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I encourage you to register for any of the live webinars that interest you. Many of the 100+ live webinars we host each year are open to guests.
A subscription may be required for premium sessions and/or to obtain a continuing education credit. Try us out and learn why 90% of the financial advisors who've attended a Financial Experts webinar say "I learned something on the webinar that will help me provide better advice to my clients.“
Tom Dickson - Founder, Financial Experts Network

Webinar TitleDate & TimeCE Eligible
How Clients can Hedge Rising or Sinking Home Prices
Presented by John Dolan,
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Join our engaging webinar on understanding and trading in the dynamic world of home price index derivatives. This webinar features John Dolan, an expert and independent market maker in the field, who will offer invaluable insights into the CME S&P Case Shiller home price index futures and OTC agreements. Financial advisor Harold "Hal" Hallstein will join John to share how he's used this strategy with a client. This is an excellent opportunity for any professional interested in housing markets to learn about trading and hedging strategies, and forward-looking expectations in home price indices. Whether you have clients who want to add, reduce or swap home price exposure to a region, or you're simply keen on housing market trends, this webinar promises to deepen your understanding and spark discussions about this vital financial market.
Thursday, March 28, 2024 at 1:00 PM EDTNoRegister
Using Client Biases for their Best Interest
Presented by Dr. Matt J. Goren, CFP®, Cerefi
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Cognitive and emotional biases are deviations from rationality. Almost all discussions of biases in financial planning focus on how to reduce or eliminate them; to be rational decision-makers. Despite these efforts, most people most of the time make biased decisions – even highly motivated, highly capable people like hedge fund managers and the leaders of large global corporations. Have we yet to discover the secret for eliminating bias? Dr. Matt J. Goren, CFP® argue this is the wrong question. Matt's belief is biases are byproducts of how our brains work and cannot be eliminated. Instead, financial planners can utilize biases to help our clients make better decisions. Join Matt for an insightful presentation full of practical examples for leveraging biases to help clients make better financial decisions. Here are three specific learning outcomes that participants can expect as a result of the presentation. 1. Define common cognitive and emotional biases. 2. Discuss recent research on the management of biases in the financial planning context 3. Describe opportunities to leverage client biases to help them make better financial decisions.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Tuesday, April 2, 2024 at 1:00 PM EDTYesRegister
LinkedIn Managers insights on how Financial Advisors can Optimize LinkedIn
Presented by Jessica Oliveira, LinkedIn
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Join Jessica Oliveira, Senior Community Manager at LinkedIn, to learn how to unlock the potential of LinkedIn to establish a thriving community centered around your expertise and enhance the value of your business. Jessica will share strategies for financial professionals to optimize their presence on the platform. Financial planner Mike Collins will also share his positive experience with LinkedIn. Learn how to create compelling content, grow your audience, and strengthen your professional network.
Wednesday, April 3, 2024 at 1:00 PM EDTNoRegister
Organization – Building the Foundation for a Streamlined Practice
Presented by Kate Guillen, SimplicityOps
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Join Ops expert Kate Guillen for a deep dive into the critical aspect of organization within your CRM. Learn how to establish a well-organized contact hierarchy, ensuring that your tasks, service model, and workflows are built upon a solid foundation. Discover why the contents of your database matter and how an organized approach sets the stage for a seamlessly streamlined practice.
