Upcoming Webinars

This educational program, led by compliance lawyer Michelle Atlas-Quinn, provides a comprehensive guide for understanding and addressing critical compliance issues.  The program is structured into four parts: Understanding SEC and NASAA Examinations: This section provides an overview of the roles and objectives of the SEC and NASAA in their examinations. It emphasizes the importance of compliance for investment advisers and highlights common focus areas such as fiduciary responsibilities and disclosure practices. Key Compliance Deficiencies: A detailed exploration of fiduciary obligations, disclosure and transparency, compliance programs, and custody of client assets. This part delves into common pitfalls, case studies on deficiencies, and best practices for maintaining compliance programs. Practical Compliance Strategies: The final section presents practical strategies for implementing effective compliance controls, including techniques for monitoring and reviewing compliance, and preparing for SEC examinations. It emphasizes the roles of compliance officers and the importance of thorough documentation and record-keeping. Overall, the program aims to equip Investment Adviser Representatives with the necessary knowledge and tools to navigate and adhere to compliance requirements effectively. *CE/CPE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP.  Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives.    

This intensive course, presented by compliance lawyer Michelle Atlas-Quinn, is meticulously structured to provide investment adviser representatives with a deep dive into the ethical standards and fiduciary responsibilities critical to their roles. Acknowledging that investment advisers are held to a higher standard within the financial industry, this course will ensure they possess a thorough understanding of the foundational principles, stringent regulations, and best practices that inform and guide professional conduct and decision-making. *CE/CPE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives.  

Steve Weisman from Scamicide will deliver an insightful presentation tailored for financial planners, focusing on cybersecurity measures. He will outline best practices and legal obligations for protecting sensitive data from cyberattacks. Steve will also delve into the psychology of scams, explaining why even the most astute individuals can fall prey to fraudsters. Additionally, he will offer strategies on educating clients to identify and counteract scams and identity theft threats. Furthermore, Steve will discuss specific actions that both clients and planners themselves can implement to safeguard against scams, data breaches, and identity theft. Listeners will learn: Effective data protection strategies and the legalities financial planners must adhere to in order to secure client data from cyber threats. The psychological tactics used by scammers and why these strategies often succeed, even with well-informed individuals. Practical steps and preventative measures to educate and protect themselves and their clients from various frauds and identity theft incidents.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Social Security is simple, until it isn’t. Join former Social Security Director Kurt Czarnowski to sharpen your knowledge of the many important aspects of Social Security, to include the following. Even if you have a solid understanding of Social Security, I encourage you to attend because you will learn from Kurt.  Multiple ideas for Optimizing benefits The Health of the SS Trust Fund and Possible Fixes Split Social Security Strategies How Social Security works for Government Employees How Social Security Disability works Social Security for Divorced Clients and Survivors *CE/CPE Eligible: 1.5 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1.5 CPE credits.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Join tax expert Larry Pon to learn several strategies individuals can consider to lower their Modified Adjusted Gross Income (MAGI) and subsequently reduce their Income-Related Monthly Adjustment Amount (IRMAA) for Medicare premiums. While Working: 1. Traditional IRA Contributions: If you're still working, contributing to a traditional IRA can reduce your MAGI. 2. Health Savings Account (HSA) Contributions: For those with high-deductible health plans, contributing to an HSA can also reduce MAGI. 3. Maximize Retirement Plan Contributions: If you are still employed, maximize contributions to employer-sponsored retirement plans like 401(k)s. Pre-65 1. Delay Social Security Benefits 2. Roth Conversions: 3. Invest in Municipal Bonds: 65 and Older 1. Tax-Loss Harvesting 2. Manage Retirement Account Withdrawals 3. Charitable Contributions, to include QCDs 4. Rental Property Expenses 5. Business Deductions 6. Medicare Premium Deductions 7. Life Insurance Policies 8. Gifts and Transfers 9. Reverse Mortgages   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Retirement researcher Wade Pfau has extensively researched reverse mortgages and has identified numerous ways a reverse mortgage can help clients secure their retirement. In fact, he's written a book on this very idea! Join Wade to learn how reverse mortgages work, how a reverse mortgage credit line can mitigate market volatility (and longevity), lower withdrawal rates, and how monthly reverse mortgage payments can provide retirement tax-free income. Wade will also present case studies that illustrate the impact of using a reverse mortgage to delay Social Security, eliminate monthly mortgage payments and preserve an investment portfolio. Attendees will learn:  How FHA-insured reverse mortgages work Optimal uses of a reverse mortgage to help clients secure their retirement How reverse mortgages can help clients reduce withdrawals from their investment portfolios at inopportune times.  *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.  

