Upcoming Webinars

Choosing a Medicare plan isn’t just a medical decision—it’s a financial one. With multiple parts, deadlines, and plan types, your clients often turn to you first for guidance. In this advisor-focused session, Melinda Caughill, a leading Medicare educator and co-founder of i65, will walk you through exactly what your clients need to focus on when comparing plans—and the specific steps they must take to enroll in the right coverage.📌 Key Topics Covered:What matters most when comparing Medicare plans✓ Monthly premiums, out-of-pocket costs, coverage rules✓ Network restrictions: Can they keep their current doctors?✓ Drug coverage: How to find the best Part D plan for their prescriptions✓ Coverage scope: Who’s covered under which plan?Step-by-step: How to sign up for Medicare Parts A & B✓ Understanding the timeline (Initial Enrollment Period, SEP, GEP)✓ How to use ssa.gov to enroll✓ What to do if your client is still working or covered by a group planExplaining Medicare Advantage vs. Medigap (Supplement Plans)✓ How to evaluate costs, access to care, and coverage needs✓ Why plan selection now can limit future optionsHow to enroll in a standalone Part D (prescription drug) plan✓ Using Medicare.gov to compare and choose✓ Understanding formularies, tiers, and the coverage gap (donut hole) *CE/CPE Eligible: 1.5 CE credit(s) is(are) available to FEN Members with these designations: CFP, EA, CLU, ChFC and RICP. CPA 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.

When a business owner is preparing to sell, merge, or bring on new partners, the stakes couldn’t be higher—and the valuation process is often where deals are won or lost. As a financial advisor, you don't need to be a valuation expert to make a big impact—you just need to know the red flags that signal risk for your client.In this eye-opening session, business valuation specialist Anthony Venette will guide financial advisors through the most common (and costly) valuation pitfalls. You’ll learn how to spot unrealistic assumptions, recognize industry-specific vulnerabilities, and help your clients ask the right questions before signing off on a deal.Key Takeaways:What every advisor should know about valuation approaches and how they can misleadRed flags that suggest a valuation may be inflated, outdated, or manipulatedHow to evaluate the credibility of a valuation report and the credentials behind itReal-world case studies of clients who paid the price for ignoring warning signsActionable steps to protect your clients and enhance your value as a trusted advisorWhether your client is buying, selling, or restructuring their business, this session will arm you with the insight needed to safeguard their financial future during one of the most important decisions they’ll ever make.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.
 

With the SEC and state regulators sharpening their focus on fiduciary obligations, disclosure accuracy, and cybersecurity in 2025, investment adviser representatives (IARs) must stay ahead of evolving expectations. This two-hour educational webinar—led by a compliance attorney Michelle Atlas-Quinn with real-world experience—dives deep into the most pressing compliance issues facing IARs this year.Whether you're preparing for an SEC exam or just want to strengthen your firm’s compliance posture, this course delivers actionable insights and practical guidance for staying compliant, avoiding costly mistakes, and protecting your practice.Topics Michelle will cover:✅ SEC’s 2025 Examination Priorities – What’s on the radar and how to prepare🧭 Fiduciary Obligations – What the duty of care and duty of loyalty really mean for you🗂️ Disclosure Pitfalls – Avoiding errors in Form CRS, Form ADV, and marketing disclosures🛡️ Custody Rule Compliance – Understanding SLOAs, indirect custody, and audit requirements🔍 Best Practices for Internal Compliance Controls – Policies, monitoring, staff training, and documentation📊 What to Expect in an SEC Exam – From record-keeping tips to crypto-related compliance trendsWhy You Should Attend:Learn how to spot red flags that examiners are trained to catchUnderstand how to properly disclose fees, conflicts, and servicesGet updates on the Marketing Rule, Best Execution, and evolving custody interpretationsDevelop a proactive plan to reduce firm and personal liabilityWalk away with a compliance checklist and practical tools you can use immediately

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

Are you prepared for the SEC’s latest requirements on Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT)? This critical webinar, featuring compliance attorney Michelle Atlas-Quinn, will guide financial advisors through the new AML rules coming into effect on January 1, 2026. These rules mandate registered investment advisors (RIAs) and certain exempt reporting advisors (ERAs) to establish comprehensive AML programs. Attendees will learn how to navigate these regulations while safeguarding their businesses from potential penalties. This session will provide actionable insights into creating a robust, risk-based AML program tailored to your firm’s unique operations. Advisors will also learn to meet new customer due diligence requirements, effectively monitor transactions, and report suspicious activities to FinCEN. Don’t miss this opportunity to stay ahead of regulatory expectations and protect your clients and firm.Learning Objectives:1. Understand the scope and impact of the new SEC AML rule on RIAs and ERAs.2. Learn how to establish a risk-based AML/CFT program tailored to your client base.3. Master customer due diligence and beneficial ownership identification.4. Gain strategies for monitoring, reporting, and maintaining compliance records.5. Explore best practices for responding to government AML investigations.This webinar is essential for advisors looking to strengthen compliance while maintaining operational efficiency.

Navigating the complexities of long-term care can be challenging. When clients are facing an immediate care need and did not do any pre-planning, they may think there are no options to save their assets from the nursing home bill—but that’s where Medicaid planning can help. This webinar, led by industry expert Dale Krause, J.D., LL.M., will explore the financial strategies used in crisis Medicaid planning, with a focus on preserving assets through the use of Medicaid Compliant Annuities (MCAs). Attendees will gain a deeper understanding of the Medicaid program and how to help clients accelerate Medicaid eligibility. Through real-life case studies, we will illustrate the practical applications of MCAs for both married and single individuals facing long-term care costs.Learning Objectives:• Understand the Fundamentals of Crisis Medicaid Planning: Learn the key financial and non-financial requirements for Medicaid eligibility and how they impact seniors in need of long-term care.• Explore the Role of Medicaid Compliant Annuities (MCAs) in Asset Protection: Discover how MCAs convert excess countable assets into an income stream to accelerate Medicaid eligibility.• Analyze Case Studies and Implementation Strategies: Examine real-world examples of Medicaid planning strategies for both married couples and single individuals, including the Gift/MCA plan.

In this course, you will gain a thorough understanding of the myriad of options available to your clients when they are exploring senior living options. You will learn about all senior living options available, services offered, amenities available, fee structures and other key differentiators. You will also gain a deeper understanding of the options for funding. The information provided in this course will make CFP professionals and their clients more educated and informed consumers.Learning Objectives:1. Define the various types of senior living options available 2. Be able to contrast the differences between senior living models of care and the advantages and disadvantages of each 3. Recognize the inputs that impact and influence pricing 4. Understand the funding options available 5. Recommend important questions for clients to ask when evaluating and comparing senior living providers

When it comes to homeownership and financing, mortgage planning and credit score management go hand in hand. A strong credit profile leads to better mortgage rates, lower borrowing costs, and increased financial flexibility. As a financial advisor, understanding how to guide clients in both mortgage planning and credit score optimization is essential for helping them secure better financing, manage debt strategically, and maximize long-term wealth.In this two-hour webinar, credit score expert Tiffany Cross and mortgage guru John Thompson will break down mortgage strategies and credit optimization techniques into separate, focused discussions, giving advisors the tools to guide clients through both areas effectively. Advisors will learn how to help clients improve credit scores before applying for a mortgage, manage mortgage debt at different life stages, and leverage home equity in retirement.By attending, you’ll be equipped with a clear roadmap to assist clients with credit and mortgage planning, helping them achieve their financial goals with confidence.

*CE 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 Ethics credit hours for Investment Advisor Representatives.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.

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 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 Ethics credit hours for Investment Advisor Representatives.

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits. This fulfills the CFP requirement for Ethics.In this webinar, Tom Duffy, CFP® led listeners in an interactive presentation full of real-life client scenarios that helped them better understand how they can meet their ethical requirements.

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits.Join retirement expert Denise Appleby as she explains how these mistakes are often made and what you can do to protect your clients’ IRAs. Topics she will cover include real-life case studies and practical examples.Highlights of Denise's webinar include the following:• The 6% and how to avoid it.• The 10% additional tax and how to avoid traps for the unwary• How to avoid or escape the 25% RMD penalty on RMD shortfalls.• The 100% taxability: How an impermissible portability move could result in 100% loss of tax-deferral and the protective measures that can prevent that.

*CE 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 - Products and Practices.In this webinar, Wade Pfau reviews the different tax advantages available in the tax code and how to create tax diversification as a foundation for retirement. Wade dives 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. The webinar finishes with a detailed example to show how more tax-efficient retirement distributions using strategic Roth conversions can significantly extend retirement portfolio longevity.