Thursday, April 4, 2024 at 1:00 PM EDTNoRegister
Key Birthdays: Harnessing Critical Age Markers in Tax and Retirement Strategies
Presented by Larry Pon, CPA,
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As a financial professional, you know that age is more than just a number. It’s a pivotal factor in shaping effective tax and retirement plans for your clients. Join Larry Pon, CPA for an enlightening webinar that unlocks the strategic importance of significant birthdays in the financial planning landscape. In this session, we delve into the crucial ages that mark significant turning points in your clients’ financial journeys. From Age 59 1/2, a vital threshold for retirement account withdrawals, to Age 55, where specific conditions allow penalty-free access to certain retirement funds, each milestone carries weighty implications. We also explore Age 73, the new age for Required Minimum Distributions (RMDs), a shift that can redefine retirement income strategies. Key Learning Outcomes: Age 18: Legal Responsibility for Taxes: Individuals become legally responsible for filing their own taxes. This affects filing status and potential tax liabilities. Age 19 (or 24 for Full-Time Students): End of Child Tax Status: Parents generally can't claim a child as a dependent beyond this age (unless they are a full-time student until age 24), impacting eligibility for certain tax benefits like the Child Tax Credit. The Surprising Role of Age 21: Uncover the tax planning and financial decision-making opportunities associated with this age, often overshadowed by its social connotation Age 50: Catch-Up Contributions: Eligibility to make additional catch-up contributions to retirement accounts (like 401(k)s and IRAs) begins, allowing for larger tax-deferred savings. Age 55: Learn how to leverage the lesser-known provisions available at this age for retirement planning, including penalty-free access under specific circumstances. Age 59½: Penalty-Free Withdrawals: You can start taking withdrawals from retirement accounts such as 401(k)s and IRAs without incurring the 10% early withdrawal penalty. Age 62: Eligibility for Social Security retirement benefits begins, but taking benefits early may affect the taxation of these benefits.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Tuesday, April 9, 2024 at 1:00 PM EDTYesRegister
Preview of Medicare Masterclass Series (May) and More
Presented by Melinda Caughill, Medicare Expert,
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Join Melinda Caughill, one of two Medicare experts who will lead the Masterclass, for an overview of the Medicare Masterclass Program we are hosting in May. Dates below.  Melinda will review learning objectives and the major topics for each of the four sessions of the Medicare Masterclass program.  Why Medicare? Healthcare costs have become retirees' number-one financial worry. Clients are desperately seeking advisors who do not sell Medicare insurance to provide them with meaningful guidance about Medicare and healthcare in retirement. Proof of this can be found in a 2023 Nationwide study in which 72% of respondents who have a financial advisor said they would consider changing advisors if their advisor cannot help them navigate Medicare choices. Continuing Education (CE) Credits
Each individual session will provide 2 CE credits to subscribers with the CFP and American College designations. Plus, CPE subscribers can earn 2 CPE credits by attending each individual session. The program has been submitted for approval for 6 CE credits for Investment Adviser Representatives (?IARs?(. IARs must attend all of the programs designated as IAR CE-eligible to earn the credits.   Medicare Masterclass Dates: Session #1: Planning for Medicare
Wednesday, May 8, 2024 | 1:00-3:30 PM ET (including Q&A) Session #2: Getting to Know Medicare
Wednesday, May 15, 2024 | 1:00-3:30 PM ET (including Q&A) Session #3: Enrolling in Medicare
Wednesday, May 22, 2024 | 1:00-3:30 PM ET (including Q&A) Session #4: Living with Medicare
Wednesday, May 29, 2024 | 1:00-3:30 PM ET (including Q&A)
Tuesday, April 9, 2024 at 4:00 PM EDTNoRegister
The Future of Investing
Presented by Harry Mamaysky, QuantStreet Capital
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Artificial intelligence, machine learning, and data analytics are transforming the investing landscape. Join Harry Mamaysky, partner at QuantStreet Capital and a professor at Columbia Business School, for a discussion of how technology and data are transforming the investing landscape. In this talk, you will learn how these tools can create value for your clients and your business. Harry will cover how forecasting analytics are changing the portfolio formation process, as well as how large language models can help to better assess the risk and reward embedded in investor portfolios. He will discuss how these tools are reshaping the financial services industry and what they are saying about today’s markets. He’ll also share some cautionary tales about the use of analytics and AI in investing.  