This webinar is the first of a series with estate planning attorney Alan Gassman. In this session, Alan will provide an overview of the primary estate tax mechanics and some of the most common strategies. Each session will feature illustrations of how planning techniques can save estate taxes. The techniques to be discussed include portability, creditor shelter trust, annual gifting, discounted annual gifting, and transfers on death to charity. Attendees will learn how to: * Discuss the implications of estate tax on high-net-worth individuals and their beneficiaries. * Discuss the current federal estate tax exemption threshold and potential changes in legislation. * The role of various techniques to help clients achieving their objectives and optimizing tax efficiency.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Join Daniel Gleich, CEO & President, and William Osborne, Account Executive at Madison Trust, as they delve deeper into the world of investing in real estate with a Self-Directed IRA. Learn more about the mechanics of self-directed investing in real estate, including how expenses should be paid and other key considerations. Learning Objectives: Understand what a Self-Directed IRA is, including its potential tax advantages. Gain insights into the benefits of investing in real estate through a Self-Directed IRA. Explore the process of managing your real estate investments within a Self-Directed IRA. Understand the role of custodians and TPAs in facilitating real estate investments within Self-Directed IRAs. Learn about potential tax implications specific to real estate investments within Self-Directed IRAs.  Identify the types of real estate investments that are considered the most popular to hold with Self-Directed IRAs. *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Many business owners can easily get overwhelmed when it comes to understanding and choosing a legal entity for their own business. Which should they choose? What factors determine which entity is best? What state should they register in? In this webinar, Nellie Akalp will detail strategies for incorporating and maintaining a business, to include: Summarize entity options along with their advantages, disadvantages, and tax implications Outline options on where to register a business Determine why entity conversion may be necessary and how to convert from one entity to another Define compliance tasks to stay in good standing, including meeting minutes and setting up a payroll   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Clients with wealth typically have good portions of that invested in real estate and/or small businesses. If that is your client’s situation, please join CPA Eric Wallace to learn “Tax Method Change Opportunities” for those clients. Two methods are applicable to taxpayers who own and use real estate in their business or hold real estate as investment assets. Those two methods are: (1) Cost segregation and (2) Tangible Property Regulations The third one is tax method changes applicable to large service providers (annual revenues in $35MM+0, such as medical, transportation, construction, professional services, etc. There are 4 reasons why you should learn about Tax Method Changes: 1. Value Creation o Whether you sell insurance or are in the investment business – you all seek value creation o You are only as relevant as the value you can create o What is more appealing or attractive to HNW clients than current tax savings? 2. Differentiation o In the eyes of your clients are you the same as other investment advisors o This can open doors that otherwise would never be opened 3. Putting Money in your Client’s Pocket o Creating a process for them to free up their cash, instead of paying it in taxes o Tax method changes will create large tax deductions that can be used to grow a client’s wealth. 4. World Class Expertise o There are three different tax method change opportunities that you will be introduced to o All are fully recognized as 100% litigate by the IRS o Eric Wallace has authored of tax research and explanations for the world’s largest tax publisher Wolters Kluwer o Eric and his partner have successfully submitted and received over a hundred IRS Private Letter Rulings

This comprehensive session, which is eligible for two Ethics credits for IARS and CFPs, is designed to unravel the intricacies of dual registration, an increasingly pertinent topic in the evolving landscape of financial regulation. In our introductory segment, we will set the stage by discussing the significance of dual registration in the financial sector, offering a succinct yet thorough overview that underscores its relevance in today's market. Moving forward, we delve into the definition, scope, and historical evolution of dual registration, including a detailed examination of the regulatory frameworks imposed by both the SEC and state authorities. Our expert speakers will navigate the labyrinth of regulatory compliance challenges, emphasizing key issues such as fiduciary duties, reporting requirements, and managing conflicts of interest. The webinar will also shed light on the operational hurdles associated with dual registration, discussing the technological infrastructure needed for compliance, data management intricacies, and the crucial role of staff training and management. In addition, we'll explore the legal and contractual aspects, highlighting the importance of proper documentation and strategies for dispute resolution in dual registration contexts. Risk management is another core topic, where we will outline effective strategies for identifying, assessing, and mitigating risks, complemented by regular compliance assessments. Engaging case studies will provide real-world insights into successful implementations of dual registration, along with challenges faced and lessons learned. We wrap up with a Q&A session, inviting participants to engage with our panel of experts. The webinar concludes by looking ahead at emerging trends, technological advancements, and anticipated regulatory changes, ensuring participants leave with a well-rounded understanding and essential takeaways for mastering the complexities of dual registration. This webinar is an unmissable opportunity for professionals navigating the nuanced world of financial compliance.    

