Upcoming Webinars

Long-term care continues to be a hot-button issue in today’s news cycle. As your clients continue to hear about the growing need, budding costs, and potential legislation, you need to be prepared to discuss long-term care planning options with them. In this session, The Krause Agency's Insurance Operations Manager, La Rae Mills, (who manages their LTCI relationships) will cover the how to plan and pay for long-term care while also addressing newer product options and current legislation impacting long-term care insurance. Attendees will learn: 1. The current state of long-term care and how long-term care insurance can help mitigate this risk 2. Trending alternative product options for when clients might not qualify for long-term care insurance 3. How future legislation may affect long-term care insurance and how advisors can best prepare   *CE/CPE Eligible: 1 CE credit is available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

This 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 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 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.

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

CE 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 instruments Identify basic fiduciary accounting principles Recognize select planning opportunities and traps Identify the requirements for a trust to be a qualified designated beneficiary of an IRA Determine 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. 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 domicile Recognize 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. This educational program, led by compliance lawyer Michelle Atlas-Quinn, provides a comprehensive guide for understanding and addressing critical compliance issues. The program is structured into four parts: Understanding SEC and NASAA Examinations: This section provides an overview of the roles and objectives of the SEC and NASAA in their examinations. It emphasizes the importance of compliance for investment advisers and highlights common focus areas such as fiduciary responsibilities and disclosure practices. Key Compliance Deficiencies: A detailed exploration of fiduciary obligations, disclosure and transparency, compliance programs, and custody of client assets. This part delves into common pitfalls, case studies on deficiencies, and best practices for maintaining compliance programs. Practical Compliance Strategies: The final section presents practical strategies for implementing effective compliance controls, including techniques for monitoring and reviewing compliance, and preparing for SEC examinations. It emphasizes the roles of compliance officers and the importance of thorough documentation and record-keeping. Overall, the program aims to equip Investment Adviser Representatives with the necessary knowledge and tools to navigate and adhere to compliance requirements effectively.

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 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 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 domicile Recognize common traps for the unwary practitioner

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 instruments Identify basic fiduciary accounting principles Recognize select planning opportunities and traps Identify the requirements for a trust to be a qualified designated beneficiary of an IRA Determine how to use IRD to fund charitable bequests

Join Medicare expert Melinda Caughill for an essential webinar designed to educate both financial advisors and their clients on the significant changes to Medicare taking effect in 2025, just in time for the Medicare Annual Enrollment Period. This session will provide critical insights into how these changes will impact Medicare beneficiaries and the strategies you need to know to optimize your healthcare coverage. Understanding these upcoming modifications will help you make informed decisions during the Medicare Open Enrollment, which runs from October 15 to December 7 each year. Learn how to navigate the new $2,000 cap on out-of-pocket prescription costs, the introduction of mid-year notifications for Medicare Advantage policyholders, and the new regulations for agents and brokers. By the end of this webinar, you will be able to: 1. Why every Medicare beneficiary should review their coverage EACH and EVERY year. 2. Understand the new $2,000 annual cap on out-of-pocket prescription costs: Learn how this cap will affect Medicare Part D enrollees and strategies to manage out-of-pocket expenses effectively. 3. Navigate the Medicare Annual Enrollment Period: Gain insights into the key dates and decisions to make, including switching between Original Medicare and Medicare Advantage plans. 4. Utilize Medicare Advantage supplemental benefits: Understand the new mid-year notification system and how to take full advantage of unused supplemental benefits. 5. Adapt to new regulations for agents and brokers: Learn about the upcoming changes to sales incentives and compensation for Medicare plans, ensuring beneficiaries receive unbiased and optimal advice.   *CE/CPE Eligible: 1.5 CE credits are available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1.5 CPE credits.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

This is session three of a four-part masterclass with expert Denise Appleby that will provide a comprehensive review of the distribution and portability rules for Traditional IRAs, Roth IRAs, and Employer Plans. This session will teach you how to avoid tax traps for beneficiary distributions from IRAs and Employer-Sponsored Retirement Plans. Advisors who attend this session will learn how to (1) Identify the different types of beneficiaries, (2) Know the distribution options available to beneficiaries, (3) Determine the steps that account owners and beneficiaries need to take to preserve the stretch opportunities for multiple generations and (4) Understand the penalty that could apply when beneficiaries do not meet distribution.   *CE/CPE Eligible: 2.0 CE credits are available to FEN Members with these designations: IAR, CFP, CLU, ChFC and RICP. CPA members will earn 2.0 CPE credits.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