*CE 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 course is on the intergenerational transfer of property and will focus on what CPAs should know about trusts and estates. It will cover many topics ranging from fundamental legal principles of trusts and estates to how language in the trust instrument accomplishes a particular tax result.We will also discuss the legal definitions and principles of estates and trusts, the basic principles regarding property ownership, and the types of trusts commonly used. We will also delve into trust accounting fundamentals and the specific clauses that are important to understand, including formula valuation clauses.Learning Objectives:Determine how to read and understand estate planning instrumentsIdentify basic fiduciary accounting principlesRecognize select planning opportunities and trapsIdentify the requirements for a trust to be a qualified designated beneficiary of an IRADetermine how to use IRD to fund charitable bequests

The estate and tax planning landscape is is changing dramatically for a great many families with the passage of the Big Beautiful Tax Act and the fact that a great many life insurance policies and trusts were put into place with reference to an estate tax threat or buy sell arrangement that are different or no longer needed.Join respected thought leaders—Barry Flagg and Alan Gassman—for a cutting-edge, practical session on how these changes impact trust, family, creditor protection and other planning that has and will continue to involve life insurance and other issues related to high-net-worth families and their advisors.What You’ll LearnUnderstand the new rules and opportunities for life insurance policy owners and prospective owners in the wake of the Big Beautiful Tax Act.Irrevocable Life Insurance Trusts (ILITs): Discover the modern role of ILITs, including when to keep, modify, or decant existing trusts and when to buy policies out of Trusts and convert them to other uses.Funding Strategies: Explore alternatives such as split dollar arrangements, income-producing assets in trusts, and merging or decanting other trusts to fund life insurance efficiently.Income Taxation & Transfer for Value Rules:Learn the latest on grantor vs. non-grantor trust status, transfer for value pitfalls, and how to avoid costly mistakes.Types of Policies & Conversions:Get practical guidance on term vs. permanent policies, conversion options, and possible policy exchanges.Buy-Sell Agreements & Estate Tax Planning:Update your approach to buy-sell agreements and key person coverage and how to structure these in light of new estate tax realities.Creditor Protection & State Law:Review which states offer full creditor protection for permanent life insurance and how to maximize protection for your clients.Portability Allowance & Estate Tax Exemption: See how to leverage the portability allowance and maximize estate tax exemptions for married couples who may not realize that they need to do this.Modernization & Engage Best Practices: Learn how to modernize existing trusts, implement trust protector provisions, and ensure compliance with the latest tax and legal requirements.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, EU, CLU, ChFC and RICP. CPA 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. 

Most Americans hold the majority of their wealth in their homes — with over $35 trillion in home equity nationwide. Yet, this asset is often overlooked in retirement planning. New solutions, called Home Equity Instruments (HEIs), allow homeowners to responsibly access a portion of their equity without taking on traditional debt.This session explores how HEIs can be integrated into holistic retirement plans to fund retirement income and/or protection strategies; all while avoiding the need to draw from cash reserves or investment portfolios. You’ll see how financial planners are using HEIs to enhance client flexibility, reduce portfolio drawdowns, and expand options for funding retirement goals. We’ll also demonstrate how advanced planning software (InsMark’s Wealthy & WiseReactivate Advanced ) can model HEIs alongside other funding vehicles to support objective, client-centered recommendations.Learning Objectives -- By the end of this session, attendees will be able to:Identify client profiles where unlocking home equity may be a useful planning strategy.Explain the potential benefits and tradeoffs of HEIs in the context of a client’s broader retirement plan.Introduce HEI concepts in a way that empowers clients to make informed decisions about funding retirement needs without unnecessary portfolio strain.Utilize planning software to compare HEIs with other options — such as cash or investment withdrawals — to demonstrate objective tradeoffs and client outcomes. *CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.
 

When money meets major life change, spreadsheets alone aren’t enough. In this introductory session, renowned financial transition expert Susan Bradley will demystify the human side that drives decisions and well-being—the evidence-informed blend of psychology and financial planning that helps clients navigate emotions, behaviors, and decisions when life and money are in motion. Drawing on decades of work with clients facing life events (retirement, inheritance, divorce, business exits, loss, and windfalls), Susan will explain the basics of Financial Transition Literacy and show you how to integrate a simple process and tools into everyday practice— for good decisions during high-stake and stressful situations. You’ll leave with fresh insights into the universal human experience of transitions, language, and framework, that make your planning more effective and your client relationships more resilient.What You’ll LearnWhat Financial Transitions Literacy is—and isn’t: how our culture misunderstands transitions, basics that make the biggest difference to advisors and their clients.Four Essentials for Alignment – how to help clients feel safe and grounded while life is shifting quickly.The universal stress response to change: why client’s memory, attention span and comprehension get diminished and what to do to help recover capacity.Practical tools you can use tomorrow: how to shift into higher trust and communication with practical, repeatable and universal processes.Communication that calms: techniques to increase clarity, confidence and agency.The difference between change and transition: how to adjust your meetings and communications through the different stages of transitions.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits. This fulfills the CFP requirement for Ethics.In this webinar, Tom Duffy, CFP® led listeners in an interactive presentation full of real-life client scenarios that helped them better understand how they can meet their ethical requirements.

*CE 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 Ethics credit hours for Investment Advisor Representatives.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.

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 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 Ethics credit hours for Investment Advisor Representatives.

*CE 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 Products and Practices credit hours for Investment Advisor Representatives.This program, which features tax attorney Joe Endres, will address applying residency tax rules to commuters, occasional visitors, and full-time residents of the various states. It will also identify the practices most states use to determine if a taxpayer has "truly" changed their residence. For example, changing your residence from a high-tax state (think NY, NJ & CA) to a low or no-tax state (think FL) can dramatically reduce the amount of state taxes you have to pay. But high-tax states don't let their residents go smoothly. If you continue to maintain any connection to the former residence (think snowbirds), the high-tax state may contest that you genuinely changed your residence. Note that Mr. Endres specializes in residency and local taxation matters and has represented numerous clients in cases related to this issue.In this webinar, Mr. Endres will teach you how states determine a taxpayer's residency and how to make the states respect your residency change.Learning Objectives:Determine statutory residence rules and how to count a "day"Identify concrete steps necessary to change your domicileRecognize common traps for the unwary practitioner

*CE 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 - Products and Practices.In this webinar, Wade Pfau reviews the different tax advantages available in the tax code and how to create tax diversification as a foundation for retirement. Wade dives 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. The webinar finishes with a detailed example to show how more tax-efficient retirement distributions using strategic Roth conversions can significantly extend retirement portfolio longevity.

*CE 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 course is on the intergenerational transfer of property and will focus on what CPAs should know about trusts and estates. It will cover many topics ranging from fundamental legal principles of trusts and estates to how language in the trust instrument accomplishes a particular tax result.We will also discuss the legal definitions and principles of estates and trusts, the basic principles regarding property ownership, and the types of trusts commonly used. We will also delve into trust accounting fundamentals and the specific clauses that are important to understand, including formula valuation clauses.Learning Objectives:Determine how to read and understand estate planning instrumentsIdentify basic fiduciary accounting principlesRecognize select planning opportunities and trapsIdentify the requirements for a trust to be a qualified designated beneficiary of an IRADetermine how to use IRD to fund charitable bequests

Are you prepared for the SEC’s latest requirements on Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT)? This critical webinar, featuring compliance attorney Michelle Atlas-Quinn, will guide financial advisors through the new AML rules coming into effect on January 1, 2026. These rules mandate registered investment advisors (RIAs) and certain exempt reporting advisors (ERAs) to establish comprehensive AML programs. Attendees will learn how to navigate these regulations while safeguarding their businesses from potential penalties. This session will provide actionable insights into creating a robust, risk-based AML program tailored to your firm’s unique operations. Advisors will also learn to meet new customer due diligence requirements, effectively monitor transactions, and report suspicious activities to FinCEN. Don’t miss this opportunity to stay ahead of regulatory expectations and protect your clients and firm.Learning Objectives:1. Understand the scope and impact of the new SEC AML rule on RIAs and ERAs.2. Learn how to establish a risk-based AML/CFT program tailored to your client base.3. Master customer due diligence and beneficial ownership identification.4. Gain strategies for monitoring, reporting, and maintaining compliance records.5. Explore best practices for responding to government AML investigations.This webinar is essential for advisors looking to strengthen compliance while maintaining operational efficiency.

