Tom Hegna, CLU, ChFC, CASL

Keynote Speaker | Economist | Author | Retirement Expert

Specializing in Creating Simple and Powerful Retirement Solutions

Tom Hegna is an author, speaker, and economist. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!

A proven, grand slam hit on the main stage of all the biggest venues in the financial services industry, Tom is a laser-guided missile, focused solely on electrifying audiences worldwide and motivating people to action. He is a master at taking complex financial concepts and making them simple, sticky, and actionable. His presentations are unmatched in their ability to have an immediate and powerful impact on sales results

As a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars, helping Baby Boomers and seniors retire the “optimal” way. He has condensed a large chunk of his considerable knowledge into four of his books: (1) Paychecks and Playchecks: Retirement Solutions for Life, which is in the top 1% of any book ever sold, (2) Retirement Income Masters: Secrets of the Pros that compiles the very best practices from the top retirement experts in the country. (3) Paycheques and Playcheques, Retirement Solutions for Canadians, And most recently, (4) Don’t Worry, Retire Happy! Seven Steps to Retirement Security, which is based on his popular Public Television Special that has played in over 40 million homes in the US and Canada.


Keynotes Titles:

  • Don’t Worry, Retire Happy! Seven Steps to Retirement Security (as seen on TV)
  • Retirement Alpha: How Mortality Credits Improve Retirement Outcomes
  • Paychecks and Playchecks
  • Social Security Optimization
  • Paycheques and Playcheques: Retirement Income Solutions for Canadians


  • Client Objections and How to Handle Them
  • Life Insurance: Understanding Human Capital and Life Insurance in Retirement
  • 20/20/20 Table Talk Case Study Session
  • Social Security Case Studies

“Tom is an ‘edge of your seat’ kind of speaker. You’ll fill a note pad so come prepared! Highest recommendation!”
Tom Curry – Past President NAIFA

“Tom’s genius is taking the most complex concepts and putting them into simple and memorable terms. His conviction and passion for these principles, not only educate people, but more importantly, inspire them to act.”
John Baier – Past President of GAMA

“Thank you for your tremendous main stage presentation – the content and passionate delivery were beyond compare – you hit a grand slam with our attendees – the evaluations rated you as the top speaker ever!”
Terry Headley – Past President NAIFA

“Few people have a multi-billion dollar impact on a company or an industry. Tom is one of those people. Tom has an unbridled passion for retirement income. This passion is contagious and motivates agents to action. His ideas are simple, yet sophisticated. He resonates with the newest agents and most experienced agents alike. Very few people have the ability to light up a room like Tom does.”
Jeff Taggart – Past President NAIFA


Below are some of the companies and organizations from around the world that Tom has presented to:

  • AIG
  • Allianz
  • Allstate
  • Ameriprise
  • Merrill Lynch
  • Mutual of Omaha
  • Nationwide
  • Pacific Life
  • Sagicor
  • Securian
  • StateFarm
  • Sun Life Financial
  • Transamerica
  • Waddell & Reed
  • Wells Fargo
  • Voya
Travels From:  Arizona
City: Fountain Hills
$15,001 to $20,000


Tom grew up in a small town in Minnesota. He attended North Dakota State University on an Army ROTC Scholarship, served as the Cadet Battalion Commander and graduated with honors earning 3 majors in 4 years.

After serving 6 years, on Active Duty in the US and Europe, Tom started his career in the insurance business with MetLife. He spent 8 years there as a top agent, Manager and National Marketing Manager.

He spent 15 years with New York Life and was responsible for driving their Retirement Income Initiative. Tom trained every New York Life Agent, Manager and Wholesaler. New York Life Continues to dominate the Retirement Income market with a 42% Market Share – unheard of in the Insurance Industry where there are hundreds of companies. Sales increased from $100,000 to over $4 Billion. Tom also remained in the US Army Reserves spending another 16 ½ years leading Counter Terrorism Operations in the Pacific Theatre. He retired in 2006 as a Lieutenant Colonel.

In 2011, Tom retired from New York Life to dedicate himself full-time to speaking, training, and consulting with financial advisors on how to best optimize client portfolios and provide retirement solutions for life.

By 2013, Tom qualified for the Elite “Million Dollar Speakers Group” of the National Speakers Association (NSA). This is the top ½ of 1% of Professional speakers in the world.


Areas of expertise

  • Comprehensive retirement planning strategies
  • Minimize your risk in retirement
  • Retirement Income
  • Social Security
  • Overcoming Objections

Related Speaking Topics

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