The real estate market has undergone significant changes following the National Association of Realtors (NAR) settlement, and it's crucial for financial advisors to understand how these developments will impact clients buying or selling a home. The new regulations around compensation for buyer and seller agents present both challenges and opportunities. Advisors need to be well-versed in these changes to counsel their clients, as called upon, through real estate transactions. Join real estate professionals Darrell Done and Todd Swanson for a discussion of these important factors: 1. Direct Negotiation of Buyer Agent Compensation What to Know: Under the new rules, buyers must negotiate compensation directly with their agents, and this must occur before they begin touring properties. Client Impact: Buyers now have to explicitly agree to the compensation they will pay their agent. This shifts the traditional dynamic where the seller typically covers this cost through the sales price. Advisors should help clients assess how these costs affect their overall financial plan. 2. Mandatory Written Buyer Agency Agreements What to Know: A written agreement between buyers and their agents is now mandatory before any property showings can take place. This document will outline the scope of the agent’s representation and the terms of compensation. Client Impact: Buyers must be clear on the terms of the agreement to avoid surprises during the home-buying process. This may also introduce new legal considerations that could impact decision-making. 3. Increased Transparency in Agent Compensation What to Know: Compensation structures will now be more transparent, with a shift towards buyers directly compensating their agents. This changes the traditional model where seller-listed commissions included the buyer's agent fee. Client Impact: Buyers must be prepared to shoulder the responsibility of paying their agent, which could increase out-of-pocket costs. This could affect how much house a client can afford or require additional savings for transaction costs. 4. Shifts in Seller Dynamics What to Know: The settlement prohibits the listing of buyer agent commissions in the MLS (Multiple Listing Service), which means sellers are no longer implicitly covering this cost. Client Impact: Sellers may need to adjust their expectations and strategies when negotiating with buyers. They may need to offer additional incentives to attract buyers who now must bear the cost of their own agent’s compensation. 5. Potential Market Changes What to Know: The settlement is expected to disrupt the traditional commission structure, potentially leading to more negotiated rates and varied compensation agreements between buyers, sellers, and agents. Client Impact: The real estate market may see more customized commission agreements, making it important for clients to understand the full cost of buying or selling a home. These changes could also influence overall housing affordability.   *CE/CPE Eligible: 1 CE credit is available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

This 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 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 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.

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

*CE 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 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 domicile Recognize common traps for the unwary practitioner

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 instruments Identify basic fiduciary accounting principles Recognize select planning opportunities and traps Identify the requirements for a trust to be a qualified designated beneficiary of an IRA Determine 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. 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.

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

*CE 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 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 domicile Recognize common traps for the unwary practitioner

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 instruments Identify basic fiduciary accounting principles Recognize select planning opportunities and traps Identify the requirements for a trust to be a qualified designated beneficiary of an IRA Determine how to use IRD to fund charitable bequests

Assets in 529 college savings plans recently passed $500 BILLION as the flexibility of using account assets continues to grow beyond college tuition. Join Scott Morrison of Saving For College, the 529 industry's trusted resource for advisors and consumers, for an overview of changes and trends in the 529 education savings market including the recent Roth IRA rollover provisions. Additionally, Scott will review which 529 plans are most widely held by advisors and how these plans compared against their peers in Saving For College's recently released 2024 529 Ratings.

