series 24 Securities Principal License
Series 65 Registered Investment Advisor
Series 214 Life Insurance License
Designations:
Certified Estate Planning Practitioner (CEPP) Focused on effective estate management.
Certified Senior Advisor (CSA) Specializes in the unique needs of seniors.
Certified Wealth Mentor (CWM) Addresses investor emotional and financial behavior for
better retirement outcomes.
Mark has contributed to the field of retirement planning as a faculty member at the Florida Symposium of Financial Planning Professionals (CFPs) and co-authored the Amazon Best Seller "Build Wealth Like a Shark" with Shark Tanks’ Kevin Harrington. Mark is also the author of "Retire Abundantly," which offers principles for a stress-free retirement. Additionally, Mark has created numerous courses focused on advanced tax reduction strategies, approved by the Florida Bar and The Florida Department of Business and Professional Regulation providing valuable Continuing Legal Education for attorneys and Continuing Professional Education for Certified Public Accountants.
With such credentials, Mark is well-equipped to guide your retirement planning endeavors.
As Featured In
Trusted by Industry Leaders and Featured on Renowned Platforms
At InPlay Retirement, we integrate protected growth and income into your retirement, which can alleviate anxiety and protect your lifestyle so you can embrace the future confidently.
The Stay InPlay Process
Enhancing your retirement plan with guaranteed lifetime income is essential for securing your desired lifestyle. The Stay InPlay Process safeguards your retirement from market fluctuations while combating inflation and taxes, allowing you to enjoy greater confidence and peace of mind for you and your spouse’s lifetime.
The Stay InPlay Process is your key to discovering strategies that resonate with your comfort level while fully supporting your unique lifestyle goals.
At InPlay Retirement, we integrate guaranteed lifetime income into your retirement, which can alleviate anxiety and protect your lifestyle so you can embrace the future confidently.
Like a pension, guaranteed lifetime income offered by insurers provides financial security and peace of mind.
Imagine enjoying the advantages of guaranteed lifetime income without stock market risk. With guaranteed lifetime income, you create a lifetime income stream for you and your spouse.
With guaranteed lifetime income, you shift stock market and longevity risks to insurers, allowing you to spend your hard-earned wealth with confidence and peace of mind.
Transform Your Retirement Experience
Guaranteed lifetime income enhances your retirement satisfaction by offering four compelling benefits:
Reduced Spending Anxiety
A guaranteed lifetime income stream alleviates longevity risk, giving retirees the confidence that their funds will last.
Reduced Spending Anxiety
A guaranteed lifetime income stream alleviates longevity risk, giving retirees the confidence that their funds will last.
Enhanced Retirement Confidence
With guaranteed lifetime income, retirees can easily manage a budget, eliminating the stress of depleting savings.
Protect Less Financially Savvy Spouses
In many households, one spouse manages the finances. If that spouse passes away or experiences cognitive decline, guaranteed lifetime income provides security for the surviving spouse, ensuring their ongoing needs are met.
Empowered Spending
Guaranteed lifetime income allows retirees to spend more freely and enjoy life without anxiety about market ups and downs. This stability increases satisfaction, enabling even the most affluent retirees more freedom to enjoy this rewording phase of life.
Align Your Retirement Strategy to Your Lifestyle
Uncover Your Ideal Approach to Protect Your Lifestyle
Achieve Balance Between Your Retirement Strategy and Lifestyle
Gain Confidence and Clarity to Protect Your Lifestyle
Integrating guaranteed lifetime income into your retirement strategy is key to securing your lifestyle. This reliable approach shields your retirement from market volatility and effectively combats inflation and taxes, offering you the confidence and peace of mind you deserve.
In contrast, unpredictable income sources create unnecessary uncertainty and stress in retirement.
Experience a life-changing transformation
Before Implementing Protected Growth and Income
Many retirees feel anxious about their spending, fearful that it could jeopardize their future quality of life.
After Implementing Protected Your Growth and Income
You enjoy a newfound clarity and confidence in your financial future. Your income sustains your lifestyle,
offering you peace of mind and enabling you to invest more in meaningful experiences that enrich your retirement.
By Guaranteeing Your Lifetime Income you:
Gain a strong sense of security for your future.