Wednesday, April 10, 2024 at 4:00 PM EDTNoRegister
Basis and Beyond: Planning for Non-Taxable Estates
Presented by Patrick Carlson, Vanilla
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As advisors, the value you can bring to clients through estate planning goes far beyond estate tax savings. Even for those clients who will never approach the $13.61M threshold for federal estate tax, there are important strategies that will help them better meet their goals and preserve generational wealth. In this webinar, Patrick Carlson, Product Counsel at Vanilla, will cover how to approach basis, capital gains, income tax, and more. In addition to foundational estate planning concepts, Patrick will discuss flags you should look for when examining an existing plan or helping craft estate strategies that are relevant for clients without estate tax worries.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Thursday, April 18, 2024 at 1:00 PM EDTYesRegister
Innovative Loan Solutions for Clients Building, Bridging or Leveraging
Presented by Mike Crossett, The Federal Savings Bank
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Join us for an exclusive webinar that will unveil the power of specialized loan options tailored for primary residences, vacation homes, and seamless property transitions. This session is designed to equip you with advanced knowledge and strategies in construction loans, portfolio loans, and bridge loan program so you can offer nuanced guidance when clients are building a new home, buying one without selling their current home and the power of portfolio loans for clients when traditional mortgages don't fit. Our expert speakers will dive into the intricacies of these loan types, focusing on how they can be effectively leveraged to meet your clients' unique needs without disrupting their broader financial strategies. Key Learning Objectives: Understanding Construction Loans: Master the dynamics of construction loans for both primary residences and vacation homes. Learn how to guide clients through the process, from securing funding for building their dream home to converting construction loans into traditional mortgages. Navigating Portfolio Loans: Explore portfolio loans as a flexible financing option for primary or secondary homes. Understand how these loans can offer solutions when traditional mortgages don’t fit, and how they can be tailored to high-net-worth clients with complex financial pictures. Leveraging Bridge Loan Programs: Discover the strategic advantages of bridge loans that allow clients to use the equity in their current home for purchasing a new property. Learn how these loans can be a game-changer for clients wanting to avoid the premature liquidation of other assets, ensuring a smoother transition in their real estate ventures.   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Tuesday, April 23, 2024 at 1:00 PM EDTYesRegister
What to say to Clients who've lost a Loved One
Presented by Kathi Balasek,
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At some point, clients will experience a significant loss of a loved one and, during retirement, there is a high probability that the loved one will be their spouse. It's hard for any of us to know what to say? It is especially important for financial advisors learn how to address this situations because 80% of widows leave their financial advisor within a year of their spouse’s death because they do not feel their advisor has addressed their needs. Advisors not only lose two clients, but they also lose the assets they have helped to build and the retention of those assets when they transfer to the next generation. I invite you to join Kathi Balasek, creator of Grief Literate Professional, to learn how to retain, connect and support clients and employees experiencing loss and grief. During this session you will learn about: The importance of building a grief literate culture and ‘brand compassion. How empathetic communication can help advisors retain, attract and serve grieving clients. What to say and, more importantly, what not to say. Additional opportunities for advisors to apply these tools in non-death related loss and grief. *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Wednesday, April 24, 2024 at 1:00 PM EDTYesRegister
Optimizing Credit Scores to Lower Insurance Premiums and MORE
Presented by Tiffany Cross, CredEvolv
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Credit scores are important to all of us, yet they are little understood by consumers and financial professionals alike. While many do recognize that credit scores impact things such as one’s ability to get a mortgage, very few realize that credit scores impact insurance premiums. This course, led by one of our highest-rated speakers and credit score expert, Tiffany Cross, is designed to educate financial professionals on how credit scores are calculated, reported and monitored. Most importantly, the course will teach the professionals how a credit score specific to insurance policies is used to determine insurance premiums and strategies for optimizing credit scores to lower insurance premiums. Note: This program has been approved for 1 state insurance CE credit in AZ, CO, DE, GA, IA, KS, MD, MO, MT, NE, NV, TN, TX, WI. We will update additional state approvals as they are granted. One CE credit will be provided to attendees for the CFP and American College designations. And CPA attendees can earn on CPE credit. As always, you must be a subscriber to earn CE and/or CPE credits.  At the conclusion of this one-hour course, the attendee shall: Understand how credit scores are calculated. The importance of monitoring them. Best practices for using credit. How to maintain and/or improve your credit score How credits scores impact insurance premiums
