Upcoming Webinars

Several of your clients are about to walk into a Medicare Open Enrollment season unlike anything they've experienced before — and this year, you may not be able to count on their insurance agent to see them through it.Medicare rests on three legs: Medicare Advantage, Medigap, and Part D drug plans. Historically, when one leg got shaky, the other two held steady while an agent helped clients navigate around it. This year, all three legs are cracking at once — and many agents no longer have the tools to help.That's what's happening in Medicare right now. What insurers expect to spend covering drug costs has climbed nearly 800% in four years. Medicare Advantage carriers are exiting markets across the country, causing millions of people to lose their plans — and in some counties, leaving zero plans behind. Medigap premiums are spiking at double-digit rates nationwide under the weight of it all. And Part D drug plans are disappearing altogether. Meanwhile, the agents who used to help your clients navigate Medicare's complexity can no longer even quote or enroll them in some of the largest drug plans in the country.Join Melinda Caughill, one of the nation's leading educators on Medicare, for an essential update on what's new and what you need to know for this year's Medicare Open Enrollment season. Melinda will break down the key considerations that can save your clients thousands of dollars, reduce their healthcare-related stress, and strengthen your role as their go-to resource for retirement-related needs.You'll learn:What's changing for 2027 Medicare premiums, deductibles, and plan optionsHow the cost-shifting set in motion by IRA continues to reshape the Medicare market, now compounded by a wave of carrier and plan exitsWhy insurance agents have less ability to help clients this year*CE/CPE Eligible: 2.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, IAR, CLU, ChFC, CDFA, and RICP. CPA and EA members will earn 2.0 CPE credit(s).
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.

Every advisor with clients who have kids has had this conversation: a family sees a $90,000 sticker price and panics — without realizing that number is rarely what anyone actually pays. Phillip Levine, a leading researcher on college affordability, pulls back the curtain on how college pricing really works: the need-based and merit-based aid formulas that quietly discount tuition for most families, and why the system is built the way it is. You'll leave with a clear, defensible way to guide a conversation that's equal parts confusing and emotionally loaded for clients — plus concrete strategies families can use to potentially lower what they actually pay.Learning objectives:Get inside the "black box" of college pricing to understand how sticker price, need-based aid, and merit aid actually interact — so you can speak to it credibly in client conversationsWalk away with strategies you can bring to clients to help them potentially reduce the price they pay for college*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC, CDFA, and RICP.   EA members will earn 1.0 CPE credit(s).
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.

Rising interest rates have changed the math on nearly every mortgage decision your clients face, from how they structure a purchase to whether tapping home equity still makes sense. For many clients, the mortgage is the largest liability on their balance sheet. But it doesn't exist in isolation. It sits alongside credit cards, auto loans, student loans, and other debts, and the way it's structured can either support or undermine the rest of the financial plan.Too often, financial planners leave these decisions entirely to clients and lenders, treating them as a banking question rather than a planning one. That's a missed opportunity, especially now that some of the most effective purchase strategies involve seller negotiations, family gifting, and timing decisions that sit squarely in a planner's lane. Join mortgage experts to learn the following:Rate buydown strategies: how seller-paid permanent buydowns, seller-paid 2/1 temporary buydowns, and lender-paid temporary buydowns work, how to evaluate the break-even, and when a buydown beats a price reductionSmarter family gifting: whether parents or grandparents get more impact by helping with monthly payments, funding a rate buydown, or gifting a larger down payment, including the PMI, cash-flow, and gift tax considerationsBridge financing: using equity in the departing residence to fund the next down paymentBuy before you sell: how clients can make non-contingent offers in competitive markets, and how lenders treat carrying two mortgages

End-of-life decisions don’t follow the rules advisors expect. When clients are faced with mortality—whether in estate planning, charitable giving, insurance, or healthcare—their decision-making often shifts in ways that are difficult to predict using traditional financial logic.Join Professor Russell James as he draws on scientific and demographic research across a wide range of end-of-life decisions to reveal the consistent patterns behind how people actually make these choices.In this session, you’ll learn:Why clients often make unexpected or inconsistent decisions at the end of lifeThe psychological and behavioral principles that drive estate and giving decisionsHow to apply these insights to improve client communication and engagementPractical ways to frame conversations around estate planning and charitable giving more effectivelyUnderstanding this “hidden code” will not only change how you think about end-of-life planning—it will fundamentally improve how you guide clients through some of their most important financial decisions.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC, CDFA,  and RICP. EA members will earn 1.0 CPE credit(s).
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.