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

With the SEC and state regulators sharpening their focus on fiduciary obligations, disclosure accuracy, and cybersecurity in 2025, investment adviser representatives (IARs) must stay ahead of evolving expectations. This two-hour educational webinar—led by a compliance attorney Michelle Atlas-Quinn with real-world experience—dives deep into the most pressing compliance issues facing IARs this year.Whether you're preparing for an SEC exam or just want to strengthen your firm’s compliance posture, this course delivers actionable insights and practical guidance for staying compliant, avoiding costly mistakes, and protecting your practice.Topics Michelle will cover:✅ SEC’s 2025 Examination Priorities – What’s on the radar and how to prepare🧭 Fiduciary Obligations – What the duty of care and duty of loyalty really mean for you🗂️ Disclosure Pitfalls – Avoiding errors in Form CRS, Form ADV, and marketing disclosures🛡️ Custody Rule Compliance – Understanding SLOAs, indirect custody, and audit requirements🔍 Best Practices for Internal Compliance Controls – Policies, monitoring, staff training, and documentation📊 What to Expect in an SEC Exam – From record-keeping tips to crypto-related compliance trendsWhy You Should Attend:Learn how to spot red flags that examiners are trained to catchUnderstand how to properly disclose fees, conflicts, and servicesGet updates on the Marketing Rule, Best Execution, and evolving custody interpretationsDevelop a proactive plan to reduce firm and personal liabilityWalk away with a compliance checklist and practical tools you can use immediately

In this course, you will gain a thorough understanding of the myriad of options available to your clients when they are exploring senior living options. You will learn about all senior living options available, services offered, amenities available, fee structures and other key differentiators. You will also gain a deeper understanding of the options for funding. The information provided in this course will make CFP professionals and their clients more educated and informed consumers.Learning Objectives:1. Define the various types of senior living options available 2. Be able to contrast the differences between senior living models of care and the advantages and disadvantages of each 3. Recognize the inputs that impact and influence pricing 4. Understand the funding options available 5. Recommend important questions for clients to ask when evaluating and comparing senior living providers

When it comes to homeownership and financing, mortgage planning and credit score management go hand in hand. A strong credit profile leads to better mortgage rates, lower borrowing costs, and increased financial flexibility. As a financial advisor, understanding how to guide clients in both mortgage planning and credit score optimization is essential for helping them secure better financing, manage debt strategically, and maximize long-term wealth.In this two-hour webinar, credit score expert Tiffany Cross and mortgage guru John Thompson will break down mortgage strategies and credit optimization techniques into separate, focused discussions, giving advisors the tools to guide clients through both areas effectively. Advisors will learn how to help clients improve credit scores before applying for a mortgage, manage mortgage debt at different life stages, and leverage home equity in retirement.By attending, you’ll be equipped with a clear roadmap to assist clients with credit and mortgage planning, helping them achieve their financial goals with confidence.

Navigating the complexities of long-term care can be challenging. When clients are facing an immediate care need and did not do any pre-planning, they may think there are no options to save their assets from the nursing home bill—but that’s where Medicaid planning can help. This webinar, led by industry expert Dale Krause, J.D., LL.M., will explore the financial strategies used in crisis Medicaid planning, with a focus on preserving assets through the use of Medicaid Compliant Annuities (MCAs). Attendees will gain a deeper understanding of the Medicaid program and how to help clients accelerate Medicaid eligibility. Through real-life case studies, we will illustrate the practical applications of MCAs for both married and single individuals facing long-term care costs.Learning Objectives:• Understand the Fundamentals of Crisis Medicaid Planning: Learn the key financial and non-financial requirements for Medicaid eligibility and how they impact seniors in need of long-term care.• Explore the Role of Medicaid Compliant Annuities (MCAs) in Asset Protection: Discover how MCAs convert excess countable assets into an income stream to accelerate Medicaid eligibility.• Analyze Case Studies and Implementation Strategies: Examine real-world examples of Medicaid planning strategies for both married couples and single individuals, including the Gift/MCA plan.

As more Americans retire or work abroad—and global citizens settle in the U.S.—financial advisors and tax professionals are increasingly encountering complex cross-border issues that standard planning doesn’t address.In this essential webinar, cross-border specialist Edward Cole will dive into the real-world planning challenges and compliance risks that arise when working with clients who are dual citizens, expats, or relocating abroad for retirement or employment.You’ll gain insights into:U.S. tax obligations for citizens living overseasResidency rules, tax treaties, and double taxation trapsForeign pensions, retirement accounts, and Social Security coordinationFBAR, FATCA, and foreign asset reporting requirementsEstate planning considerations for multi-jurisdictional familiesHow to support clients moving to (or from) high-tax or treaty countries like the U.K., Canada, or AustraliaThis session will equip you with the knowledge to confidently serve globally mobile clients—and avoid costly compliance mistakes.Whether you're advising a tech executive on assignment in Europe or a retiree relocating to the U.K., this webinar will expand your toolkit and elevate your value.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, EA, CLU, ChFC and RICP. CPA 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.
 

For affluent families, college planning is no longer just about writing a tuition check — it’s about aligning one of life’s biggest expenses with a broader financial and legacy strategy. In the first session of our College Planning Masterclass, nationally recognized college planning expert Beth Walker equips advisors with the tools and language needed to lead more strategic, ROI-focused conversations with clients navigating the college decision. You’ll learn how to use Beth’s MAGIC Method and College Cash, Credit & Collateral™ system to help clients approach college as a multiyear, high-cost project that directly impacts retirement readiness, estate planning, and intergenerational wealth transfer. The session provides a clear framework for modeling cash flow, balancing financing options, and helping families make emotionally grounded, financially sound decisions.

The §199A Qualified Business Income (QBI) Deduction remains one of the most impactful — and complex — provisions in the tax code for small business owners and their advisors. Offering up to a 20% deduction on qualified income, QBI planning can significantly reduce tax liability, but phaseouts, specified service trade rules, and wage/property limitations can easily trip up even seasoned professionals.In this session, Clark Randall, CFP®, MJur will demystify QBI planning, walking you through the rules, examples, and strategies you can immediately apply to client cases. You’ll Learn:The mechanics of the §199A QBI deduction and how it fits into holistic tax planningPhaseout thresholds, de minimis rules, and key differences between SSTBs and non-SSTBsPlanning strategies to preserve the deduction for high-income clients (e.g., retirement contributions, wage adjustments, property planning)Real-world examples that illustrate how to maximize this valuable deduction across different client scenarios

Are you prepared for the SEC’s latest requirements on Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT)? This critical webinar, featuring compliance attorney Michelle Atlas-Quinn, will guide financial advisors through the new AML rules coming into effect on January 1, 2026. These rules mandate registered investment advisors (RIAs) and certain exempt reporting advisors (ERAs) to establish comprehensive AML programs. Attendees will learn how to navigate these regulations while safeguarding their businesses from potential penalties. This session will provide actionable insights into creating a robust, risk-based AML program tailored to your firm’s unique operations. Advisors will also learn to meet new customer due diligence requirements, effectively monitor transactions, and report suspicious activities to FinCEN. Don’t miss this opportunity to stay ahead of regulatory expectations and protect your clients and firm.Learning Objectives:1. Understand the scope and impact of the new SEC AML rule on RIAs and ERAs.2. Learn how to establish a risk-based AML/CFT program tailored to your client base.3. Master customer due diligence and beneficial ownership identification.4. Gain strategies for monitoring, reporting, and maintaining compliance records.5. Explore best practices for responding to government AML investigations.This webinar is essential for advisors looking to strengthen compliance while maintaining operational efficiency.