This is session four of a four-part masterclass with expert Denise Appleby that will provide a comprehensive review of the distribution and portability rules for Traditional IRAs, Roth IRAs, and Employer Plans. In this session, Denise will explain uncommon IRA strategies and often overlooked opportunities. Advisors who attend this session will learn about: (1) Myths about the back-door Roth conversion strategies, (2) Common questions about SECURE Act 1.0 and 2.0, (3) Critical gaps that must be filled to protect clients’ IRA savings and (4) Key IRA planning strategies for the year   *CE/CPE Eligible: 2.0 CE credits are available to FEN Members with these designations: IAR, CFP, CLU, ChFC and RICP. CPA members will earn 2.0 CPE credits.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Do you advise clients on life insurance? Are you concerned that the “full story" is not available with the typical life insurance illustration analysis. Are you disappointed that you can’t figure out which policy will lead to a better outcome for their clients? Would you like to learn how to meet the fiduciary standards as implemented by the CFP Board (in Jun 2020) as it relates to life insurance? Join life insurance educator Steve Zeiger for a CE-eligible presentation (2 CE credits for CFPs and IARs*) to learn: 1. Why the current standard of care--"side by side" life illustration comparisons are now considered “misleading”, “fundamentally inappropriate” and unreliable according to guidance from industry regulators. 2. The information required for life insurance decision-support material that conforms to the fiduciary’s duty to exercise care, skill, prudence, and diligence. 3. How to recognize when life insurance product recommendations are in your client’s best interest (as defined by NY Regulation 187 and generally accepted fiduciary principles including the FPA Practice Standard). 4. How to compare life insurance illustrations to life insurance industry benchmarks- just as you compare investment performance to investment industry benchmarks such as the S&P 500 Index or the DJIA. Note: Steve’s presentation is based on guidance from the UPIA, NYS DFS Reg 187, the OCC, FINRA and adjudicated lawsuits. *CE approval pending.    *CE/CPE Eligible: 2 CE credits are available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 2 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

This 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 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 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.

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

*CE 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 instruments Identify basic fiduciary accounting principles Recognize select planning opportunities and traps Identify the requirements for a trust to be a qualified designated beneficiary of an IRA Determine 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. 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 domicile Recognize common traps for the unwary practitioner

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.

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 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 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.

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 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 domicile Recognize common traps for the unwary practitioner

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 instruments Identify basic fiduciary accounting principles Recognize select planning opportunities and traps Identify the requirements for a trust to be a qualified designated beneficiary of an IRA Determine how to use IRD to fund charitable bequests

This session features a pioneer in the field of caregiving, Denise Brown, and a financial planner, Sandy Adams, CFP, who has a Masters in the field of Gerontology. During this 90-minute program, Denise and Sandy will teach you about the experience of your clients who care for a family member. Throughout the caregiving journey, which can last from six months to more than 10 years, the role of family caregivers evolves – and so should the services and the support they receive. The Six Caregiving Stages describes the path that family caregivers take – from Expectant Caregiver, to Freshman Caregiver, to Entrenched Caregiver, to Pragmatic Caregiver to Transitioning Caregiver to Godspeed Caregiver. Most important, the stages – and their related Stumbles and Steadies — provide a map for financial planners to effectively support their clients throughout their experiences. More than 65 million persons in the US provide care to a family member and the numbers will continue to grow. The program objectives are: To educate financial planners about the evolution of the personal caregiving experience, which changes over time. To inform financial planners about effective planning and guidance they can offer given the family caregiver's stage. To provide financial planners a frame work which describes the family caregiver experience so they can be an appropriate referrals to support during each caregiving stage.   *CE/CPE Eligible: 1.5 CE credits are available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1.5 CPE credits.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Join CPA Larry Pon for an insightful and practical webinar designed to equip financial advisors WITH SMALL BUSINESS CLIENTS with the essential knowledge needed to effectively advise clients on business valuations and redemption agreements for closely held businesses. In light of the recent Supreme Court ruling in Connelly vs. US, this session will delve into critical aspects of valuation, redemption agreements, and strategic planning for estate taxes. Key Takeaways: 1. Understanding the Supreme Court Ruling: A brief review of Connelly vs. US and its implications. How the ruling affects the valuation of stock in closely held businesses. Key insights on the obligation of an entity to buy a deceased equity owner’s shares and its impact on insurance proceeds. 2. Valuation of Closely Held Business Stock: Best practices for accurate business valuations. Common pitfalls and how to avoid them. Strategies to ensure fair and defensible valuations for tax purposes. 3. Reviewing and Structuring Redemption Agreements: The importance of regularly reviewing clients' redemption agreements. Practical steps for structuring effective redemption agreements. How to align redemption agreements with current legal and financial standards. 4. Planning for Estate Taxes with TCJA Expiration: Implications of the TCJA expiration and lower estate exclusion thresholds. Evaluating the need for life insurance to cover potential estate taxes. Strategic advice for clients to safeguard their estate and business legacy.   *CE/CPE Eligible: 1 CE credit is available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1 CPE credit.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

This 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 credit hours for Investment Advisor Representatives.

