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Retirement Alpha: Using Annuities to Improve Your Retirement


Cost Free
Presentation Length 1.0 hour

Recorded DateSeptember 28, 2021
CPE:Not available
(archived webinars do not offer CPE credits)
Subject AreaSpecialized Knowledge
Course LevelBasic
Course Description

Retirement Alpha uses math and science to show WHY an annuity is so vital to a retirement portfolio. In the 1960s, Dr. Menahem Yaari proved that only a lifetime income annuity could optimize income over the indefinite period of a person's life. Economists worldwide, including Nobel prize recipients (like Dr. Robert C. Merton), are unanimous on the importance of annuities in a retirement portfolio. 

Guaranteed lifetime income also increases happiness in retirement, and research now shows that people who have guaranteed lifetime income tend to live longer as well. The only discussion is on what type of annuity you should buy and when to buy one--questions which this course will help clarify.

Learning Objectives:

  • Identify why income is more important than assets in retirement 

  • Recognize why risk management is so important in retirement 

  • Recognize why longevity is not just a risk; it is a risk multiplier 

  • Identify how mortality credits are the “secret sauce” of lifetime income; you are using “other people’s money” 

  • Identify why women face more risks in retirement than men 

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Dave Hall is a CPA, public speaker, webinar presenter, podcaster, retirement risk advisor, and all-around good guy. After graduating with his master’s degree in accounting from Southern Utah University, Dave moved to Las Vegas expecting to die there as a tax accountant. It was going great until he realized he had a greater passion for helping people get safely through retirement than he did for helping them get safely away from the IRS.

To follow his dreams, Dave left his role as managing partner of the accounting firm that he helped build into one of the largest in the history of Las Vegas. Eventually, he moved to Puerto Rico where he began piecing together what would allow him to share his knowledge on what it takes to get to a tax-free and risk-free retirement with thousands of people, just like you.

Dave now lives in Tennessee and spends most of his time educating CPAs and EAs on various retirement topics.


Tom Hegna
(855) 866-4346


Tom Hegna CLU, ChFC, CASL, is an author, speaker, and economist. He has been a top-rated industry speaker for many years and is considered by many to be THE Retirement Income Expert! 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 specializes in creating simple and powerful retirement solutions based on math and science – not opinions. He has the unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand words, ideas, and stories.

About Our Presenter

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Retirement Risk Advisors is a retirement education company that is quickly becoming a top brand in the industry. Dave Hall, CPA started the company in 2019, with one course. Since that time, the company has continued to expand their offerings to include multiple courses, a podcast, weekly live events, and a risk-free retirement club. If you are looking for high quality, up-to-date, retirement education and planning you have come to the right place.