While financial insecurity is a big concern for those headed into retirement, it is not the only thing they worry about for their post-career life. Join Steve Krzywicki Jr., CFP®, CEO & Wealth Advisor at Beacon Bridge Wealth Partners and David Buck, Certified Professional Retirement Coach, founder of the Infinity Lifestyle Design, as they discuss how to understand and address the financial and emotional worries client’s experience headed into retirement. Steve and David will share examples and innovative solutions to monetary, medical, and emotional fears your clients have and are probably not telling you. To gain a personal perspective, you’ll also have the opportunity to take the Retirement Worry Analysis (RWA) allowing a better understanding of the broad range of concerns individuals and couples have as retirement approaches.

This dynamic two-part program, "Long-Term Care Insurance Update," is strategically designed to empower financial professionals with the latest knowledge and skills required in the evolving field of long-term care (LTC) insurance. The program comprehensively covers the essentials of LTC insurance, policy details, and ethical considerations in sales and management. The instructor, Lori Gubash, has 25 years of experience in the Long Term Care Insurance industry. Part 1 of the program focuses on the foundational aspects of LTC insurance. It begins with an introduction to long-term care, defining key terms and concepts such as “activities of daily living,” the differences between skilled and custodial care, and the impact of cognitive impairment. The session then explores various LTC delivery settings, including institutional facilities like nursing homes and Alzheimer’s care facilities, as well as home-based care options like home healthcare and adult day care. Participants will also learn about the costs associated with different care settings and the statistical risks of requiring LTC. Additionally, this part delves into Medicaid’s role in LTC funding, covering eligibility criteria, asset spend-down rules, and spousal impoverishment protection. Note: This program is approved for four state insurance CE credits in the following states: AL, AR, AZ, DE, GA, IA, IL, KS, LA, MA, MD, ME, MO, MS, MT, NC, ND, NE, NH, NV, OR, PA, SC, TN, TX, VA, WA, WI, WV Additional State Info: GA, LA, MD, MO, MS, NE, NV, RI, VA approved for life and health lines only Subscribers will pay $9.95 per credit for Insurance CE, Non-Subscribers will pay $14.95 per credit for Insurance CE  The program has been submitted for approval with credits for the CFP and American College designations.  Learning objectives for Part 1 include: understanding the fundamentals of LTC and its various delivery settings, comprehending the cost implications and risk factors of LTC gaining insights into Medicaid’s involvement in LTC funding.

Estate Planning for IRAs in Second Marriages: Navigating Complexities is specifically designed for financial advisors. This session, led by Bob Keebler, aims to dissect the intricate challenges and strategies involved in estate planning for clients in second marriages, with a particular focus on IRAs. Bob will explore the nuances of family dynamics and goals, delve into the complexities of state property laws, community property issues, and the implications of marital agreements. Attendees will gain insights into the critical roles of ERISA and the Retirement Equity Act (REA) in estate planning, alongside an in-depth analysis of estate and federal taxation, including state-specific considerations. Bob will cover the post-mortem rules for various retirement accounts like Qualified Plans, IRAs, and Roth IRAs, emphasizing the special EBD rules and the latest updates from SECURE 2.0 – Act Section 327. He'll also discuss the potential risks associated with conduit trusts and provide a thorough understanding of State Law and UPIA, including the 10% Rule, 4% Rule, and Traditional Income Rule. The session will address fiduciary income tax issues, with a focus on the taxation of IRA distributions across different IRA types and the role of basis. Additionally, we'll explore the taxation complexities surrounding trust distributions, trapped income, and NUA in employer securities. The webinar will conclude with a segment on creative estate planning ideas, such as CRTs for second spouses, life insurance trusts, Roth conversions, out-of-state trust planning, QTIP trusts for estate tax reduction, and portability opportunities. This webinar is a must-attend for advisors seeking to enhance their expertise in estate planning for clients in second marriages.