Chances are several of your own clients are juggling three financial lives at once: their own financial plan, a young adult who is trying to get established, and an aging parent they are beginning to worry about. According to Pew Research Center, 25% of U.S. adults fit the "sandwich generation" definition, and among adults in their 40s that number is 54%. Pew also found that 59% of parents of adults ages 18 to 34 gave financial help in the prior year, and 36% of those who helped said it hurt their own finances at least some. Credit rarely comes up until it gets in the way: the first apartment lease, a mortgage application, a divorce settlement, or a parent's unfamiliar account. By then, your options, and your client's, may already be narrower than they needed to be. In this practical session with credit-score expert Abigail Golder from IDIQ, we'll look at credit through the lens of the family and give you a framework for raising the topic early, without turning your appointments into credit-repair sessions.We'll walk through 3 situations you're likely to see:A client balancing their own plan: How family support can quietly become a recurring expense, and how to connect credit to the goal and timeline already in your plan.A young adult becoming independent: How to find out what is already reporting, and how to compare first-credit paths (an account in their own name, authorized-user status, and eligible bill reporting) so the parent's support leads somewhere.An aging parent: What to do when unfamiliar credit activity appears, why protection and permission are two separate questions, and who can act when there is a problem.Attendees will learn:The difference between a credit report and a credit score, and why a client can have many valid scoresA 4-step way to review a credit report for the fact that could affect the next decisionThree misconceptions to correct with clients, including "my app score is what the lender will see" and "I need to carry a balance to build credit"

You already know about behavioral finance. Loss aversion, anchoring, confirmation bias — these terms have been part of the investment conversation for over 50 years. And yet here's the uncomfortable truth: most investors are certain these biases happen to other people. That certainty has a name too — the fundamental attribution error — and it may be the most stubborn bias of all, because it convinces us we don't need to look any further.But look closer at the advice you give every day, and the fingerprints are everywhere.Why does a client freeze rather than update an estate plan that no longer fits their life? Status quo bias — the quiet conviction that doing nothing is safer than doing something, even when the numbers say otherwise.Why do smart, capable people agonize over a simple gift? Regret aversion — the fear of waking up tomorrow having made the "wrong" choice, even when there was no wrong choice to make.These aren't character flaws in your clients. They're wiring. And once you understand the wiring, you can work with it instead of against it — often by doing something as simple as slowing change down, so confidence can catch up with the decision.Join Mike Ervolini — researcher, author, and one of the sharpest minds translating behavioral science into practical investment guidance — as he pulls back the curtain on the unconscious machinery behind every financial decision.In this session, you'll discover:Why the unconscious mind — not conscious deliberation — is often the real decision-makerHow emotion isn't the enemy of good decisions, but the mechanism that ranks and selects themWhy a strong process, applied consistently, outperforms a strong intellect applied inconsistentlyPractical, low-lift ways to upgrade your own decision-making process starting this weekIf you've ever wondered why your clients (or you) know the "right" answer and still hesitate — this is the webinar that explains why, and what to do about it. *CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC, CDFA,  and RICP.  EA members will earn 1.0 CPE credit(s).
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.

Discover multi-year tax planning strategies, Roth conversion opportunities, and techniques to reduce federal, state, and local tax liabilities.

Learn practical approaches to strengthening estate plans, protecting assets, transferring wealth efficiently, and avoiding costly planning mistakes.

Gain insights into emerging Social Security issues and lesser-known claiming strategies that can improve client outcomes.