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

With the SEC and state regulators sharpening their focus on fiduciary obligations, disclosure accuracy, and cybersecurity in 2025, investment adviser representatives (IARs) must stay ahead of evolving expectations. This two-hour educational webinar—led by a compliance attorney Michelle Atlas-Quinn with real-world experience—dives deep into the most pressing compliance issues facing IARs this year.Whether you're preparing for an SEC exam or just want to strengthen your firm’s compliance posture, this course delivers actionable insights and practical guidance for staying compliant, avoiding costly mistakes, and protecting your practice.Topics Michelle will cover:✅ SEC’s 2025 Examination Priorities – What’s on the radar and how to prepare🧭 Fiduciary Obligations – What the duty of care and duty of loyalty really mean for you🗂️ Disclosure Pitfalls – Avoiding errors in Form CRS, Form ADV, and marketing disclosures🛡️ Custody Rule Compliance – Understanding SLOAs, indirect custody, and audit requirements🔍 Best Practices for Internal Compliance Controls – Policies, monitoring, staff training, and documentation📊 What to Expect in an SEC Exam – From record-keeping tips to crypto-related compliance trendsWhy You Should Attend:Learn how to spot red flags that examiners are trained to catchUnderstand how to properly disclose fees, conflicts, and servicesGet updates on the Marketing Rule, Best Execution, and evolving custody interpretationsDevelop a proactive plan to reduce firm and personal liabilityWalk away with a compliance checklist and practical tools you can use immediately

The SEC’s Marketing Rule under the Investment Advisers Act has transformed how Investment Adviser Reps (IARs)can advertise their services and use testimonials, performance data, and third-party ratings. Are you confident your firm’s marketing materials comply?This comprehensive two-hour educational session, led by compliance attorney Michelle Atlas-Quinn, will walk you through the latest regulatory expectations, provide real-world exam questions, and help you avoid the most common pitfalls.What You'll Learn:📢 What Counts as an Advertisement under the SEC's definition—including new nuances around one-on-one communications🚫 Prohibited Statements: Learn what language and omissions can get you in trouble💬 Testimonials vs. Endorsements: Understand the difference and when written agreements and disclosures are required📈 Performance Advertising: When you can use hypothetical performance, what disclosures are required, and when it’s prohibited🌟 Third-Party Ratings: How to use them properly—including social media considerations and entanglement rules📚 Books and Records Requirements: What documentation you need to retain under the new rules🧾 Form ADV Part 1 Item 5(L): What you now must disclose about your marketing practicesWhy You Should Attend:Get exam-tested knowledge from actual regulatory questionsLearn best practices for working with compliance when preparing or reviewing marketing materialsUnderstand your obligations to oversee third parties, including solicitors and content creatorsAvoid SEC scrutiny by staying proactively compliantLeave with a clear checklist for marketing compliance in 2025

In this course, you will gain a thorough understanding of the myriad of options available to your clients when they are exploring senior living options. You will learn about all senior living options available, services offered, amenities available, fee structures and other key differentiators. You will also gain a deeper understanding of the options for funding. The information provided in this course will make CFP professionals and their clients more educated and informed consumers.Learning Objectives:1. Define the various types of senior living options available 2. Be able to contrast the differences between senior living models of care and the advantages and disadvantages of each 3. Recognize the inputs that impact and influence pricing 4. Understand the funding options available 5. Recommend important questions for clients to ask when evaluating and comparing senior living providers

When it comes to homeownership and financing, mortgage planning and credit score management go hand in hand. A strong credit profile leads to better mortgage rates, lower borrowing costs, and increased financial flexibility. As a financial advisor, understanding how to guide clients in both mortgage planning and credit score optimization is essential for helping them secure better financing, manage debt strategically, and maximize long-term wealth.In this two-hour webinar, credit score expert Tiffany Cross and mortgage guru John Thompson will break down mortgage strategies and credit optimization techniques into separate, focused discussions, giving advisors the tools to guide clients through both areas effectively. Advisors will learn how to help clients improve credit scores before applying for a mortgage, manage mortgage debt at different life stages, and leverage home equity in retirement.By attending, you’ll be equipped with a clear roadmap to assist clients with credit and mortgage planning, helping them achieve their financial goals with confidence.

Navigating the complexities of long-term care can be challenging. When clients are facing an immediate care need and did not do any pre-planning, they may think there are no options to save their assets from the nursing home bill—but that’s where Medicaid planning can help. This webinar, led by industry expert Dale Krause, J.D., LL.M., will explore the financial strategies used in crisis Medicaid planning, with a focus on preserving assets through the use of Medicaid Compliant Annuities (MCAs). Attendees will gain a deeper understanding of the Medicaid program and how to help clients accelerate Medicaid eligibility. Through real-life case studies, we will illustrate the practical applications of MCAs for both married and single individuals facing long-term care costs.Learning Objectives:• Understand the Fundamentals of Crisis Medicaid Planning: Learn the key financial and non-financial requirements for Medicaid eligibility and how they impact seniors in need of long-term care.• Explore the Role of Medicaid Compliant Annuities (MCAs) in Asset Protection: Discover how MCAs convert excess countable assets into an income stream to accelerate Medicaid eligibility.• Analyze Case Studies and Implementation Strategies: Examine real-world examples of Medicaid planning strategies for both married couples and single individuals, including the Gift/MCA plan.

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits.Join retirement expert Denise Appleby as she explains how these mistakes are often made and what you can do to protect your clients’ IRAs. Topics she will cover include real-life case studies and practical examples.Highlights of Denise's webinar include the following:• The 6% and how to avoid it.• The 10% additional tax and how to avoid traps for the unwary• How to avoid or escape the 25% RMD penalty on RMD shortfalls.• The 100% taxability: How an impermissible portability move could result in 100% loss of tax-deferral and the protective measures that can prevent that.

Families are turning to their advisors with tough, deeply personal questions: “How can Mom age in place safely?” “When is it time to consider senior living?” “What do we do if Dad starts showing signs of cognitive decline?”These aren’t just financial questions—they’re life questions. And most advisors don’t have the resources to answer them with confidence. On this webinar, Lauren Clough, Co-Founder & CEO of bQuest, will show how the bQuest platform empowers advisors to meet these challenges head-on. You’ll see how real client scenarios are addressed through:✅ A vetted national network of senior living and care experts✅ Digital tools that simplify complex aging decisions✅ Concierge-level guidance for families in transitionYou’ll walk away with practical insights for supporting clients through aging and end-of-life planning—while also:Deepening trust and strengthening client relationshipsRetaining next-gen heirsPositioning your practice to capture a share of the $84 trillion wealth transfer already underway

In this course, you will gain a thorough understanding of the myriad of options available to your clients when they are exploring senior living options. You will learn about all senior living options available, services offered, amenities available, fee structures and other key differentiators. You will also gain a deeper understanding of the options for funding. The information provided in this course will make CFP professionals and their clients more educated and informed consumers.Learning Objectives:1. Define the various types of senior living options available 2. Be able to contrast the differences between senior living models of care and the advantages and disadvantages of each 3. Recognize the inputs that impact and influence pricing 4. Understand the funding options available 5. Recommend important questions for clients to ask when evaluating and comparing senior living providers

Today’s financial aid landscape is shifting—fast. From the removal of the sibling discount to the overhaul of how assets and income are reported, families are often left confused and underinformed. In session 2 of our Masterclass, college financial aid expert Mark Kantrowitz and student loan guru Heather Jarvis break down the latest changes to the FAFSA, CSS Profile, and federal loan programs, equipping financial advisors with the insights they need to support clients through one of the most financially complex decisions they’ll make. You’ll learn how to decode financial aid calculations, assess institutional methodologies, and help both high- and middle-income families understand why they may qualify for less than they expect—and what they can do about it. 

Navigating the complexities of long-term care can be challenging. When clients are facing an immediate care need and did not do any pre-planning, they may think there are no options to save their assets from the nursing home bill—but that’s where Medicaid planning can help. This webinar, led by industry expert Dale Krause, J.D., LL.M., will explore the financial strategies used in crisis Medicaid planning, with a focus on preserving assets through the use of Medicaid Compliant Annuities (MCAs). Attendees will gain a deeper understanding of the Medicaid program and how to help clients accelerate Medicaid eligibility. Through real-life case studies, we will illustrate the practical applications of MCAs for both married and single individuals facing long-term care costs.Learning Objectives:• Understand the Fundamentals of Crisis Medicaid Planning: Learn the key financial and non-financial requirements for Medicaid eligibility and how they impact seniors in need of long-term care.• Explore the Role of Medicaid Compliant Annuities (MCAs) in Asset Protection: Discover how MCAs convert excess countable assets into an income stream to accelerate Medicaid eligibility.• Analyze Case Studies and Implementation Strategies: Examine real-world examples of Medicaid planning strategies for both married couples and single individuals, including the Gift/MCA plan.

