Heather J Lyall | Modern Woodmen Financial Representative

Heather J Lyall

Heather J Lyall

Modern Woodmen membership is about relationships. We take time to get to know you and your needs. Get to know me and how we might connect.

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Current insights

Current insights

Final Wishes Resources | Modern Woodmen

As we gather with loved ones and reflect on what matters most, it's the perfect time to plan ahead. Our Final Wishes Resources help members make thoughtful decisions about end-of-life planning – so your family can focus on celebrating life, not navigating uncertainty. Ask me how to order yours.

At Modern Woodmen, our brand colors tell a story. In our early days, members would have jewelry decorated with red (representing life, action), white (pure intentions) or green (eternal life) enamel. Today, our official colors are blue and green, often depicted through sky and land imagery. This expresses our rural roots, while conveying growth and a positive future.

Hi, this is Heather Lyall. This is my Hearsay phone number, so please save it for future use. If you need to reach me about anything business-related with Modern Woodmen of America, you’re welcome to text me here. I do prefer phone calls or emails since they’re easier for me to respond to, but texting is also an option. You can always email me at [email protected]. https://optin.hearsaysocial.com/399/text_message/phone/+12762779257/

Retiring in 2026? Here are three year-end retirement planning tips to help you make the most of your finances before the calendar flips. 1. Maximize retirement contributions. Boost your 401(k), IRA and HSA savings before limits reset! 2. Delay Social Security (if you can). Waiting equals bigger monthly checks later. 3. Review and update your wills, trusts, powers of attorney and health-care directives. Meet with me to discuss!

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We can help you review your needs and plan for your financial future throughout life. (Learn more about Modern Woodmen's Planning for Life system and products.) Because Modern Woodmen is a fraternal financial services organization, we can also explore the benefits of being a member.

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Modern Woodmen is licensed to sell life insurance and annuity products in most states. This information should not be considered a solicitation in those states where Modern Woodmen is not licensed.

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