For affluent families, life insurance can be the cornerstone of an effective estate plan—providing liquidity, protecting heirs, and supporting charitable intent. This session explores how life insurance can fund estate taxes, equalize inheritances, and build multigenerational wealth within a fiduciary, tax-efficient structure.Advisors will gain clarity on when to use life insurance versus other funding mechanisms and how trust-based ownership structures—such as ILITs, SLATs, charitable trusts, GRATs, and dynasty trusts—can maximize estate and income tax advantages while maintaining control and flexibility.Learning ObjectivesEvaluate when life insurance offers the most efficient solution for estate liquidity and wealth transfer.Identify opportunities to integrate life insurance within ILITs, SLATs, charitable trusts, GRATs, QPRTs, and dynasty trusts to protect assets and manage tax exposure.ILIT vs. AMLITAnalyze ownership, premium funding, and beneficiary structures to minimize estate inclusionUnderstand coordination of insurance with gifting strategies, Crummey notices, and trust administration.Collaborate with attorneys, CPAs, and estate planners to execute compliant, client-first strategies.Practical Takeaways:How to pair insurance with charitable and family trusts for flexible, tax-smart legacy plans.Estate planning case studies showing how trust design and policy type impact long-term wealth preservation.Checklists for ownership review, gift tax documentation, and policy oversight within trusts.CE/CPE Eligible: 1.5 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC, RICP. CPA and EA members will earn 1.0 CPE credit(s).
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 successful business owners and high-net-worth clients appear “unqualified” on paper when applying for home mortgages—reporting minimal taxable income while maintaining strong cash flow, substantial assets, and significant borrowing capacity.Traditional residential lending guidelines often fail these clients, limiting their ability to purchase, refinance, or strategically finance real estate.Join three mortgage experts to learn how Non-QM (Non-Qualified Mortgage) solutions can help your clients who report low-income but have significant assets. You’ll learn how alternative underwriting approaches—such as bank statement loans, asset-based lending, and DSCR (Debt Service Coverage Ratio) loans—can help clients secure home financing despite complex or tax-optimized income profiles.We’ll focus on real-world application, including:How to identify clients who are ideal candidates for Non-QM home financingWhen these strategies outperform conventional mortgage optionsHow to integrate Non-QM lending into broader financial and tax planning conversationsThe goal is simple: help you better serve clients who have the wealth—but not the W-2 income—to qualify for traditional home mortgages.
*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC, RICP, and CDFA. CPA and EA members will earn 1.0 CPE credit(s).
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. 

Financial advisors and tax professionals routinely help clients establish trusts to protect wealth, avoid probate, reduce taxes, preserve privacy, and create a lasting family legacy. But what happens after assets are transferred into a trust? Many professionals are surprised to learn that moving assets into a trust can create new insurance and liability exposures that are often overlooked during the planning process. Homes, investment properties, vehicles, collectibles, watercraft, and other assets may no longer be properly insured once ownership changes. Trustees may face personal liability. Beneficiaries can encounter unexpected coverage gaps. And in some cases, theft, fraud, or fiduciary misconduct can threaten the very assets the trust was designed to protect.Join insurance expert Aryn Johnson for an eye-opening webinar that explores the intersection of estate planning and risk management.During this session, you'll learn:✓ Why trust-owned assets often require changes to existing insurance policies✓ Common insurance gaps involving homes, vehicles, valuables, and umbrella liability coverage✓ How trustee liability can create significant personal financial exposure✓ Why theft, fraud, forgery, and trustee misconduct are growing concerns for affluent families✓ The role crime insurance can play in protecting trust assets✓ Important considerations surrounding trustee liability insurance✓ Real-world examples of trust disputes, trustee theft, and fiduciary litigation✓ Practical questions every advisor should ask clients who own assets in trust✓ How to identify potential risks before they become costly claims

The financial services profession has the power to transform lives, but who is helping ensure the next generation of advisors has the support needed to enter and thrive in our industry?Join Victoria O'Tool, Executive Director of the FinServ Foundation, for an inside look at the nonprofit dedicated to expanding access to careers in financial planning and wealth management for college students across the United States.In this webinar, Victoria will share the Foundation’s story, mission, and impact over the past seven years, highlighting how its free two-year fellowship program is helping students build meaningful careers in financial services.She will also discuss the Foundation’s growing influence on students, universities, employers, and the broader industry, as well as the many ways firms, advisors, educators, and industry partners can get involved through mentorship, sponsorship, and other initiatives that support the next generation of financial professionals.Whether you're looking to give back, strengthen your firm's talent pipeline, or learn more about one of the industry's leading nonprofit organizations, this session will provide practical insights and meaningful ways to make a lasting impact.
What You'll LearnThe history, mission, and vision of the FinServ Foundation
How the Foundation's fellowship program is helping cultivate the next generation of financial planning and wealth management professionals
The impact of scholarships, university partnerships, mentorship, conference access, and career development initiatives
Ways advisors, firms, educators, and industry professionals can support and get involved in the Foundation's work
Why investing in future talent benefits advisors, firms, clients, and the profession as a whole