When it comes to homeownership and financing, mortgage planning and credit score management go hand in hand. A strong credit profile leads to better mortgage rates, lower borrowing costs, and increased financial flexibility. As a financial advisor, understanding how to guide clients in both mortgage planning and credit score optimization is essential for helping them secure better financing, manage debt strategically, and maximize long-term wealth.In this two-hour webinar, credit score expert Tiffany Cross and mortgage guru John Thompson will break down mortgage strategies and credit optimization techniques into separate, focused discussions, giving advisors the tools to guide clients through both areas effectively. Advisors will learn how to help clients improve credit scores before applying for a mortgage, manage mortgage debt at different life stages, and leverage home equity in retirement.By attending, you’ll be equipped with a clear roadmap to assist clients with credit and mortgage planning, helping them achieve their financial goals with confidence.

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits. This fulfills the CFP requirement for Ethics.In this webinar, Tom Duffy, CFP® led listeners in an interactive presentation full of real-life client scenarios that helped them better understand how they can meet their ethical requirements.

With the SEC and state regulators sharpening their focus on fiduciary obligations, disclosure accuracy, and cybersecurity in 2025, investment adviser representatives (IARs) must stay ahead of evolving expectations. This two-hour educational webinar—led by a compliance attorney Michelle Atlas-Quinn with real-world experience—dives deep into the most pressing compliance issues facing IARs this year.Whether you're preparing for an SEC exam or just want to strengthen your firm’s compliance posture, this course delivers actionable insights and practical guidance for staying compliant, avoiding costly mistakes, and protecting your practice.Topics Michelle will cover:✅ SEC’s 2025 Examination Priorities – What’s on the radar and how to prepare🧭 Fiduciary Obligations – What the duty of care and duty of loyalty really mean for you🗂️ Disclosure Pitfalls – Avoiding errors in Form CRS, Form ADV, and marketing disclosures🛡️ Custody Rule Compliance – Understanding SLOAs, indirect custody, and audit requirements🔍 Best Practices for Internal Compliance Controls – Policies, monitoring, staff training, and documentation📊 What to Expect in an SEC Exam – From record-keeping tips to crypto-related compliance trendsWhy You Should Attend:Learn how to spot red flags that examiners are trained to catchUnderstand how to properly disclose fees, conflicts, and servicesGet updates on the Marketing Rule, Best Execution, and evolving custody interpretationsDevelop a proactive plan to reduce firm and personal liabilityWalk away with a compliance checklist and practical tools you can use immediately

The SEC’s Marketing Rule under the Investment Advisers Act has transformed how Investment Adviser Reps (IARs)can advertise their services and use testimonials, performance data, and third-party ratings. Are you confident your firm’s marketing materials comply?This comprehensive two-hour educational session, led by compliance attorney Michelle Atlas-Quinn, will walk you through the latest regulatory expectations, provide real-world exam questions, and help you avoid the most common pitfalls.What You'll Learn:📢 What Counts as an Advertisement under the SEC's definition—including new nuances around one-on-one communications🚫 Prohibited Statements: Learn what language and omissions can get you in trouble💬 Testimonials vs. Endorsements: Understand the difference and when written agreements and disclosures are required📈 Performance Advertising: When you can use hypothetical performance, what disclosures are required, and when it’s prohibited🌟 Third-Party Ratings: How to use them properly—including social media considerations and entanglement rules📚 Books and Records Requirements: What documentation you need to retain under the new rules🧾 Form ADV Part 1 Item 5(L): What you now must disclose about your marketing practicesWhy You Should Attend:Get exam-tested knowledge from actual regulatory questionsLearn best practices for working with compliance when preparing or reviewing marketing materialsUnderstand your obligations to oversee third parties, including solicitors and content creatorsAvoid SEC scrutiny by staying proactively compliantLeave with a clear checklist for marketing compliance in 2025

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

With the SEC and state regulators sharpening their focus on fiduciary obligations, disclosure accuracy, and cybersecurity in 2025, investment adviser representatives (IARs) must stay ahead of evolving expectations. This two-hour educational webinar—led by a compliance attorney Michelle Atlas-Quinn with real-world experience—dives deep into the most pressing compliance issues facing IARs this year.Whether you're preparing for an SEC exam or just want to strengthen your firm’s compliance posture, this course delivers actionable insights and practical guidance for staying compliant, avoiding costly mistakes, and protecting your practice.Topics Michelle will cover:✅ SEC’s 2025 Examination Priorities – What’s on the radar and how to prepare🧭 Fiduciary Obligations – What the duty of care and duty of loyalty really mean for you🗂️ Disclosure Pitfalls – Avoiding errors in Form CRS, Form ADV, and marketing disclosures🛡️ Custody Rule Compliance – Understanding SLOAs, indirect custody, and audit requirements🔍 Best Practices for Internal Compliance Controls – Policies, monitoring, staff training, and documentation📊 What to Expect in an SEC Exam – From record-keeping tips to crypto-related compliance trendsWhy You Should Attend:Learn how to spot red flags that examiners are trained to catchUnderstand how to properly disclose fees, conflicts, and servicesGet updates on the Marketing Rule, Best Execution, and evolving custody interpretationsDevelop a proactive plan to reduce firm and personal liabilityWalk away with a compliance checklist and practical tools you can use immediately

There are 2,000 Continuing Care Retirement Communities (CCRCs) in the U.S. that offer seniors a home where they can truly age-in-place while getting the care they need. BUT they often require a SIGNIFICANT investment of hundreds of thousands of dollars and you have to be careful to ensure the facility is in sound financial shape. Join nationally recognized CCRC expert Brad Breeding for a practical webinar designed to equip financial advisors with the insights and tools they need to better counsel clients considering a move to a Continuing Care Retirement Community (CCRC).You’ll learn:What differentiates CCRCs from other senior living optionsHow contracts, fees, and care levels impact financial planningKey questions advisors should ask when evaluating a CCRCHow to guide clients through affordability and lifestyle decisionsNew advisor-focused tools that make CCRC comparisons easier and more transparentWhether your client is actively exploring a CCRC or just beginning to think about long-term living options, this session will help you become a more informed and trusted resource.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.
 

For many families, 529 plans are the cornerstone of education savings—but for financial advisors, understanding how to evaluate and optimize these plans requires more than just knowing the basics. In session 3 of the Masterclass, we're fortunate to have one of the 529 plan industry's top expert, Mary Morris, educate you on the key factors that should drive 529 plan recommendations. From tax treatment and state-level incentives to ownership structure, investment options, and coordination with other benefits, this webinar will help you confidently guide clients through one of the most tax-advantaged planning tools available. Whether your clients are new parents, grandparents, or high-net-worth individuals looking to integrate 529s into their estate or multigenerational wealth plans, this session will sharpen your ability to make smart, customized recommendations.Scott Morris from Savings for College will join Mary to show how you can use their program to efficiently compare 529 plans. 

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits. This fulfills the CFP requirement for Ethics.In this webinar, Tom Duffy, CFP® led listeners in an interactive presentation full of real-life client scenarios that helped them better understand how they can meet their ethical requirements.

Buying into a condo or HOA community isn’t just about location and curb appeal—it’s about navigating a complex web of rules, financial obligations, and legal pitfalls that can have lasting impacts on your clients’ wealth and well-being. In this eye-opening webinar, real estate attorney Mark Grant will walk you through the 10 essential factors every financial advisor should help their clients evaluate before signing on the dotted line.You’ll discover:How to assess the true financial health of an association—and why the balance sheet matters as much as the property itself.The hidden costs behind monthly fees, special assessments, and maintenance obligations.Rules and restrictions that can limit a client’s lifestyle—or their investment returns.The importance of developer agreements, governance structures, and insurance gaps.Legal tools and contract addendums that can safeguard your client before closing.Whether your clients are purchasing their first condominium unit, downsizing for retirement, or investing in a vacation property, you’ll gain the insights and checklists to help them make informed, confident decisions. CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.

