Upcoming Webinars

Qualified Small Business Stock (QSBS) under IRC §1202 offers one of the most powerful tax incentives available to investors and founders—but only if you understand how to use it. In this CE-eligible session, Caleb Powers of U.S. Boston Growth Capital walks you through the core benefits, qualifications, and advanced planning strategies behind QSBS. Learn how investors can potentially exclude 100% of capital gains (up to $10M or 10x basis) and how advisors can bring substantial value by identifying clients who qualify.Topics include:The history and mechanics of §1202Entrepreneur and investor eligibility testsThe $50M gross assets and active business requirementsThe powerful §1045 rollover strategy for reinvesting gainsAdvanced planning tactics like “stacking & packing” for maximizing exclusionsHow to build and maintain a QSBS “paper trail” that satisfies the IRSIf you advise business owners, investors, or high-net-worth individuals, this webinar will give you practical tools to help clients reduce capital gains—and increase after-tax outcomes. *CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
  

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

*CE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives.This course is on the intergenerational transfer of property and will focus on what CPAs should know about trusts and estates. It will cover many topics ranging from fundamental legal principles of trusts and estates to how language in the trust instrument accomplishes a particular tax result.We will also discuss the legal definitions and principles of estates and trusts, the basic principles regarding property ownership, and the types of trusts commonly used. We will also delve into trust accounting fundamentals and the specific clauses that are important to understand, including formula valuation clauses.Learning Objectives:Determine how to read and understand estate planning instrumentsIdentify basic fiduciary accounting principlesRecognize select planning opportunities and trapsIdentify the requirements for a trust to be a qualified designated beneficiary of an IRADetermine how to use IRD to fund charitable bequests

*CE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives - Products and Practices.In this webinar, Wade Pfau reviews the different tax advantages available in the tax code and how to create tax diversification as a foundation for retirement. Wade dives into tax-efficient retirement distributions, including effective marginal tax rate management, strategic Roth conversions, and long-term capital gains harvesting. Wade also covers pitfalls with generating more taxable income, including the Social Security tax torpedo, increased Medicare premiums, and the impacts of tax-preferential sources of income. The webinar finishes with a detailed example to show how more tax-efficient retirement distributions using strategic Roth conversions can significantly extend retirement portfolio longevity.

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

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

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

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

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

Join Tom Dickson from Financial Experts to learn about the many new features and programs available to Financial Experts subscribers. This includes the following:Tax Planning Masterclasses available ON-DEMANDWebsite Enhancements: Invoices, Personalization, Profile for CE CreditsWill provide CE Credits for CDFAs. This is in addition to CFP, American College, IAR, CPA and EA.New Referral Program. One Month "free" for every new subscriber you refer!

Want to grow your confidence when speaking to audiences of any size? Join advisor coaches Beth Fitzgerald and Holly Reimel for an engaging session designed to help financial advisors speak with confidence and increase the impact of their presentations.Participants will learn how to:Speak with confidence—whether presenting to 2 or 200 people—so they come across as fearless and memorable.Identify why their talks may not be converting and how to address those gaps.Apply a repeatable framework to consistently attract ideal clients through speaking engagements.

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

Financial advisors and retirees alike face a critical question: when and how should assets be drawn from tax-deferred and Roth accounts to maximize after-tax wealth? In this data-driven session, Professor James DiLellio presents groundbreaking research that directly compares the outcomes of Roth conversions versus early drawdowns from mixed retirement accounts. His analysis reveals that multiple strategies can achieve the same optimal after-tax results—many of which are surprisingly resilient to market risk.Attendees will explore how tax-efficient withdrawal strategies can balance income needs, risk tolerance, and estate planning goals. The presentation also highlights when forgoing Roth conversions can reduce longevity risk exposure and improve long-term tax efficiency, particularly for retirees with significant unrealized capital gains. This session bridges academic rigor with practical application, equipping financial professionals to guide clients through one of the most complex—and consequential—decisions in retirement planning.Learning Objectives:Compare the tradeoffs between early tax-deferred account distributions and Roth conversions, and understand why optimal after-tax outcomes may be identical under multiple strategies.Identify key client factors—asset mix, income needs, planning horizon, and tax sensitivity—that drive optimal after-tax retirement income decisions.Evaluate how market volatility and longevity risk influence decision-making and determine when avoiding Roth conversions may better align with long-term estate and tax goals.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, IAR, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
 Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
 NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