Tuesday, April 30, 2024 at 1:00 PM EDTYesRegister
Crisis Medicaid Planning and Medicaid Compliant Annuities
Presented by Dale Krause, J.D., LL.M., Krause & Associates
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Presented by Dale Krause, J.D., LL.M., a nationally recognized elder law attorney, this comprehensive webinar dives into the critical aspects of planning for long-term care, focusing on the financial strategies and legal tools available to manage the high costs associated with nursing home care. Attendees will gain an in-depth understanding of Crisis Medicaid Planning, a legal approach to restructure assets to meet Medicaid eligibility for those in immediate need of long-term care. Additionally, the seminar will cover the intricacies of Medicaid Compliant Annuities (MCAs), a financial product designed to protect assets while ensuring Medicaid eligibility. Note: The program is approved for state insurance CE credits in these states: AL, AZ, CO, DE, GA, IA, IL, KS, MA, MO, MS, MT, NC, NE, NJ, NV, TN, TX, VA, WA, WI, WV (CO, GA, MO, MS, NE, NV, VA--life and health lines only) We will update additional state approvals as they are granted. Two CE credits will be provided for attendees with the CFP and American College designations. And CPA attendees can earn two CPE credits. As always, you must be a subscriber to earn CE and/or CPE credits.  Learning objectives include: Understanding the fundamentals of long-term care planning and the financial impact of nursing home costs on estate planning. Gaining knowledge of Crisis Medicaid Planning, including the legal restructuring of assets to accelerate Medicaid eligibility. Exploring the role of Medicaid in long-term care, with a focus on income and asset eligibility requirements, and the implications for both the institutionalized individual and their community spouse.
Wednesday, May 1, 2024 at 1:00 PM EDTYesRegister
Navigating Prescriptions Costs in 2024: What Your Clients Need to Know
Presented by Tricia Prewitt,
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Join health consultant Tricia Prewitt to learn how to help clients take advantage of legitimate savings programs to save money on out-of-pocket prescription costs. This will include a look at savings cards and new offerings like Mark Cuban's Cost Plus Drugs Direct to Consumer platform that features 2,500 generic and brand name drugs.  Tricia's presentation is relevant for clients with traditional commercial insurance, as well as those clients retired with Medicare Part D Prescription plans. Knowing about these resources can help to enhance your clients overall financial health, when escalating prescription costs significantly impact a client's ability to support their long term financial objectives. Attendees will learn:  The impact of the Inflation Reduction Act on prescription costs 4 Basic ways to Save Money How Savings Cards (e.g. GoodRx) work and who they can benefit How Direct to Consumer Websites work 
Thursday, May 2, 2024 at 1:00 PM EDTYesRegister
Empowering Futures: Person-Centered Supports for Individuals with Special Needs
Presented by Kristin Carelton, Special Abilities Network
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As a financial professional, you play a crucial role in planning and securing the future of individuals with special needs, especially when their primary caregivers are no longer able to provide support. "Empowering Futures" is a comprehensive educational program designed to equip you with the knowledge and tools to create robust, person-centered support systems. This program features three pros with deep experience in special needs planning. The session will focus on legal, financial, and practical aspects of long-term care planning for individuals with disabilities. Key Modules and Learning Outcomes: 1. Understanding Microboards: Delve into the concept of Microboards - small, personalized networks created to support a person with special needs. Learn how to establish and manage these entities, and how they can provide tailored, long-lasting support. 2. Supported Decision-Making Frameworks: Explore alternatives to guardianship, emphasizing the individual's right to make their own decisions with the support of trusted advisors. 3. Navigating Conservatorship and Guardianship: Gain insights into when and how to implement conservatorship or guardianship. Understand the legal responsibilities and implications for the individual's autonomy and rights. 4. Power of Attorney Essentials: Learn the nuances of Power of Attorney as it relates to individuals with special needs, including the scope of decision-making authority and its limitations. 5. Strategies for Supported Living: Discover the various levels of supported living arrangements available, from independent living with occasional support to more comprehensive residential care options. Understand how to tailor these arrangements to the individual's unique needs. 6. Financial Planning for Long-Term Care: Integrate your knowledge of legal structures with financial planning strategies to ensure sustainable support for individuals with special needs. 7. Case Studies and Best Practices: Apply your learning to real-world scenarios, examining successful models of person-centered supports and discussing common challenges and solutions.