Join the co-founders of EverSafe, Liz Lowey and Howard Tischler, for a demo of their program that a growing number of financial advisors are relying on to help clients protect against fraud, identity theft, and age-related issues. EverSafe is a powerful technology that serves as a “second set of eyes” for seniors and caregivers tracking and analyzing one's family’s finances, credit, bills, and even real estate across MULTIPLE institutions. Here is a quote from a client: "I received alerts on my 85-year-old aunt’s checking account. Turned out a new “friend” was forging checks and planning to move her to a nursing home in another state. Thank you, EverSafe!" Tom G.

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

Approximately 25% of the US is Childfree or Permanently Childless and that number is growing. Childfree is defined as people who don't have children and never will have children. The challenge is that nearly all financial planning assumes you either have kids, or will have kids. Childfree people have unique considerations for their life, financial and estate plans that go well beyond just removing kids from the picture. Join financial planner Jay Zigmont, who specializes in Childfree Planning, when he addresses these topics: Who are Childfree people? Everything starts with understanding this growing demographic, including what to do and what to not do with Childfree people. How does being Childfree impact life? Living a life of Childfree Wealth means you have time, money, and freedom to do what you enjoy. It can be almost too much freedom at some times, and means their financial plan constantly changes. How does being Childfree impact finances? Childfree people often embrace the concepts of FILE (Financial Independence, Live Early) and Die With Zero. What happens to your financial plan when retirement and passing on money is not the goal? What about estate planning for Childfree people? Estate planning can be a challenge without a next of kin. How can you build a system that supports Childfree people and embraces Die With Zero?

This comprehensive session, led by personal finance educator Brian Page, is full of evidence-based practical ideas and resources for financial planners to use to support couples transitioning to marriage. Initial money conversations can be frightening for some couples. In our introductory segment, we will share research-based approaches to help couples talk openly and honestly about money. Brian will also address how couples can work through the emotions commonly accompanied by discussing their own financial circumstances. In the second segment of this webinar, Brian will discuss the more practical and common financial questions couples pose as they work through the process of getting married: Should we combine bank accounts, keep them separate, or use the Yours, Mine, and Ours strategy? What does the research say? How do we coordinate our retirement contributions to fully capitalize on employer matches? In the third segment, financial planners will be shown the brand new family financial planning calculator, designed to empower couples to make short-term and long-term financially informed decisions when calculating the cost of having their first child. In the final segment, Brian will share how dual-career couples can construct a home management plan that empowers both spouses to pursue their career ambitions without unfairly burdening one or the other with an unfair amount of home labor.

With a presidential election on the horizon, understanding potential shifts in tax policy is critical for financial advisors looking to guide their clients effectively. Join nationally renowned CPA Bob Keebler for an insightful webinar that explores what you might expect if Kamala Harris becomes President and how tax policies could shift if Donald Trump returns to office.Key Takeaways:Potential Tax Policies Under Kamala Harris: Gain insight into how a Harris administration might impact income taxes, capital gains, estate taxes, and business taxation. Learn how her proposed policies could influence your clients' financial planning strategies.A Second Trump Term—What’s on the Horizon? Explore what a renewed Trump presidency could mean for current tax cuts, corporate taxes, and estate planning. Discover the likelihood of further extensions of past reforms and how they could shape your advisory practice.Preparing Clients for Change: Learn practical tips for discussing potential tax changes with clients, strategies for proactive tax planning, and how to adjust your clients' financial plans to remain flexible in the face of new legislation.This webinar will equip you with the knowledge and tools to stay ahead of the curve, anticipate changes, and position your clients for success—no matter which direction the political winds blow