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

In today’s evolving financial landscape, understanding the distinctions between professional designations is essential for collaboration, compliance, and client success. This webinar demystifies the differences between Certified Financial Planners (CFPs®) and Enrolled Agents (EAs) — two of the most respected credentials in financial and tax advisory services. Join CFP and EA Adam Scherer for an insightful session that explores how each designation approaches client planning, taxation, and compliance, and how these professionals can complement each other to deliver holistic financial strategies.What You’ll Learn:Scope of Practice: Understand the professional boundaries and regulatory oversight of CFP® practitioners vs. EAs.Educational and Exam Requirements: Learn the pathways to earning each designation and what distinguishes their core competencies.Client Focus: Explore how CFPs® emphasize comprehensive financial planning, while EAs specialize in advanced tax representation and strategy.Ethical Standards and Oversight: Examine the fiduciary duties, continuing education, and disciplinary frameworks governing both credentials.Collaboration in Practice: Discover how CFPs® and EAs can work together effectively to provide clients with seamless financial and tax advice.Key Takeaways: Attendees will walk away with a clear understanding of the unique value each designation brings to client relationships, and how integrating both disciplines can elevate the quality of financial advice and tax planning outcomes.

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

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

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

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.

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

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

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

Join us for an exclusive presentation, led by 3 experienced M&A lawyers from AdvisorLaw, designed for financial advisors considering succession, sale, or growth through M&A. The presenters will provide a clear overview of how M&A works in the advisory industry, and walk through real-world deal structures and outcomes. You’ll learn the key elements of M&A contracts and what every seller should know before signing. Plus, the attorneys will address the ten most common questions sellers ask when evaluating a transaction—and how to navigate them to achieve the best results. Whether you’re years from retirement or actively exploring a transition, this session will give you the knowledge and tools to approach M&A with confidence.

Scott Morrison, head of product at Saving for College shares insights on 529 college savings plans in 2025. Highlighting the growth of the market to over $500 billion with 16 million accounts today, he notes that only 15% of U.S. households currently use 529 plans. Scott explains recent legislative Big Beautiful Bill expansion allowing 529 funds to cover K-12 tuition (increasing to $20,000/year in 2026), registered apprenticeships, workforce training, and student loan repayment.Scott will also discuss "Trump accounts," newly introduced conservative investment accounts for education savings with limits and upcoming regulations, contrasting them with 529s, as well as detailing new provisions enabling leftover 529 funds to roll over tax-free into Roth IRAs under a number of strict conditions that advisors should be aware of.

Medicare Open Enrollment is underway — this is already turning out to be craziest one ever! With the current government shutdown, insurance agent commissions coming to an end, and insurance carriers pulling out of markets all over the country, consumers are scratching their heads over their Medicare decisions for the next year. Join Melinda Caughill, one of the nation’s leading educators on Medicare, to learn the key considerations that can save your clients thousands of dollars, reduce healthcare-related stress, and strengthen your role as their go-to resource for retirement-related needs.You’ll learn:What’s changing for 2026 Medicare premiums, deductibles, and plan optionsHow the cost shifting of the Inflation Reduction Act is dramatically impacting the overall Medicare market todayCommon Medicare open enrollment myths that can lead to costly mistakesHow advisors can better support clients during Medicare Open Enrollment

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

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

*CE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE Products and Practices credit hours for Investment Advisor Representatives.This program, which features tax attorney Joe Endres, will address applying residency tax rules to commuters, occasional visitors, and full-time residents of the various states. It will also identify the practices most states use to determine if a taxpayer has "truly" changed their residence. For example, changing your residence from a high-tax state (think NY, NJ & CA) to a low or no-tax state (think FL) can dramatically reduce the amount of state taxes you have to pay. But high-tax states don't let their residents go smoothly. If you continue to maintain any connection to the former residence (think snowbirds), the high-tax state may contest that you genuinely changed your residence. Note that Mr. Endres specializes in residency and local taxation matters and has represented numerous clients in cases related to this issue.In this webinar, Mr. Endres will teach you how states determine a taxpayer's residency and how to make the states respect your residency change.Learning Objectives:Determine statutory residence rules and how to count a "day"Identify concrete steps necessary to change your domicileRecognize common traps for the unwary practitioner

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

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

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

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.