Tuesday, May 7, 2024 at 1:00 PM EDTYesRegister
Financial Planning for LGBTQ Clients
Presented by George Schein, JD, ChFC, CLU, Nationwide Research Institute
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As more Americans are “coming out of the closet” and identifying as LGBTQ, it is more likely that financial professionals will work with clients who are members of the LGBTQ community. LGBTQ individuals often will have different concerns and seek out different advice from those of “typical” heterosexual clients that financial professionals may be more familiar with. This webinar, led by George Schein from Nationwide, aims to raise awareness of some of the special considerations that come into play when working with LGBTQ clients. The learning objectives include: Learn about how LGBTQ+ discrimination, particularly in the workplace, impacts the financial lives of all LGBTQ+ individuals. Think through ways to help with the finances involve in family planning for LGBTQ+ couples . Understand the critical importance of planning for LTC for LGBTQ+ individuals.
Thursday, May 9, 2024 at 1:00 PM EDTYesRegister
Ethics and Fiduciary Duties in Investment Advisory
Presented by Michelle Atlas-Quinn, J.D., AdvisorLaw
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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. THIS IS PENDING APPROVED FOR IAR CE CREDITS. 
Tuesday, May 14, 2024 at 2:15 PM EDTYesRegister
Learn Social Security from A to Z from an Expert
Presented by Kurt Czarnowski,
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Social Security is simple, until it isn’t. Join former Social Security Director Kurt Czarnowski to sharpen your knowledge of the many important aspects of Social Security, to include the following. Even if you have a solid understanding of Social Security, I encourage you to attend because you will learn from Kurt.  Multiple ideas for Optimizing benefits The Health of the SS Trust Fund and Possible Fixes Split Social Security Strategies How Social Security works for Government Employees How Social Security Disability works Social Security for Divorced Clients and Survivors
Tuesday, May 21, 2024 at 1:00 PM EDTYesRegister
The 411 on Owning Real Estate in A Self-Directed IRA
Presented by Daniel Gleich, Madison Trust Company
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Join Daniel Gleich, CEO & President, and William Osborne, Account Executive at Madison Trust, as they delve deeper into the world of investing in real estate with a Self-Directed IRA. Learn more about the mechanics of self-directed investing in real estate, including how expenses should be paid and other key considerations. Learning Objectives: Understand what a Self-Directed IRA is, including its potential tax advantages. Gain insights into the benefits of investing in real estate through a Self-Directed IRA. Explore the process of managing your real estate investments within a Self-Directed IRA. Understand the role of custodians and TPAs in facilitating real estate investments within Self-Directed IRAs. Learn about potential tax implications specific to real estate investments within Self-Directed IRAs.  Identify the types of real estate investments that are considered the most popular to hold with Self-Directed IRAs.