Trust, tax, and estate planning is essential components for IRAs. Without them, significant amounts could be lost to federal and estate taxes for IRA owners and their beneficiaries. Join nationally renowned experts Bob Keebler and Alan Gassman to learn the following: • Roth conversion strategies • Strategies for reducing the tax impact of IRA distributions • When it makes sense for a trust to be the beneficiary of an IRA • General estate planning strategies for IRAs Course Outline Section 1: Roth Conversion Strategies (30 minutes)- Keebler Critical Roth conversion concepts after SECURE Roth conversions for rate arbitrage compared to traditional IRAs to trusts 10+ Reasons to convert to a Roth IRA “Stretch” Roth IRAs for eligible designated beneficiaries Section 2: Insurance Strategies for IRAs (30 minutes)- Keebler Powerhouse Life Insurance Strategies Understand the Income and Estate Tax-Free Benefits of IRA relocation (i.e., utilizing IRA distributions to Purchase Life Insurance) Learn Advanced Insurance Strategies Including Policy Designs to Maximize ROI Debt financed life insurance strategies Section 3: Types of Trust Beneficiaries for IRAs (20 minutes)-Gasman Conduit Trust vs. Accumulation Trust Comparing Characteristics of an IRA CRUT and an Accumulation Trust Tiers of Beneficiaries- Which Beneficiaries’ Count for RMD Purposes? Special trust provisions for spouse beneficiaries Special trust provisions for minor children of the IRA owner Section 4: Estate Tax Planning for IRAs (20 minutes)-Gasman The Effects on See-Through Trusts The Stretch CRUT 10 Year Rule vs. Charitable Remainder Trust Planning for Ownership and Inheritance of Pension and IRA Accounts   *CE/CPE Eligible: 2.0 CE credits are available to FEN Members with these designations: IAR, CFP, CLU, ChFC and RICP. CPA members will earn 2.0 CPE credits.  Field of Study: Specialized Knowledge Prerequisites: There are no prerequisites for this session. Advanced Preparation: None Program Level: Basic Delivery Method: Group Internet Based NASBA Approved Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Join special needs planner Kristin Carleton for a webinar designed for financial advisors who are committed to enhancing their expertise in special needs planning across multiple generations. In this session, Kristin will explore the complexities and unique challenges associated with special needs planning, and demonstrate how to effectively use planning software to create comprehensive and sustainable plans. Kristin will cover best practices for communicating these strategies to clients in a clear and compassionate man Agenda: Framing the Problem: Understanding the Unique Challenges Introduction to special needs planning and its importance for families. Key considerations when planning for individuals with special needs across multiple generations. Common pitfalls and challenges faced by financial advisors in this niche. Utilizing Software for Special Needs Planning: Step-by-Step Guide Overview of leading software tools available for special needs planning. Detailed demonstration of how to use these tools to create robust financial plans. Tips for integrating these software solutions into your existing workflow. Effective Client Communication: Bridging the Gap Strategies for presenting complex plans to clients in an understandable and empathetic way. Techniques for ensuring client engagement and comprehension. Role-playing scenarios and examples of successful client interactions. Key Takeaways: A comprehensive understanding of the multi-generational aspects of special needs planning. Hands-on knowledge of how to utilize specialized software to enhance planning efficiency and accuracy. Practical communication skills to effectively convey complex strategies to clients, ensuring their peace of mind and trust in your expertise. Who Should Attend: This webinar is ideal for financial advisors, estate planners, and other financial professionals who work with families that have members with special needs. Whether you are new to special needs planning or looking to deepen your knowledge, this session will provide valu

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

In this sequel to the highly rated Cyber Security webinar, Aryn Johnson, will use case studies to educate your on the most common types of cybercrimes* and the strategies for avoiding them. Plus, she will review how to insure and protect yourself, children and business from them.  Aryn is an excellent presenter, with deep knowledge of both cyber crime and insurance options clients can use to protect against this risk and other personal risk.  *The most common types of cybercrime: Identity theft, social engineering, fraud schemes, phishing scams, online dating, new technology and currency threats.  

Join Medicare guru Melinda Caughill for a comprehensive webinar tailored specifically for financial advisors who serve veterans and federal employees. Navigating the complexities of Medicare and the various health insurance options available to these groups can be challenging. This session will provide financial advisors with the knowledge and tools necessary to guide their clients through the intricacies of Medicare, Tricare, FEHB (Federal Employees Health Benefits), and other relevant health insurance programs. Understanding the interplay between these options and how to maximize benefits is crucial for providing optimal advice to your clients. By the end of this webinar, you will be able to: 1. Differentiate between Medicare and Tricare benefits: Understand how Medicare integrates with Tricare for Life for veterans, including enrollment periods and coverage details. 2. Navigate FEHB and Medicare coordination: Learn how Federal Employees Health Benefits (FEHB) work alongside Medicare, including the advantages and considerations for federal retirees. 3. Identify key enrollment periods and deadlines: Gain insights into critical timelines for enrolling in Medicare and other health insurance plans, ensuring your clients do not miss important deadlines. 4. Optimize health insurance strategies for veterans and federal employees: Develop strategies to help clients make informed decisions about their healthcare coverage, balancing costs and benefits effectively.