The first rule of tax planning has always been simple: defer taxes as long as possible. But a growing body of academic research complicates that advice. Some studies show real benefits to taking early distributions from tax-deferred accounts, while others point to Roth conversions as a way for early-stage retirees to capitalize on temporarily low marginal tax rates. The trouble is, most of this research treats the two strategies in isolation — a simplification that makes the math tractable, but doesn't reflect how retirees actually plan.In this session, Dr. Jim DiLellio presents a single-period non-linear programming model that breaks down that isolation, analyzing tax-deferred distributions and Roth conversions together rather than separately. The result is a striking finding: thanks largely to the progressive structure of the U.S. income tax system, multiple — very different-looking — decision paths can lead to equivalent after-tax wealth outcomes.For financial planners, this isn't just an academic curiosity. It's a practical lens for evaluating the FinTech tools already in use, untangling a genuinely complex area of practice, and better managing the longevity and market risks tied to these decisions.

Nonprofit capital campaigns demand a compelling narrative and a thoughtful communications strategy that inspires donors, engages stakeholders, and safeguards organizational trust. In this webinar, Cass Bailey, CEO of Slice Communications, and Rick Peck, CFP®, CAP®, ChFC®, philanthropy advisor and founder of The Philanthropy Guy®, explore how nonprofit leaders can build momentum for major fundraising initiatives through strategic storytelling and stakeholder engagement. Attendees will learn how to develop a strong case for support, tailor messaging to key audiences, and navigate communications challenges that can arise during capital campaigns. Financial advisors, philanthropic consultants, and nonprofit professionals will gain practical insights to help organizations strengthen donor confidence and achieve fundraising success.Agenda:Building a compelling campaign narrative that inspires actionTailoring communications for donors, board members, media, and community stakeholdersCapital Campaigns Readiness Checklist

Many clients spend years faithfully paying insurance premiums without ever stopping to ask a simple question: “Does this coverage still fit my life?”The answer may surprise them. In a recent real-world example, a family saved more than $2,000 annually simply by conducting a comprehensive review of their insurance policies. Yet the greatest risk isn’t overpaying—it’s discovering after a claim that critical coverage gaps exist. (Source: NerdWallet)Join insurance expert Aryn Johnson for an eye-opening webinar that will help financial advisors understand why an annual insurance review should be a key part of every client’s financial planning process.During this session, you’ll learn:• Why insurance should never be treated as a “set it and forget it” purchase• The life changes that often trigger the need for coverage updates, including marriage, divorce, retirement, home renovations, business ownership, and growing family responsibilities• How outdated policies can leave clients exposed to significant financial risk• Common opportunities to reduce premiums through discounts, bundling strategies, deductible adjustments, and policy restructuring• Important coverage gaps that are frequently overlooked in home, auto, life, umbrella, and health insurance policies• Questions every advisor should encourage clients to ask during an annual insurance review• How advisors can identify insurance planning opportunities without selling insurance productsWhether your clients are concerned about rising premiums, protecting newly acquired assets, or ensuring their family’s financial security, this webinar will provide practical strategies to help them optimize coverage, reduce unnecessary costs, and strengthen their overall financial plan.A simple annual insurance checkup could save clients thousands of dollars—or prevent a costly mistake when they need protection most.