Thursday, May 30, 2024 at 1:00 PM EDTYesRegister
What Clients need to Know to Picking the Right Corporate Entity
Presented by Nellie Akalp, CorpNet
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Many business owners can easily get overwhelmed when it comes to understanding and choosing a legal entity for their own business. Which should they choose? What factors determine which entity is best? What state should they register in? In this webinar, Nellie Akalp will detail strategies for incorporating and maintaining a business, to include: Summarize entity options along with their advantages, disadvantages, and tax implications Outline options on where to register a business Determine why entity conversion may be necessary and how to convert from one entity to another Define compliance tasks to stay in good standing, including meeting minutes and setting up a payroll   *CE/CPE Eligible: 1 CE credit is available to subscribers with these designations: CFP, CLU, ChFC and RICP. CPA subscribers will earn 1 CPE credit. Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Tuesday, June 4, 2024 at 1:00 PM EDTYesRegister
Helping Clients Address Emotional and Financial Worries
Presented by Dave Buck and Steve Krzywicki Jr., CFP®
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While financial insecurity is a big concern for those headed into retirement, it is not the only thing they worry about for their post-career life. Join Steve Krzywicki Jr., CFP®, CEO & Wealth Advisor at Beacon Bridge Wealth Partners and David Buck, Certified Professional Retirement Coach, founder of the Infinity Lifestyle Design, as they discuss how to understand and address the financial and emotional worries client’s experience headed into retirement. Steve and David will share examples and innovative solutions to monetary, medical, and emotional fears your clients have and are probably not telling you. To gain a personal perspective, you’ll also have the opportunity to take the Retirement Worry Analysis (RWA) allowing a better understanding of the broad range of concerns individuals and couples have as retirement approaches.
Tuesday, June 11, 2024 at 1:00 PM EDTNoRegister
Long-Term Care Insurance Update: Part 1
Presented by Lori Gubash, CLTC, FICF, Krause & Associates
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This dynamic two-part program, "Long-Term Care Insurance Update," is strategically designed to empower financial professionals with the latest knowledge and skills required in the evolving field of long-term care (LTC) insurance. The program comprehensively covers the essentials of LTC insurance, policy details, and ethical considerations in sales and management. Part 1 of the program focuses on the foundational aspects of LTC insurance. It begins with an introduction to long-term care, defining key terms and concepts such as “activities of daily living,” the differences between skilled and custodial care, and the impact of cognitive impairment. The session then explores various LTC delivery settings, including institutional facilities like nursing homes and Alzheimer’s care facilities, as well as home-based care options like home healthcare and adult day care. Participants will also learn about the costs associated with different care settings and the statistical risks of requiring LTC. Additionally, this part delves into Medicaid’s role in LTC funding, covering eligibility criteria, asset spend-down rules, and spousal impoverishment protection. Note: This program is approved for four state insurance CE credits in the following statesAL, AR, AZ, DE, GA, IA, IL, KS, LA, MA, MD, ME, MO, MS, MT, NC, ND, NE, NH, NV, OR, PA, SC, TN, TX, VA, WA, WI, WV Additional State Info: GA, LA, MD, MO, MS, NE, NV, RI, VA approved for life and health lines only The program has been submitted for approval with credits for the CFP and American College designations.  Learning objectives for Part 1 include: understanding the fundamentals of LTC and its various delivery settings, comprehending the cost implications and risk factors of LTC gaining insights into Medicaid’s involvement in LTC funding.