The SEC’s Marketing Rule under the Investment Advisers Act has transformed how Investment Adviser Reps (IARs)can advertise their services and use testimonials, performance data, and third-party ratings. Are you confident your firm’s marketing materials comply?This comprehensive two-hour educational session, led by compliance attorney Michelle Atlas-Quinn, will walk you through the latest regulatory expectations, provide real-world exam questions, and help you avoid the most common pitfalls.What You'll Learn:📢 What Counts as an Advertisement under the SEC's definition—including new nuances around one-on-one communications🚫 Prohibited Statements: Learn what language and omissions can get you in trouble💬 Testimonials vs. Endorsements: Understand the difference and when written agreements and disclosures are required📈 Performance Advertising: When you can use hypothetical performance, what disclosures are required, and when it’s prohibited🌟 Third-Party Ratings: How to use them properly—including social media considerations and entanglement rules📚 Books and Records Requirements: What documentation you need to retain under the new rules🧾 Form ADV Part 1 Item 5(L): What you now must disclose about your marketing practicesWhy You Should Attend:Get exam-tested knowledge from actual regulatory questionsLearn best practices for working with compliance when preparing or reviewing marketing materialsUnderstand your obligations to oversee third parties, including solicitors and content creatorsAvoid SEC scrutiny by staying proactively compliantLeave with a clear checklist for marketing compliance in 2025

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

Navigating the complexities of long-term care can be challenging. When clients are facing an immediate care need and did not do any pre-planning, they may think there are no options to save their assets from the nursing home bill—but that’s where Medicaid planning can help. This webinar, led by industry expert Dale Krause, J.D., LL.M., will explore the financial strategies used in crisis Medicaid planning, with a focus on preserving assets through the use of Medicaid Compliant Annuities (MCAs). Attendees will gain a deeper understanding of the Medicaid program and how to help clients accelerate Medicaid eligibility. Through real-life case studies, we will illustrate the practical applications of MCAs for both married and single individuals facing long-term care costs.Learning Objectives:• Understand the Fundamentals of Crisis Medicaid Planning: Learn the key financial and non-financial requirements for Medicaid eligibility and how they impact seniors in need of long-term care.• Explore the Role of Medicaid Compliant Annuities (MCAs) in Asset Protection: Discover how MCAs convert excess countable assets into an income stream to accelerate Medicaid eligibility.• Analyze Case Studies and Implementation Strategies: Examine real-world examples of Medicaid planning strategies for both married couples and single individuals, including the Gift/MCA plan.

*CE 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 Products and Practices credit hours for Investment Advisor Representatives.This program, which features tax attorney Joe Endres, will address applying residency tax rules to commuters, occasional visitors, and full-time residents of the various states. It will also identify the practices most states use to determine if a taxpayer has "truly" changed their residence. For example, changing your residence from a high-tax state (think NY, NJ & CA) to a low or no-tax state (think FL) can dramatically reduce the amount of state taxes you have to pay. But high-tax states don't let their residents go smoothly. If you continue to maintain any connection to the former residence (think snowbirds), the high-tax state may contest that you genuinely changed your residence. Note that Mr. Endres specializes in residency and local taxation matters and has represented numerous clients in cases related to this issue.In this webinar, Mr. Endres will teach you how states determine a taxpayer's residency and how to make the states respect your residency change.Learning Objectives:Determine statutory residence rules and how to count a "day"Identify concrete steps necessary to change your domicileRecognize common traps for the unwary practitioner

In this course, you will gain a thorough understanding of the myriad of options available to your clients when they are exploring senior living options. You will learn about all senior living options available, services offered, amenities available, fee structures and other key differentiators. You will also gain a deeper understanding of the options for funding. The information provided in this course will make CFP professionals and their clients more educated and informed consumers.Learning Objectives:1. Define the various types of senior living options available 2. Be able to contrast the differences between senior living models of care and the advantages and disadvantages of each 3. Recognize the inputs that impact and influence pricing 4. Understand the funding options available 5. Recommend important questions for clients to ask when evaluating and comparing senior living providers

When it comes to homeownership and financing, mortgage planning and credit score management go hand in hand. A strong credit profile leads to better mortgage rates, lower borrowing costs, and increased financial flexibility. As a financial advisor, understanding how to guide clients in both mortgage planning and credit score optimization is essential for helping them secure better financing, manage debt strategically, and maximize long-term wealth.In this two-hour webinar, credit score expert Tiffany Cross and mortgage guru John Thompson will break down mortgage strategies and credit optimization techniques into separate, focused discussions, giving advisors the tools to guide clients through both areas effectively. Advisors will learn how to help clients improve credit scores before applying for a mortgage, manage mortgage debt at different life stages, and leverage home equity in retirement.By attending, you’ll be equipped with a clear roadmap to assist clients with credit and mortgage planning, helping them achieve their financial goals with confidence.

Navigating the complexities of long-term care can be challenging. When clients are facing an immediate care need and did not do any pre-planning, they may think there are no options to save their assets from the nursing home bill—but that’s where Medicaid planning can help. This webinar, led by industry expert Dale Krause, J.D., LL.M., will explore the financial strategies used in crisis Medicaid planning, with a focus on preserving assets through the use of Medicaid Compliant Annuities (MCAs). Attendees will gain a deeper understanding of the Medicaid program and how to help clients accelerate Medicaid eligibility. Through real-life case studies, we will illustrate the practical applications of MCAs for both married and single individuals facing long-term care costs.Learning Objectives:• Understand the Fundamentals of Crisis Medicaid Planning: Learn the key financial and non-financial requirements for Medicaid eligibility and how they impact seniors in need of long-term care.• Explore the Role of Medicaid Compliant Annuities (MCAs) in Asset Protection: Discover how MCAs convert excess countable assets into an income stream to accelerate Medicaid eligibility.• Analyze Case Studies and Implementation Strategies: Examine real-world examples of Medicaid planning strategies for both married couples and single individuals, including the Gift/MCA plan.

This session will feature Childfree Wealth specialist Jay Zigmont introducing a new service to handle the legacy needs of childfree clients. 

Affluent families often invest heavily in college—yet too many students end up switching majors, transferring schools, or tacking on costly fifth years. In this two-part session, you’ll discover how to help clients avoid these common missteps by focusing on purpose, fit, and strategic admissions.Part 1, led by Lisa Marker Robbins, shows you how to integrate career discovery and validated assessments—like Birkman and YouScience—into the college planning process. Learn to coach families toward earlier clarity, reduce financial waste, and align postsecondary choices with long-term life goals.Part 2, with Cathy Copeland Titus, gives you the frameworks to benchmark academic competitiveness, build smarter college lists, and connect academic positioning with financial aid strategy. You’ll gain tools to evaluate admission odds and manage applications like a project—with an ROI lens.Whether you're new to college advising or seeking to sharpen your value to high-income families, this session will elevate how you help clients approach college with purpose, clarity, and financial confidence.

Qualified Small Business Stock (QSBS) under IRC §1202 offers one of the most powerful tax incentives available to investors and founders—but only if you understand how to use it. In this CE-eligible session, Caleb Powers of U.S. Boston Growth Capital walks you through the core benefits, qualifications, and advanced planning strategies behind QSBS. Learn how investors can potentially exclude 100% of capital gains (up to $10M or 10x basis) and how advisors can bring substantial value by identifying clients who qualify.Topics include:The history and mechanics of §1202Entrepreneur and investor eligibility testsThe $50M gross assets and active business requirementsThe powerful §1045 rollover strategy for reinvesting gainsAdvanced planning tactics like “stacking & packing” for maximizing exclusionsHow to build and maintain a QSBS “paper trail” that satisfies the IRSIf you advise business owners, investors, or high-net-worth individuals, this webinar will give you practical tools to help clients reduce capital gains—and increase after-tax outcomes. *CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.
  

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits.Join retirement expert Denise Appleby as she explains how these mistakes are often made and what you can do to protect your clients’ IRAs. Topics she will cover include real-life case studies and practical examples.Highlights of Denise's webinar include the following:• The 6% and how to avoid it.• The 10% additional tax and how to avoid traps for the unwary• How to avoid or escape the 25% RMD penalty on RMD shortfalls.• The 100% taxability: How an impermissible portability move could result in 100% loss of tax-deferral and the protective measures that can prevent that.

*CE 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 course is on the intergenerational transfer of property and will focus on what CPAs should know about trusts and estates. It will cover many topics ranging from fundamental legal principles of trusts and estates to how language in the trust instrument accomplishes a particular tax result.We will also discuss the legal definitions and principles of estates and trusts, the basic principles regarding property ownership, and the types of trusts commonly used. We will also delve into trust accounting fundamentals and the specific clauses that are important to understand, including formula valuation clauses.Learning Objectives:Determine how to read and understand estate planning instrumentsIdentify basic fiduciary accounting principlesRecognize select planning opportunities and trapsIdentify the requirements for a trust to be a qualified designated beneficiary of an IRADetermine how to use IRD to fund charitable bequests

*CE 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 - Products and Practices.In this webinar, Wade Pfau reviews the different tax advantages available in the tax code and how to create tax diversification as a foundation for retirement. Wade dives 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. The webinar finishes with a detailed example to show how more tax-efficient retirement distributions using strategic Roth conversions can significantly extend retirement portfolio longevity.