Lori Gubash, with 25 years of LTCI experience, will lead this session, which is Part 2 of the Long Term Care Insurance Update, advances into the specifics of LTC insurance policies and ethical considerations in sales. This segment examines current LTC insurance policy designs, differentiating between comprehensive and non-comprehensive coverage, and explaining benefit triggers. Key features such as benefit periods, elimination periods, inflation protection, and more nuanced options like free look periods and nonforfeiture options are covered. The session also addresses group LTC insurance, LTC Partnership programs, and alternative funding methods like reverse mortgages. The final segment emphasizes ethical sales practices, the underwriting process, and determining client suitability for LTC insurance. Note: This program is approved for four state insurance CE credits in the following states: AL, AR, AZ, DE, GA, IA, IL, KS, LA, MA, MD, ME, MO, MS, MT, NC, ND, NE, NH, NV, OR, PA, SC, TN, TX, VA, WA, WI, WV Additional State Info: GA, LA, MD, MO, MS, NE, NV, RI, VA approved for life and health lines only Subscribers will pay $9.95 per credit for Insurance CE, Non-Subscribers will pay $14.95 per credit for Insurance CE  The program has been submitted for approval with credits for the CFP and American College designations.  Learning objectives for Part 2 include: developing an understanding of modern LTC insurance policy designs and features, learning about alternative LTC funding methods and LTC Partnership programs, enhancing ethical sales practices and client suitability assessment skills.

Join estate planning attorney Liz O'Neil to learn the key responsibilities that an executor or executrix (the terms are interchangeable, with "executor" being gender-neutral) assumes when overseeing an estate. The role of an executor is crucial, as they are legally responsible for managing the estate through the probate process according to the deceased’s will and applicable law.  Liz will review the primary responsibilities that include: Locating and Understanding the Will: The executor must locate the deceased's will, understand its contents, and ensure that it is the final version. Initiating the Probate Process: This involves filing the will with the appropriate probate court, which officially starts the process of estate administration. Identifying and Securing Assets: The executor needs to locate and secure all assets of the estate, including real estate, bank accounts, investments, personal belongings, and other property. Valuing the Estate: The executor must determine the value of the estate's assets. This may require appraisals for certain types of property like real estate, antiques, or artwork. Managing the Estate's Finances: This includes setting up an estate account to handle incoming funds and paying ongoing expenses, such as mortgages, utility bills, and insurance premiums. Paying Debts and Taxes: The executor is responsible for identifying any creditors of the estate and ensuring that valid debts are paid. They must also file final income tax returns for the deceased and pay any estate taxes that are due. Communicating with Beneficiaries and Heirs: Executors must keep the beneficiaries informed about the estate’s administration and distribute assets according to the will’s directives. Distributing the Remaining Assets: After debts and taxes are paid, the executor distributes the remaining assets to the beneficiaries as directed by the will. Dealing with Legal Issues: This can include interpreting the will’s terms, handling disputes among beneficiaries, or dealing with challenges to the will. Filing Final Paperwork.

On April 23, 2024, the U.S. Department of Labor released the Retirement Security Rule defining who is an investment advice fiduciary for purposes of the Employee Retirement Income Security Act (ERISA). The new rule will extend ERISA's fiduciary requirements to all advisers, brokers and insurance agents who provide advice on IRAs, including rollovers. The change starts going into effect on Sept. 23, though it might face legal challenges. The industry will then have another year to fully comply, the Labor Department said. Join retirement plan expert Kevin Clark for a review of key requirements advisers must adhere to, to include the following:   Meet a professional standard of care when making recommendations (give prudent advice); Never put their financial interests ahead of the retirement investor's when making recommendations (give loyal advice); Avoid misleading statements about conflicts of interest, fees, and investments; Charge no more than what is reasonable for their services; and Give the retirement investor basic information about the adviser's conflicts of interest.

This second segment of the Alan Gassman Estate Tax Planning series will cover the “other half” of the primary estate tax planning techniques commonly used to enable affluent families to avoid or eliminate federal state tax. The techniques to be covered in this segment will include the installment sale to a grantor trust, Self-Canceling Installment Notes, Private Annuities, and Qualified Personal Residence Trusts. This will be an overview of these techniques in preparation for a deeper dive to occur in later segments. The educational process will be enhanced by live computerized images that respond to toggles and dials, enabling attendees to instantly see the results of the applicable techniques and their variations. Attendees will learn: • The importance of advanced techniques in comprehensive estate tax planning. • How to explain the concept of installment sales to grantor trusts as a strategy for transferring assets out of an estate while retaining certain benefits. • SCINs and their role in estate planning as a method for transferring assets with a built-in mechanism for cancellation upon the death of the seller. • The tax implications and planning considerations involved in structuring private annuities effectively.