Thursday, June 13, 2024 at 1:00 PM EDTYesRegister
Estate Planning for IRAs in Second Marriages: Navigating Complexities
Presented by Bob Keebler, CPA/PFS, MST, AEP, CGMA,
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Estate Planning for IRAs in Second Marriages: Navigating Complexities is specifically designed for financial advisors. This session, led by Bob Keebler, aims to dissect the intricate challenges and strategies involved in estate planning for clients in second marriages, with a particular focus on IRAs. Bob will explore the nuances of family dynamics and goals, delve into the complexities of state property laws, community property issues, and the implications of marital agreements. Attendees will gain insights into the critical roles of ERISA and the Retirement Equity Act (REA) in estate planning, alongside an in-depth analysis of estate and federal taxation, including state-specific considerations. Bob will cover the post-mortem rules for various retirement accounts like Qualified Plans, IRAs, and Roth IRAs, emphasizing the special EBD rules and the latest updates from SECURE 2.0 – Act Section 327. He'll also discuss the potential risks associated with conduit trusts and provide a thorough understanding of State Law and UPIA, including the 10% Rule, 4% Rule, and Traditional Income Rule. The session will address fiduciary income tax issues, with a focus on the taxation of IRA distributions across different IRA types and the role of basis. Additionally, we'll explore the taxation complexities surrounding trust distributions, trapped income, and NUA in employer securities. The webinar will conclude with a segment on creative estate planning ideas, such as CRTs for second spouses, life insurance trusts, Roth conversions, out-of-state trust planning, QTIP trusts for estate tax reduction, and portability opportunities. This webinar is a must-attend for advisors seeking to enhance their expertise in estate planning for clients in second marriages.
Tuesday, June 18, 2024 at 12:00 PM EDTYesRegister
Long Term Care Insurance Update: Part 2
Presented by Lori Gubash, CLTC, FICF, Krause & Associates
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This session, which is Part 2 of the Long Term Care Insurance Update, advances into the specifics of LTC insurance policies and ethical considerations in sales. This segment examines current LTC insurance policy designs, differentiating between comprehensive and non-comprehensive coverage, and explaining benefit triggers. Key features such as benefit periods, elimination periods, inflation protection, and more nuanced options like free look periods and nonforfeiture options are covered. The session also addresses group LTC insurance, LTC Partnership programs, and alternative funding methods like reverse mortgages. The final segment emphasizes ethical sales practices, the underwriting process, and determining client suitability for LTC insurance. Note: This program is approved for four state insurance CE credits in the following statesAL, AR, AZ, DE, GA, IA, IL, KS, LA, MA, MD, ME, MO, MS, MT, NC, ND, NE, NH, NV, OR, PA, SC, TN, TX, VA, WA, WI, WV Additional State Info: GA, LA, MD, MO, MS, NE, NV, RI, VA approved for life and health lines only The program has been submitted for approval with credits for the CFP and American College designations.  Learning objectives for Part 2 include: developing an understanding of modern LTC insurance policy designs and features, learning about alternative LTC funding methods and LTC Partnership programs, enhancing ethical sales practices and client suitability assessment skills.
Thursday, June 20, 2024 at 1:00 PM EDTYesRegister
The Role and Responsibilities of an Executor
Presented by Liz O'Neil. Esq.,
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Join estate planning attorney Liz O'Neil to learn the key responsibilities that an executor or executrix (the terms are interchangeable, with "executor" being gender-neutral) assumes when overseeing an estate. The role of an executor is crucial, as they are legally responsible for managing the estate through the probate process according to the deceased’s will and applicable law.  Liz will review the primary responsibilities that include: Locating and Understanding the Will: The executor must locate the deceased's will, understand its contents, and ensure that it is the final version. Initiating the Probate Process: This involves filing the will with the appropriate probate court, which officially starts the process of estate administration. Identifying and Securing Assets: The executor needs to locate and secure all assets of the estate, including real estate, bank accounts, investments, personal belongings, and other property. Valuing the Estate: The executor must determine the value of the estate's assets. This may require appraisals for certain types of property like real estate, antiques, or artwork. Managing the Estate's Finances: This includes setting up an estate account to handle incoming funds and paying ongoing expenses, such as mortgages, utility bills, and insurance premiums. Paying Debts and Taxes: The executor is responsible for identifying any creditors of the estate and ensuring that valid debts are paid. They must also file final income tax returns for the deceased and pay any estate taxes that are due. Communicating with Beneficiaries and Heirs: Executors must keep the beneficiaries informed about the estate’s administration and distribute assets according to the will’s directives. Distributing the Remaining Assets: After debts and taxes are paid, the executor distributes the remaining assets to the beneficiaries as directed by the will. Dealing with Legal Issues: This can include interpreting the will’s terms, handling disputes among beneficiaries, or dealing with challenges to the will. Filing Final Paperwork.