Celebrate the success you’ve worked hard to achieve.
Equip yourself to make confident, informed choices for your next life phase.
Enhance Both Satisfaction and Peace of Mind with Guaranteed Lifetime Income
Guaranteed lifetime income eases the stress of market volatility, empowering you to pursue your passions and interests. Even those with substantial wealth recognize that this stability significantly boosts their satisfaction in retirement, emphasizing its essential importance for a fulfilling life.
Align Your Retirement Strategy to Your Lifestyle
Discover Your Ideal Approach to Protect Your Lifestyle
Achieve Balance Between Your Retirement Strategy and Lifestyle
Gain Confidence and Clarity to Protect Your Lifestyle
Choosing a Retirement Income Approach
As you enter retirement, your financial priorities shift from wealth accumulation to income creation, a critical transition that shapes your future. For success, you must feel comfortable and confident in your retirement approach.
Protected Growth and Income
As retirees look ahead to their financial futures, it is crucial to prioritize stable investment growth and establish dependable income sources throughout retirement.
As retirees look ahead to their financial futures, it is crucial to prioritize stable investment growth and establish dependable income sources throughout retirement.
Guaranteed Lifetime Income
Integrating guaranteed lifetime income into your retirement empowers you to enjoy newfound freedom to spend your hard earned wealth confidently.
Integrating guaranteed lifetime income into your retirement empowers you to enjoy newfound freedom to spend your hard earned wealth confidently.
© 2025. Inplay Concepts Inc. ALL RIGHTS RESERVED
Training
Learn and practice the words, language stories and questions to communicate and sell complex financial instruments to the clients who need them the most. Real time solutions to handle every objection, close every case.
Coaching
Prepare for specific client meetings and cases with Coach Tom Hegna, and get set up every week to sell the best insurance and annuities programs for your clients so you can help them retire happy.
Education
Private member access where prospects and clients can go to understand the latest math and science for using life insurance, annuities and long term care insurance in their retirement planning to create an optimal portfolio.
Easy access at your fingertips 24/7 from any web enabled device
It's all here: Training to help you with your skills. Coaching for pre-meeting preparation. Education for your clients.
Tracking and analytics to gainImage the intelligence you need to win.
Real World.
There are optimal ways to communicate, educate, overcome objections, close, sell and write policies. These aren’t just idea’s. These skills, techniques and methods have been carefully curated from the very best and put to the test. They are based on actual real world experiences, thousands of transactions, and backed by math and science.
Tom Hegna On Demand Curriculum
Your Title Here
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Your Title Here
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Your Title Here
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Autem dolore, alias, numquam enim ab voluptate id quam harum ducimus cupiditate similique quisquam et deserunt, recusandae.
Choose your plan
MONTHLY
pay as you go
$97
ANNUAL
2 months free
$970
LIFETIME
pay once, never expires
$1997
MEMBERSHIP INCLUDES
Daily skills training and motivation
Weekly virtual pre-meeting and post-meeting coaching
Tom’s best closes and techniques for overcoming objections
Tom’s best words, questions and language for presenting annuities and life insurance products
Fast start kick off call to get you winning with the program
Provision private member access for you best prospects on Retire Happy U
Manage your private members, and use in depth analytics to gain insights
Special webinars throughout the year
Access to toll free number for assistance
Annual economic commentary
Annual updated Social Security Guide for Clients (PDF)
Retirement Alpha Guide (PDF)
Full-length "Don't Worry, Retire Happy! Seven Steps To Retirement Security" PBS Special (video)
Full-Length "Tom Hegna Talks About Guaranteed Lifetime Income" (video)
24/7 access from any web enabled device
Hegna's Hotseat monthly perspective on the financial services industry
Official Tom Hegna Certification upon successful program completion
Curriculum
See a full outline of the courses, content and topics covered inside the program.
Corporate Training
Train your entire organization with Tom Hegna On Demand. Use the live chat to request pricing and demo.
Certification
Earn Tom Hegna Certification through successfully completing over 100 interactive instructional courses and coaching.
Become a Top
Producer Today
Sign up and gain access to the training, coaching and solutions the pro's use to
build their practices'