Should clients have exposure to real estate? If so, how much? In what types of accounts? How does real estate perform? And how does it help with portfolio diversification? These are all questions that Amy Arnott, CFA from Morningstar will address when she shares her insights on the pros and cons of investing in real estate. Amy’s presentation will focus on real estate investment trusts and REIT funds, as they are the most liquid type of asset for the average investor. Attendees will learn: The breadth of real estate investment options, including REITS and ETFs, and their role in a diversified portfolio. Effective strategies for investing in real estate, the correlation of real estate to equities and the impact on portfolio performance. The tax consequences of investing in real estate, including the benefits of REITS in tax-deferred accounts and recent tax-law changes.

This third segment of the Estate Planning program with Alan Gassman, Esq., which will cover Qualified Personal Residence Trusts, Charitable Lead Annuity Trusts, Charitable Remainder Trusts, and Qualified Charitable Distributions from IRAs. This will enable attendees to have a fundamental and common-sense understanding of these techniques as the program builds upon past segments in preparation for segments to come. Attendees will learn: The benefits of transferring personal residences into QPRTs, including potential gift tax savings and estate tax reduction. How CLATs provide a stream of income to charities for a specified period, with the remainder passing to non-charitable beneficiaries. How to explain the structure and benefits of CRTs in estate planning. The rules for handling Qualified Charitable Distributions (QCDs), including RMD considerations, transfers, and taxation

Elana Feinsmith, Certified Financial Therapist-I™ and CFP®, will educate you what Financial Therapy is and how Financial Therapy can help your clients have better outcomes. If you have ever had clients not follow through on their financial plans, overspend, fight about money with their partner, avoid money topics, or feel generally unsatisfied with their financial situation, you will want to attend this session. The session includes several case studies to illustrate how Financial Therapy can help you help your clients. Attendees will: Understand the importance of Financial Therapy Learn to distinguish between myths and facts about Financial Therapy Learn the typical process and protocols of Financial Therapy

This is the fourth segment of Estate Planning with Alan Gassman, which will provide a detailed review of the installment sale to a grantor trust and various aspects thereof, including if and when to make some or all of the promissory notes self-canceling or to convert the arrangement to a private annuity. The installment sale to a grantor trust is considered the most dynamic and popular technique in the estate tax arena by many. Yet, it is imperative that you understand the risks and rewards associated with this technique. Attendees will have access to EstateView estate planning software in the Pro-Plus mode for the modules covered during and for 10 days after this segment. Explain the mechanics and legal requirements involved in structuring such transactions Highlight the option of converting installment sale arrangements to private annuities. Discuss how flexibility in structuring transactions can maximize tax efficiency and wealth preservation. Offer hands-on demonstrations to illustrate the software's capabilities in facilitating decision-making and scenario planning.

This engaging session, led by financial planner Kevin Brady, is designed to equip financial advisors with an in-depth understanding of Qualified Small Business Stock (QSBS) and its significant role in tax, legal, and financial planning strategies. As the landscape of investment opportunities evolves, leveraging QSBS can offer substantial tax advantages under Section 1202 of the Internal Revenue Code, which provides for a partial or complete exclusion of gains from federal income tax when certain conditions are met. This workshop will guide participants through the complex criteria and strategic considerations necessary for advising clients effectively on the acquisition, management, and divestment of QSBS. Learning Objectives: Understand the Eligibility Requirements and Tax Benefits of QSBS: Participants will learn to identify which stocks qualify as QSBS, understand the specific conditions under Section 1202, and how to apply these rules to maximize tax savings for clients.  Navigate the Legal Framework and Compliance Issues: Attendees will gain insights into the legal intricacies of QSBS, including compliance with holding period requirements and how to handle contingencies that may affect QSBS status. Incorporate QSBS into Broader Financial Planning Strategies: Advisors will explore methods for integrating QSBS into comprehensive financial planning, examining scenarios where leveraging QSBS is advantageous and aligns with clients' long-term financial goals.

Join Tom Duffy, CFP® for a interactive presentation full of real-life client scenarios that will help you better understand how you can meet your ethical requirements. This webinar is approved by the Certified Financial Planner Board of Standards, Inc. and fulfills the requirement for CFP Board approved Ethics CE. It is designed to educate CFP® professionals on CFP Board’s new Code of Ethics and Standards of Conduct. Also, The American College has accepted this CFP Ethics webinar for 2 hours of CE credit towards the CLU®, ChFC® and RICP® certifications.