Tuesday, June 25, 2024 at 1:00 PM EDTYesRegister
How to Use Real Estate in a Client’s Portfolio
Presented by Amy Arnott, CFA, Morningstar
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Should clients have exposure to real estate? If so, how much? In what types of accounts? How does real estate perform? And how does it help with portfolio diversification? These are all questions that Amy Arnott, CFA from Morningstar will address when she shares her insights on the pros and cons of investing in real estate. Amy’s presentation will focus on real estate investment trusts and REIT funds, as they are the most liquid type of asset for the average investor. Attendees will learn: The breadth of real estate investment options, including REITS and ETFs, and their role in a diversified portfolio. Effective strategies for investing in real estate, the correlation of real estate to equities and the impact on portfolio performance. The tax consequences of investing in real estate, including the benefits of REITS in tax-deferred accounts and recent tax-law changes.
Tuesday, July 2, 2024 at 1:00 PM EDTNoRegister
Navigating Retirement Plan Division in Divorce: A Comprehensive Guide for Financial Advisors
Presented by Diane Pappas, CDFA®, CQS™, Solutions For Divorce LLC
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In the intricate realm of divorce settlements, financial advisors play a crucial role in safeguarding the fair and accurate division of retirement assets. However, a common hurdle emerges when clients and their legal counsel lack clarity about the nature of these assets. The repercussions of mismanaging such division can be significant – from the ineffectual use of a Qualified Domestic Relations Order (QDRO) on non-qualified plans to the insufficient detailing in dividing significant assets like pensions, overshadowed by less substantial assets. Join us for an enlightening webinar led by Diane Pappas, a CDFA and seasoned Certified QDRO Specialist™. This session is designed to shed light on frequent oversights in ascertaining and dividing various types of retirement plans. Dive deep into the world of both qualified and nonqualified plans, encompassing defined contribution and benefit plans. The webinar will also tackle unique challenges associated with state pensions. We'll unravel the complexities of the marital coverture fraction for defined benefit plans, weigh the advantages and drawbacks of equalizing multiple accounts, and offer a concise overview of pension valuation timing. To further enhance your understanding, we will provide exemplary language for practical application. Learning Objectives: 1. Differentiate Retirement Plans: Gain a thorough understanding of the differences between qualified and nonqualified retirement plans, including defined contribution and defined benefit plans. 2. Master Marital Coverture Fraction: Develop expertise in applying the marital coverture fraction to defined benefit plans, ensuring equitable division in divorce scenarios. 3. Effective Strategy Development: Learn to evaluate and strategize the equalization of multiple retirement accounts, and acquire insights on the optimal timing for pension valuation.
Tuesday, August 20, 2024 at 1:00 PM EDTYesRegister
A Talk to Remember
Presented by Jandi Kelly, Ph.D., A Talk to Remember
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Nationwide studies demonstrate that 75% of retirees and 83% of adult children believe that "memories, values, and life lessons" are the most important elements of one's legacy to pass on to loved ones (Edward Jones & Age Wave, 2020; WellsFargo, 2019). Join Dr. Jandi Kelly, founder of A Talk to Remember, as she explains how financial advisors can become the stewards of their clients’ non-financial legacies by preserving their most important life memories and values in documentary films. Rob Costello, founder of Costello Financial Planning, will further advise how wealth managers can differentiate their firms and build relationships with the next generation by capturing their clients’ life stories as part of the legacy planning process. Additional topics will include: 1) the empirically documented benefits that storytellers and families experience by engaging in the life review process 2) how wealth management firms can facilitate a more personal connection with current and prospective clients by capturing their own story of origin and advisors’ life stories in firm legacy films
Thursday, October 31, 2024 at 1:00 PM EDTNoRegister