For decades, referrals were the engine that fueled advisory firm growth. While referrals still matter, today's consumers—especially younger generations—are increasingly turning to Google, podcasts, social media, and AI-powered search tools to find financial professionals. The question is no longer whether advisors should invest in marketing and public relations, but how to do it effectively. Join Financial PR & Digital Marketing Strategist Jody Lowe for a practical, action-oriented webinar designed to help financial advisors and firm leaders build a sustainable marketing and PR strategy that generates trust, attracts ideal clients, and drives long-term organic growth. Drawing on real-world examples and proven best practices, Jody will show attendees how to move beyond random marketing tactics and create a repeatable system for business development.During this session, you'll learn:Why referrals alone are no longer enough to sustain growthHow to identify and articulate a compelling differentiator for your firmThe power of earned media, public relations, podcasts, and thought leadershipHow AI and "zero-click" search are changing advisor marketingThe differences between earning leads and buying leads—and when each makes senseHow to identify high-intent prospects and improve lead qualityBest practices for converting inquiries into client relationshipsWhere AI can enhance your marketing efforts—and where it cannot replace human connectionHow much successful firms are investing in marketing and what metrics actually matterWhy organic growth has become one of the most important drivers of firm valuationAttendees will leave with a clear action plan, practical tools they can implement immediately, and a framework for building a marketing engine that compounds results over time. If you're looking to grow your firm, strengthen your brand, and attract more of your ideal clients, this webinar is for you.

Self-employment tax has become one of the most aggressively examined issues in IRS audits — and recent court activity just made it even more complicated.In this timely and technical deep dive, CPA Larry Pon breaks down the rapidly evolving landscape surrounding self-employment tax for LLC members and S corporation owners — including the recent 5th Circuit case that vacated a Tax Court decision involving limited partners, and the pending case in the 1st Circuit that could further reshape the rules.If you advise business owners, this is not theoretical. This is an IRS audit priority.Why This Matters NowFor years, taxpayers have attempted to minimize SE tax exposure by: structuring LLC interests as “limited partner” positions; allocating income strategically and Paying minimal S corporation wages to reduce payroll taxThe IRS has responded aggressively — and the courts are now weighing in.With conflicting interpretations emerging across circuits, advisors must understand:What is still defensibleWhat is clearly audit baitAnd where the gray areas are narrowingWhat Larry Will CoverThe Limited Partner Exception — What It Really MeansThe statutory language of §1402(a)(13)How courts have interpreted “limited partner”Why the 5th Circuit vacated the Tax Court decisionWhat to watch in the 1st Circuit casePractical implications for multi-member LLCsIRS Audit Focus & Enforcement TrendsWhy SE tax is an enforcement priorityCommon audit triggersHow revenue agents are analyzing member participationS Corporations & Reasonable CompensationThe legal standard for reasonable compensationHow the IRS builds its caseData sources and valuation approachesCommon mistakes advisors makeStructuring compensation defensiblyPlanning Opportunities (and Landmines)When SE tax reduction strategies are supportableWhen they cross the lineDocumentation best practicesHow to advise clients in uncertain jurisdictions

Any financial plan is only as good as its assumptions. Join David Blanchett, PhD, CFA, CFP®, Head of Retirement Research and Portfolio Manager at PGIM (Prudential Financial), for a thoughtful review of the four key retirement realities that are often overlooked by financial advisors when developing a financial plan that can significantly impact retirement projections and corresponding recommendations, include that retirees tend to retire early (and suddenly), most retirees don’t work in retirement, retirees typically live longer than they expect, and retirees tend to increase spending by less than inflation. While the aggregate impact of these effects on required retirement savings is mixed, incorporating these insights into a financial plan is important to help set realistic client expectations and to ensure the underlying assumptions in the financial plan are as accurate as possible!

Drawing on empirical research from the Donor-Advised Fund Research Collaborative (DAFRC)—including focus groups and survey responses from 669 financial advisors—this presentation delivers an in-depth analysis of how, when, and why wealth advisors incorporate Donor-Advised Funds (DAFs) into their practice. Led by Erinn Andrews (Founder and CEO of GiveTeam), one of the researchers and co-authors of the report and Danny Anderson, CFA, CFP®, CEPA, Partner at Longwise Wealth Partners, this session explores the primary drivers, perceived barriers, and behavioral habits that differentiate high-performing advisors in charitable planning.Attendees will examine key findings across client wealth tiers, learn how personal advisor characteristics (such as personal DAF usage and personal fulfillment) directly impact recommendation rates, and identify actionable strategies to bridge the charitable engagement gap.Learning Objectives:By the end of this presentation, participants will be able to:Identify Key Drivers and Vehicle Benefits of DAFs: Analyze the technical, strategic, and personal motivations—ranging from tax efficiency and complex asset donations to client values and relationship-building—that lead advisors and high-net-worth clients to select DAFs over other giving vehicles.Recognize and Overcome Common DAF Barriers: Recognize and address top client concerns with DAFs—such as the irrevocable nature of gifts, rule complexity, and grantmaking restrictions.Benchmark Advisor Practice Behaviors: Evaluate personal practice habits against survey benchmarks—including personal DAF usage, fulfillment-driven advising, and peer mentorship—to accelerate proficiency in serving high-net-worth donors.