In this webinar, led by Jennifer Reeder from The Alzheimer's Foundation, listeners will learn about the cognitive and behavioral symptoms of Alzheimer’s disease and related dementias that can result in a person getting lost when attempting to find their way or achieve a goal. This can happen at any stage of the disease. Listeners will also explore common reasons as to why someone with Alzheimer’s disease or related dementias may attempt to leave their environment and what they may be trying to achieve. The ultimate goal of the course is to reframe the term “wandering” as a behavior that needs to be controlled to “walking” an activity that creates a sense of purpose and has been shown to enhance overall health and wellbeing. Finally, listeners also learn how to create a safety plan to address the risks associated with wandering. From this course you will learn to: Demonstrate an understanding of Alzheimer’s disease and how a person can get lost or wander at any stage of the disease. Describe what it may be like to walk in the shoes of someone wandering. Explain an alternate perspective of wandering as the act of walking. Identify strategies to reduce the risks associated with wandering while supporting physical activity

As the cost of college continues to rise, it’s critical for financial advisors to help families navigate the complex world of financial aid. This webinar provides an in-depth guide for financial advisors on best practices to maximize their clients' opportunities for financial aid through the Free Application for Federal Student Aid (FAFSA). Join college financial aid expert Mark Kantrowitz to learn best practices for completing the FAFSA to understanding the Student Aid Index (SAI)—the new metric replacing the Expected Family Contribution (EFC)—and how these changes impact financial aid eligibility. The FAFSA has undergone significant updates, including a streamlined form and changes to how assets and income are assessed. Advisors will learn how these adjustments affect both the aid process and strategies for optimizing eligibility. Key Takeaways: FAFSA Best Practices: Guidance on filling out the form accurately and efficiently to avoid costly mistakes. Understanding the Student Aid Index: A primer on how the SAI is calculated and how it differs from the EFC. Recent FAFSA Changes: Overview of the form's latest updates and how they impact financial planning strategies. Optimizing Financial Aid Eligibility: Techniques for timing income, asset allocation, and planning for future years to maximize aid. Common Pitfalls and How to Avoid Them: Key issues families face when completing the FAFSA and how advisors can guide them through. This session will provide you with the tools to confidently advise your clients on how to navigate the financial aid process and maximize the amount of aid their children can receive

Join insurance educator Robert Uribe for CE-eligible program (including state insurance CE - see below) for a deep dive into the world of pet insurance, helping you gain essential knowledge to guide clients as they navigate the often-overlooked risks associated with pet ownership. From unexpected illnesses to sudden accidents, the financial impact of caring for a pet can be significant. Robert will explore real-life cases where pets faced life-threatening situations, highlighting the importance of insurance in mitigating the costs of veterinary care. The session will cover the range of expenses owners may incur, even for healthy pets, and how pet insurance can offer protection against both routine and unexpected costs. Participants will get acquainted with the different types of coverage available, learning how these policies, while marketed as “health” insurance, are fundamentally property and casualty products. Robert will provide a comparative analysis of leading pet insurance providers, helping advisors understand the nuances of policy premiums, coverage summaries, and the factors that influence ratings and discounts. Additionally, the session will address the unique considerations for insuring exotic pets, discuss the growing pet insurance market in the U.S., and evaluate the suitability of these products for different client profiles. By the end of the webinar, advisors will be equipped to offer informed guidance to clients seeking to protect their beloved pets with the right insurance coverage. This program is approved for 2 state insurance CE credits in the following states: States Approved
AL, AR, AZ, CA, CO, DE, FL, IA, IL, KS, LA, MS, MT, NC, NE, NJ, NV, OR, TN, TX, VA, WA, WI, WV Additional State Info
CA, CO, LA, MS, NE, NV approved for P&C only    

Identifying investment goals is a critical step in developing sound investment plans that help investors succeed. When individuals are left to their own devices, however, they often fail to identify a substantial number of their own top goals. Join Morningstar's Ryan Murphy and Samantha Lamas as they share their research on this phenomenon, new ways to help clients better understand themselves, an explanation of what drives them as investors (and people), and how you can develop tailored plans to serve their needs. Our findings are useful to advisors as they both grow their business and demonstrate their unique value in creating and delivering personalized advice.

At the most basic level, the Generation Skipping Transfer Tax (GSTT) is a federal tax that applies to transfers of property or wealth that skip a generation. But who, exactly, does this tax apply to, and why does it exist at all? In this webinar, Patrick Carlson, Vanilla’s Product Counsel, will review what advisors need to know about the GSTT, how it might affect clients, and to approach the tax in estate planning.