Join Alan Gassman, Esq., for a deep dive into the nuances of wealth transfer and estate planning with a particular focus on maximizing the benefits of the current higher gift tax exemption limits before they are scheduled to revert in 2026. Participants will explore: Detailed Case Studies on Large Gifts: Learn from real-world scenarios that showcase the impacts and nuances of making substantial gifts. Understand the strategic decisions involved in optimizing large wealth transfers and their implications on overall estate planning. Exemption Opportunities: We will cover the critical importance of acting before 2026 to leverage the temporarily increased exemption amounts. Discussions will highlight how making significant gifts now can reduce your taxable estate and secure a financial advantage for your beneficiaries, ensuring that you fully utilize these favorable conditions while they last. Risk Mitigation: An integral part of this session will focus on balancing the generosity of giving with the practical need to retain sufficient assets. We’ll teach you how to assess the risk of depleting your resources too early, ensuring a comfortable and secure financial future for yourself while still achieving your philanthropic and legacy goals. Hands-on Financial Analysis: Attendees will not only learn but apply knowledge using the EstateView estate planning software in its Pro-Plus mode. This tool will allow you to run detailed numbers, create sophisticated illustrations, and simulate various estate planning scenarios. This practical experience will solidify your understanding and provide a tangible skill set that can be immediately applied to your practice or personal estate planning strategy.

Tax-Efficiency for Retirement Spending
An important aspect of creating retirement efficiencies is to make sound decisions with respect to their tax implications. When should taxes be paid to generate the most after-tax spending and legacy for a given asset base? Answering this question requires digging into the intricacies and nonlinearities of our progressive tax system. Join Wade Pfau when he reviews the different tax advantages available in the tax code and how to create tax diversification as a foundation for retirement.  Then Wade will dive into tax-efficient retirement distributions, including effective marginal tax rate management, strategic Roth conversions, and long-term capital gains harvesting. Wade also covers pitfalls with generating more taxable income, including the Social Security tax torpedo, increased Medicare premiums, and the impacts of tax-preferential sources of income. I finish with a detailed example to show how more tax-efficient retirement distributions using strategic Roth conversions can significantly extend retirement portfolio longevity.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

In the intricate realm of divorce settlements, financial advisors play a crucial role in safeguarding the fair and accurate division of retirement assets. However, a common hurdle emerges when clients and their legal counsel lack clarity about the nature of these assets. The repercussions of mismanaging such division can be significant – from the ineffectual use of a Qualified Domestic Relations Order (QDRO) on non-qualified plans to the insufficient detailing in dividing significant assets like pensions, overshadowed by less substantial assets. Join us for an enlightening webinar led by Diane Pappas, a CDFA and seasoned Certified QDRO Specialist™. This session is designed to shed light on frequent oversights in ascertaining and dividing various types of retirement plans. Dive deep into the world of both qualified and nonqualified plans, encompassing defined contribution and benefit plans. The webinar will also tackle unique challenges associated with state pensions. We'll unravel the complexities of the marital coverture fraction for defined benefit plans, weigh the advantages and drawbacks of equalizing multiple accounts, and offer a concise overview of pension valuation timing. To further enhance your understanding, we will provide exemplary language for practical application. Learning Objectives: 1. Differentiate Retirement Plans: Gain a thorough understanding of the differences between qualified and nonqualified retirement plans, including defined contribution and defined benefit plans. 2. Master Marital Coverture Fraction: Develop expertise in applying the marital coverture fraction to defined benefit plans, ensuring equitable division in divorce scenarios. 3. Effective Strategy Development: Learn to evaluate and strategize the equalization of multiple retirement accounts, and acquire insights on the optimal timing for pension valuation.

The number and magnitude of recent breaches have brought unprecedented challenges for families. Older adults, in particular, are often targeted by scammers. Seniors are now ensnared in romance scams, crypto - currency fraud, and sophisticated impersonation schemes. Fraudsters have ramped up their activity and perfected the art of preying on seniors. Join elder fraud expert Liz Loewy from EverSafe for this webinar when she: (1) addresses the most prevalent current scams and breaches; (2) outlines steps to prevent loved ones and clients from being victimized; and (3) offers tips, tools, and resources for family members of any age, caregivers, and professionals to protect themselves.

Behavioral biases can destroy portfolio returns, which in turn reduces AUM, practice profitability, and client inflows. Join Dr. Amos Nadler (PhD in Behavioral Finance and Neuroeconomics) to learn the major investing biases of active portfolio management through the lens of behavioral economics, how to identify them using behavioral fintech, and what you can do about it as an investor.