Learning Objectives• Compare Traditional and Roth eligibility, funding, and tax-treatment rules.• Determine whether an IRA contribution is permitted, deductible, nondeductible, excess, or subject to correction.• Calculate and document nondeductible IRA basis and explain its effect on future conversions and distributions.• Diagnose common IRA funding errors and identify the appropriate correction path.• Apply contribution rules to married couples and clients participating in employer plans.

Learning Objectives• Compare a transfer, direct rollover, indirect rollover, Roth conversion, and in-plan Roth transaction.• Evaluate whether assets should remain in an employer plan or move to an IRA using tax, legal, investment, and client-specific factors.• Calculate the taxable portion of a Roth conversion when IRAs contain pretax and after-tax amounts.• Determine whether a Backdoor or Mega Backdoor Roth strategy is operationally available and appropriate.• Diagnose common rollover and conversion errors and identify available correction procedures.

Learning Objectives• Determine the income-tax and additional-tax treatment of distributions from Traditional and Roth IRAs• Evaluate operational procedures for rollovers to and from employer plans• Match common early-distribution situations with the applicable statutory exception.• Calculate and aggregate lifetime RMDs under the appropriate account-specific rules.• Evaluate whether a QCD or another charitable-giving strategy better supports a client’s objectives.• Correct missed RMDs and identify related reporting and documentation requirements.• Coordinate retirement account withdrawals with tax brackets, Social Security, Medicare premiums, and charitable planning.

Learning Objectives• Classify beneficiaries under the post-SECURE Act framework.• Determine the applicable inherited-account distribution period using the owner’s date of death, required beginning date, account type, and beneficiary classification.• Compare the inherited-account options available to surviving spouses.• Evaluate the consequences of naming individuals, trusts, estates, or charities as beneficiaries.• Identify when annual distributions may be required during a 10-year payout period.• Diagnose common beneficiary-designation and post-death administration errors before irreversible action occurs.

Federal debt above $40 trillion. Long-term Treasury yields near two-decade highs. Valuation concentration and AI capital spending that draw louder warnings each quarter. Advisors are fielding a version of the same client question in nearly every review meeting: if these risks are real, shouldn't we be changing the portfolio?Investment manager David Bahnsen argues that investors typically get the first half of that question right and the second half wrong. They correctly identify a legitimate economic risk, then assume that identifying a problem tells them what markets will do next, and when. The distance between a valid concern and an actionable investment decision is where most portfolio damage gets done.In this session, David gives advisors a framework for that conversation: how to take client macro anxiety seriously without letting it drive allocation, what actually separates an economic development that warrants a portfolio change from one that does not, and why anchoring on business profits and the cash companies return to their owners keeps long-term decisions grounded in fundamentals rather than forecasts. The framework is drawn from his new book, Profit from the Profit (Post Hill Press, 2026).Learning ObjectivesAfter attending this program, participants will be able to:Distinguish between a legitimate macroeconomic concern and an actionable portfolio decision, and articulate to clients why the two are not the same thing.Apply a repeatable framework for evaluating whether a given economic development warrants a change in a client's allocation.Explain the difference between returns generated by a business itself, through profits and growing dividends, and returns that depend on the market continuing to pay a higher multiple.Use specific language and historical evidence to respond to common client fears about debt, interest rates, inflation, and valuations without dismissing those fears.

Join Tom Duffy, CFP® for an interactive ethics program built around real-life client scenarios that show how CFP Board’s ethical standards apply in practice—not just in theory.This CFP Board-approved course covers the Code of Ethics and Standards of Conduct, with a focus on fiduciary duty and the obligation to act in clients’ best interests. The session fulfills the 2-hour CFP® Ethics CE requirement and is also approved for CLU®, ChFC®, RICP®, and IAR CE credit.Designed for CFP® professionals who want more than a compliance-driven ethics course, this session helps you better understand your responsibilities while strengthening your ethical decision-making in day-to-day client work.