IUL.Solutions

05/02/2026

You may have seen the news — President Trump just signed an executive order to help millions of Americans open a low-cost IRA through a new federal website (TrumpIRA.gov).

If you don't have a 401(k) at work, this could matter to you.

Here's the honest breakdown:

🟡 What it IS: A way to open a low-cost IRA modeled on the federal TSP (think low-fee index funds), with up to $1,000/year in federal matching contributions if you qualify.

🔴 What it ISN'T: A complete retirement plan.

To get the match, you have to earn under $35,500 as a single filer. The funds grow tax-deferred, but you'll owe taxes when you withdraw. And no one is handing you a plan for how to turn that balance into income in retirement.

More money saved is always a good thing. But the people I worry about are the ones who think this checks the box — and then arrive at 65 with a balance but no plan.

If you're in or near Nashville and want to talk through where the TrumpIRA fits in the bigger picture, I'm happy to have that conversation.

04/28/2026

What are the two most important questions that you must answer before you retire?

https://tomhegna.com/on-demand | What are the two most important questions that you must answer before you retire? Retirement no longer needs to be so comp...

04/26/2026

Approaching or in retirement? Listen to the story of the five 90 year old ladies. How could it be so simple? Less than 3 minutes.

58 likes, 1 comment. "Tom Hegna Talks About Mortality Credits"

04/25/2026

Most people spend 30 years building a portfolio. Very few ever ask if it's actually built for retirement.

Retirement income expert Tom Hegna documents something in Paychecks and Playchecks that most people close to retirement have never been told:

Take a diversified portfolio with stocks and bonds. Remove some bonds. Replace them with a lifetime income annuity.
Risk goes down. Returns go up. At the same time.

That's not a sales pitch. That's documented research.
The question isn't whether this works. The question is why no one told you sooner.

04/25/2026

Most people spend 30 years building a portfolio. Very few ever ask if it's actually built for retirement.

Retirement income expert Tom Hegna documents something in Paychecks and Playchecks that most people close to retirement have never been told:

Take a diversified portfolio with stocks and bonds. Remove some bonds. Replace them with a lifetime income annuity.

Risk goes down. Returns go up. At the same time.

That's not a sales pitch. That's documented research.
The question isn't whether this works. The question is why no one told you sooner.

04/24/2026

Renewing a CD is easy.
Re-evaluating your strategy is harder.
But often more valuable.

04/17/2026

If you’ve been thinking:

“I should probably take another look at this…”

You’re not alone.

That’s exactly why I built a simple place to start.

No pressure. Just a conversation.

04/16/2026

I don’t believe in rushing financial decisions.

But I do believe in not ignoring them.

There’s a difference.

The goal isn’t urgency.

It’s clarity.

04/09/2026

The biggest mistake I see isn’t choosing the wrong product.

It’s starting without a structure.

People ask:
“What’s the best IUL?”
“What’s the best annuity?”

Better question:

“What is this money supposed to do for you?”

Growth?
Income?
Protection?

Once that’s clear… the product becomes obvious.

That’s exactly how the new site is built —
starting with the question, not the product.

If you ever want to walk through that thought process, I’m here.

04/07/2026

CDs Are Renewing
Is That Still the Right Move?

A lot of CDs are renewing right now.

The key question isn’t just the rate.

It’s whether that money is still positioned correctly for what you want long term.

Sometimes it is.

Sometimes it’s worth a second look.

That’s exactly what a Safe Money Review is designed for.

Simple. No pressure. Just clarity

04/03/2026

Most financial decisions don’t fail because of bad products.
They fail because there was never a clear plan.
This is exactly why I rebuilt the entire site —
to help people slow things down and think clearly.
If you’ve ever wondered:
• “Am I doing the right thing with my money?”
• “Is my family actually protected?”
• “Should I just leave things where they are?”
This will help.
(Short video below 👇)
If you're ever curious how this applies to your situation, I'm always happy to compare notes.