When it comes to homeownership and financing, mortgage planning and credit score management go hand in hand. A strong credit profile leads to better mortgage rates, lower borrowing costs, and increased financial flexibility. As a financial advisor, understanding how to guide clients in both mortgage planning and credit score optimization is essential for helping them secure better financing, manage debt strategically, and maximize long-term wealth.In this two-hour webinar, credit score expert Tiffany Cross and mortgage guru John Thompson will break down mortgage strategies and credit optimization techniques into separate, focused discussions, giving advisors the tools to guide clients through both areas effectively. Advisors will learn how to help clients improve credit scores before applying for a mortgage, manage mortgage debt at different life stages, and leverage home equity in retirement.By attending, you’ll be equipped with a clear roadmap to assist clients with credit and mortgage planning, helping them achieve their financial goals with confidence.

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits. This fulfills the CFP requirement for Ethics.In this webinar, Tom Duffy, CFP® led listeners in an interactive presentation full of real-life client scenarios that helped them better understand how they can meet their ethical requirements.

Are you prepared for the SEC’s latest requirements on Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT)? This critical webinar, featuring compliance attorney Michelle Atlas-Quinn, will guide financial advisors through the new AML rules coming into effect on January 1, 2026. These rules mandate registered investment advisors (RIAs) and certain exempt reporting advisors (ERAs) to establish comprehensive AML programs. Attendees will learn how to navigate these regulations while safeguarding their businesses from potential penalties. This session will provide actionable insights into creating a robust, risk-based AML program tailored to your firm’s unique operations. Advisors will also learn to meet new customer due diligence requirements, effectively monitor transactions, and report suspicious activities to FinCEN. Don’t miss this opportunity to stay ahead of regulatory expectations and protect your clients and firm.Learning Objectives:1. Understand the scope and impact of the new SEC AML rule on RIAs and ERAs.2. Learn how to establish a risk-based AML/CFT program tailored to your client base.3. Master customer due diligence and beneficial ownership identification.4. Gain strategies for monitoring, reporting, and maintaining compliance records.5. Explore best practices for responding to government AML investigations.This webinar is essential for advisors looking to strengthen compliance while maintaining operational efficiency.

With the SEC and state regulators sharpening their focus on fiduciary obligations, disclosure accuracy, and cybersecurity in 2025, investment adviser representatives (IARs) must stay ahead of evolving expectations. This two-hour educational webinar—led by a compliance attorney Michelle Atlas-Quinn with real-world experience—dives deep into the most pressing compliance issues facing IARs this year.Whether you're preparing for an SEC exam or just want to strengthen your firm’s compliance posture, this course delivers actionable insights and practical guidance for staying compliant, avoiding costly mistakes, and protecting your practice.Topics Michelle will cover:✅ SEC’s 2025 Examination Priorities – What’s on the radar and how to prepare🧭 Fiduciary Obligations – What the duty of care and duty of loyalty really mean for you🗂️ Disclosure Pitfalls – Avoiding errors in Form CRS, Form ADV, and marketing disclosures🛡️ Custody Rule Compliance – Understanding SLOAs, indirect custody, and audit requirements🔍 Best Practices for Internal Compliance Controls – Policies, monitoring, staff training, and documentation📊 What to Expect in an SEC Exam – From record-keeping tips to crypto-related compliance trendsWhy You Should Attend:Learn how to spot red flags that examiners are trained to catchUnderstand how to properly disclose fees, conflicts, and servicesGet updates on the Marketing Rule, Best Execution, and evolving custody interpretationsDevelop a proactive plan to reduce firm and personal liabilityWalk away with a compliance checklist and practical tools you can use immediately

As tax laws and education costs continue to evolve, high-net-worth families are increasingly turning to 529 plans not just for college savings—but as powerful tools for wealth transfer and legacy planning. In this advanced session, estate planning attorney Alan Gassman, J.D. LL.M., will guide you through the tax, estate, and gifting implications of using 529s as a "Dynasty 529 Planning" strategy. i.e. a strategy that uses 529 plans as intergenerational vehicles to fund education and reduce estate tax exposure. 

The SEC’s Marketing Rule under the Investment Advisers Act has transformed how Investment Adviser Reps (IARs)can advertise their services and use testimonials, performance data, and third-party ratings. Are you confident your firm’s marketing materials comply?This comprehensive two-hour educational session, led by compliance attorney Michelle Atlas-Quinn, will walk you through the latest regulatory expectations, provide real-world exam questions, and help you avoid the most common pitfalls.What You'll Learn:📢 What Counts as an Advertisement under the SEC's definition—including new nuances around one-on-one communications🚫 Prohibited Statements: Learn what language and omissions can get you in trouble💬 Testimonials vs. Endorsements: Understand the difference and when written agreements and disclosures are required📈 Performance Advertising: When you can use hypothetical performance, what disclosures are required, and when it’s prohibited🌟 Third-Party Ratings: How to use them properly—including social media considerations and entanglement rules📚 Books and Records Requirements: What documentation you need to retain under the new rules🧾 Form ADV Part 1 Item 5(L): What you now must disclose about your marketing practicesWhy You Should Attend:Get exam-tested knowledge from actual regulatory questionsLearn best practices for working with compliance when preparing or reviewing marketing materialsUnderstand your obligations to oversee third parties, including solicitors and content creatorsAvoid SEC scrutiny by staying proactively compliantLeave with a clear checklist for marketing compliance in 2025

Looking for a reliable way to help clients preserve purchasing power in retirement? Learn how to construct and implement a Treasury Inflation-Protected Securities (TIPS) ladder with confidence.In this hands-on session, financial planner Jay Abolofia, PhD, CFP®, will walk you through the essentials of building a TIPS ladder—from strategy to execution—so you can align client portfolios with inflation-adjusted income needs.You’ll learn:When and why to consider a TIPS ladder vs. other income strategiesHow to source and select TIPS based on maturity, yield, and inflation coverageStep-by-step ladder construction using real tools and platformsCommon pitfalls and how to avoid themHow to integrate a TIPS ladder into broader financial plansWhether you're serving retirees, near-retirees, or just want to sharpen your fixed income toolkit, this session will leave you with practical, repeatable strategies to use right away. *CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA 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.

CE Eligible: Two credits for subscribers who need IAR, CFP, PACE and CPE credits. This fulfills the CFP requirement for Ethics.In this webinar, Tom Duffy, CFP® led listeners in an interactive presentation full of real-life client scenarios that helped them better understand how they can meet their ethical requirements.

Handling customer complaints is one of the most critical—and often misunderstood—areas of regulatory compliance for investment adviser representatives. Whether it’s a client’s offhand comment or a formal arbitration demand, knowing how to respond is essential to protecting your license, your reputation, and your firm.Join us for this essential training led by a seasoned compliance expert and legal professional Michelle Atlas-Quinn. This two-hour IAR CE-eligible webinar will walk you step-by-step through the procedures, obligations, and best practices when a communication might be a complaint.You’ll Learn:🔍 How to identify whether a communication qualifies as a reportable complaint🛡️ The role of your firm’s compliance officer and what you can expect if you're the named representative📝 What goes on your Form U4 (Question 14I)—and how to phrase it properly⚖️ What happens when a lawyer gets involved, and the potential for mediation or arbitration📉 What outcomes are possible—from denial to settlement to arbitration loss—and how they affect your E&O insurance🧾 How complaints impact your BrokerCheck record, and what it takes to seek expungement✅ Best practices to prevent complaints through proactive communication and documentationWho Should Attend:Investment adviser representatives, compliance officers, branch managers, and anyone in a client-facing role looking to mitigate risk and stay compliant.Takeaways:A clear understanding of what triggers mandatory disclosuresHow to support clients while protecting yourself professionallyExamples of good vs. poor U4 disclosure languageA practical checklist for managing potential complaints

Every year, over 2.5 million seniors walk away from life insurance policies they’ve paid into for decades—leaving behind more than $100 billion in untapped benefits. Why? Because they don’t know there’s another option.In this dynamic and eye-opening webinar, Life Settlements expert Lisa Rehburg pulls back the curtain on Life Settlements—a powerful but often-overlooked strategy that can turn an unwanted policy into a valuable asset. Through compelling case studies, market data, and real-life success stories, you’ll discover:Who qualifies for a life settlement and who stands to benefitWhat the process entails and how policies are evaluatedWhere the life settlement market operates—and where the pitfalls areWhen to consider this strategy as part of a client’s financial or estate planWhy clients (and their advisors) often miss this lucrative opportunityHow financial advisors can ethically and effectively integrate life settlements into their practiceWhether you’re advising seniors evaluating their insurance needs or looking to add more tools to your planning arsenal, this session will equip you with actionable insights to better serve your clients—and uncover hidden value where others see none.

Hannah Moore, CFP® is changing the way financial planners are trained while addressing the need to attract new talent to the industry. Join this session to learn about the various programs that Hannah and her team offer for training people from those considering entering the financial planning industry to planners looking to enhance their skills.

Restrictive covenants -- such as noncompetes, nonsolicits, and confidentiality agreements -- govern what advisers can and cannot do after they leave their firm. These provisions play a pivotal role when advisers consider switching firms, launching their own practice, or selling their book of business.Can the adviser work for a competing firm at all? Are they allowed to contact former clients? Does their investment strategy rely on confidential information from the prior firm? The answers often depend on the scope and enforceability of the applicable restrictions.Join attorney Isaac Mamaysky for a session that explores the shifting legal landscape surrounding these post-employment restrictive covenants. Some states have prohibited or curtailed noncompetes, and the FTC recently issued a rule banning them nationwide -- although that rule is currently stayed by court order and may ultimately be abandoned by the FTC. Courts are also more closely scrutinizing nonsolicit and confidentiality provisions to ensure that they are narrowly tailored and truly protect legitimate business interests.Participants will gain a comprehensive overview of the legal landscape governing restrictive covenants, with practical insights and real-world application. Specifically, participants will learn:The most common types of restrictive covenants and what they are intended to do;An overview of state-specific requirements that limit the enforceability of certain restrictions;Current regulatory trends, including efforts to limit or ban noncompetes in several jurisdictions; andPractical guidance for advisers considering a transition from one firm to another.

Many financial planners have clients who own rental properties—yet few have real insight into whether those properties are actually performing. Like other held-away assets, real estate often sits outside the advisory conversation, leaving opportunities untapped and risks unchecked.That’s where Todd Swanson and Dan Williams come in. With over 20 years each as real estate investors, mortgage professionals, authors, and financial educators, Todd and Dan bring a planning-first approach to real estate that integrates seamlessly into retirement and financial planning conversations.💡 In this power-packed one-hour session, they’ll introduce:Simple but powerful metrics to help you assess rental property performanceConversation-starting tools that reveal whether a client’s real estate is building wealth or draining itCompliant, advisor-friendly strategies for engaging clients around real estate like a proReal-world case studies that will show you how to help clients increase cash flow, reduce risk and optimize their real estate as a true wealth-building assetThis is not just another webinar—it’s a strategic upgrade to your client conversations.

Year-end tax planning in 2025 will be especially important and effective. The OBBBA changes to the tax code and market volatility provide excellent low-risk opportunities and traps for the unwary. Start planning now to ensure you have the time to meet with clients, review their situation for ideas, and demonstrate your value. Join Bob Keebler, CPA to learn ideas to act on before year-end to maximize your client’s financial preparedness while minimizing tax liabilities – including topics like these and more:Tax planning - Bracket management, SALT planning and moreInvestment planning - Gain and loss harvesting, interest income to capital gains, loss carryforwards, oil and gas, opportunity zonesRetirement planning – Include advanced Roth ConversionsEducation planning - Funding tax-preference accounts: 529 accountsSmall business planning - Section 199A deduction planning and accelerating deductionsEstate planning - Year-end estate and gift plansLearning OutcomesIdentify crucial topics to discuss with your clients this yearUnderstand the variety of last minute retirement planning availableDetermine conversations to have with your client’s estate attorneysDiscover steps to reinforce your position as your clients’ trusted advisor

Join Philip Camporeale, Managing Director and Portfolio Manager at J.P. Morgan Asset Management, as he unpacks insights from the 30th annual edition of JPMorgan’s Long-Term Capital Market Assumptions (LTCMAs).Developed over months of rigorous research and drawing on the expertise of more than 100 portfolio managers, analysts, and strategists across the globe, the LTCMAs offer forward-looking return and risk projections for over 200 asset classes and strategies across 19 base currencies. These assumptions are widely used by institutional investors and financial advisors to guide long-term asset allocation and to anchor reasonable return expectations for the next 10 to 15 years.In this webinar, Philip will:Highlight key themes and macroeconomic shifts underpinning the 2025 LTCMAs.Share insights from the November launch and what they reveal about future global markets.Discuss how JPMorgan’s Multi-Asset Solutions team integrates these views into strategic model portfolios.Whether you’re managing multi-asset portfolios, refining your strategic allocation, or simply want to understand how top professionals are navigating the decade ahead, this session will give you the edge.

When the markets crashed in early 2020, many retirees didn’t panic because of poor planning — they panicked in spite of strong plans.In this thought-provoking webinar, Ethan Lohr, CFP® shares how the uncertainty of the pandemic revealed a critical flaw in traditional retirement planning: while sophisticated projections and Monte Carlo simulations satisfy logic, they often fail to support the emotional weight clients carry into retirement.Ethan will walk us through The Four Buckets Framework, a modernized income planning approach built to help clients:Understand their retirement income sources in a deeply intuitive way. Balance the desire for safety, growth, and legacy — without sacrificing confidence.Embrace secure income tools like annuities without the stigma or skepticism.Based on lessons learned from his own transition from product-skeptic to pragmatic planner, and wisdom passed down from a trusted mentor — his father — Ethan will explore how to transform fear into clarity and planning into behavior.If you advise clients navigating retirement or nearing the transition, this session will equip you with a simple yet powerful framework to strengthen your client conversations — and their plans.

For clients living in coastal areas, hurricanes and rising tides aren't rare events — they’re part of life. Yet too many financial plans fail to account for the real and growing cost of storm risk. In this timely and practical webinar, South Carolina-based planner Christopher Jackson, CFP® shares how he helps clients along the coast prepare for the next big storm — financially and emotionally. Drawing on firsthand experience and client case studies, Christopher will walk you through a planning process that builds resilience into retirement by budgeting for flood risk, insurance tradeoffs, and repair reserves.You’ll learn how to:Stress-test a plan for multiple uninsured storm eventsModel the impact of major storm losses on retirement cash flowTalk through FEMA flood maps, elevation zones, and “Risk Rating 2.0”Help clients balance coverage costs with liquidity and risk toleranceBuild trust by modeling what you practice in your own financial lifeWhether your clients live on the coast or own vacation homes in hurricane-prone areas, this session will help you lead more proactive conversations — and keep retirement plans on track when the forecast turns.

When a financial adviser sells their practice, the transition hinges on whether clients will follow. While client relationships are very personal, client data belongs to the adviser’s old firm, rather than the adviser themselves -- and transferring that data is subject to strict regulatory and contractual constraints. Specifically, federal and state privacy laws often require a client's consent to move their data. However, employment agreements often include restrictions that prohibit advisers from requesting that consent before their departure. How should an adviser proceed? What key questions should advisers ask to understand their risk exposure?Join RIA lawyer Isaac Mamaysky to learn the key considerations that advisers must navigate when taking clients to a new firm. Participants will learn:The legal framework that governs client data transfers, including Regulation S-P and state laws;Why the Broker Protocol does not override privacy laws, and what limited protections it actually provides; Practical steps for conducting a "liftout analysis," including how to assess firm privacy policies, state-specific opt-in requirements, and pre-departure client communication strategies; andHow to reduce legal risk during a firm transition, especially when client consent is necessary but hard to obtain without violating contract terms.

Explore sophisticated trust structures that go beyond basic estate planning documents in this advanced session. Participants will discover the strategic implementation of Medicaid Asset Protection Trusts (MAPTs), including critical timing and circumstances for long-term care planning. The session will cover Beneficiary Deemed Owner Trusts (BDOTs) and their tax advantages, plus advanced document provisions like the Clayton Election. Using practical examples, attendees will uncover ways to integrate these sophisticated tools into comprehensive estate planning solutions for complex client needs.3 Learning Objectives:Participants will be able to: Apply Medicaid Asset Protection Trust (MAPT) strategies to shelter client assets and demonstrate how these trusts enable qualification for Medicaid long-term care benefits, including skilled nursing facility coverage. Analyze Beneficiary Deemed Owner Trusts (BDOTs) address SECURE Act challenges by comparing their effectiveness in maintaining creditor protection, divorce protection, and distribution control against the 10-year RMD distribution limitations. Understand how specialized Trusts and Trust provisions can add enable clients to address unique objectives and law changes. GRT, etc.Content Levels: Advanced