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

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

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

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

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

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

*CE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives - Products and Practices.In this webinar, Wade Pfau reviews the different tax advantages available in the tax code and how to create tax diversification as a foundation for retirement. Wade dives into tax-efficient retirement distributions, including effective marginal tax rate management, strategic Roth conversions, and long-term capital gains harvesting. Wade also covers pitfalls with generating more taxable income, including the Social Security tax torpedo, increased Medicare premiums, and the impacts of tax-preferential sources of income. The webinar finishes with a detailed example to show how more tax-efficient retirement distributions using strategic Roth conversions can significantly extend retirement portfolio longevity.

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

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

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

Many financial planners have clients who own rental properties—yet few have real insight into whether those properties are actually performing. Like other held-away assets, real estate often sits outside the advisory conversation, leaving opportunities untapped and risks unchecked.That’s where Todd Swanson and Dan Williams come in. With over 20 years each as real estate investors, mortgage professionals, authors, and financial educators, Todd and Dan bring a planning-first approach to real estate that integrates seamlessly into retirement and financial planning conversations.💡 In this power-packed one-hour session, they’ll introduce:Simple but powerful metrics to help you assess rental property performanceConversation-starting tools that reveal whether a client’s real estate is building wealth or draining itCompliant, advisor-friendly strategies for engaging clients around real estate like a proReal-world case studies that will show you how to help clients increase cash flow, reduce risk and optimize their real estate as a true wealth-building assetThis is not just another webinar—it’s a strategic upgrade to your client conversations.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, IAR, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Few names in financial planning carry as much weight as Bill Bengen, the father of the 4% Rule. In this CE-eligible webinar, Bill will share the latest evolution of his groundbreaking research on sustainable withdrawal rates — insights that continue to shape how financial planners design retirement income strategies.Advisors will gain a deeper understanding of:The origins and evolution of the 4% Rule — now updated to the “4.7% Rule” based on expanded asset classesHow to build and customize a retirement withdrawal plan that accounts for time horizon, tax status, legacy goals, and asset allocationThe critical role of inflation regimes and market valuations in determining “SAFEMAX,” the highest safe initial withdrawal rateReal-world case studies that highlight how to adjust withdrawal plans during market downturns, inflationary spikes, and periods of uncertaintyBill will also discuss his new framework for selecting withdrawal rates using Shiller P/E ratios and inflation trends, helping planners better align withdrawal strategies with today’s challenging market environment. Join us for a rare opportunity to learn directly from an industry legend and walk away with actionable strategies you can apply immediately in client conversations and retirement income planning.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, IAR, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Year-end tax planning in 2025 will be especially important and effective. The OBBBA changes to the tax code and market volatility provide excellent low-risk opportunities and traps for the unwary. Start planning now to ensure you have the time to meet with clients, review their situation for ideas, and demonstrate your value. Join Bob Keebler, CPA to learn ideas to act on before year-end to maximize your client’s financial preparedness while minimizing tax liabilities – including topics like these and more:Tax planning - Bracket management, SALT planning and moreInvestment planning - Gain and loss harvesting, interest income to capital gains, loss carryforwards, oil and gas, opportunity zonesRetirement planning – Include advanced Roth ConversionsEducation planning - Funding tax-preference accounts: 529 accountsSmall business planning - Section 199A deduction planning and accelerating deductionsEstate planning - Year-end estate and gift plansLearning OutcomesIdentify crucial topics to discuss with your clients this yearUnderstand the variety of last minute retirement planning availableDetermine conversations to have with your client’s estate attorneysDiscover steps to reinforce your position as your clients’ trusted advisor*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, IAR, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

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

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

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

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

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

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

How do you know when a client who seems to be struggling with memory loss can still manage his or her finances? How can you help a family make a good decision about whether that family member can continue to manage the finances?During this workshop, we’ll share a tool developed by Plans4Care that generates an Everyday Function Scale which offers insights into the abilities of a person with dementia. The scale offers guidance as to whether or not a person with dementia can still manage money, for instance. The Everyday Function Scale can help you and your clients make informed decisions to protect those with memory loss and a dementia diagnosis.Denise M. Brown, who develops caregiving coaching programs, will be joined by Sandra D. Adams, CFP®, partner with Center for Financial Planning, Inc., and Eric Jutkowitz, PhD, co-founder of Plans4Care. They’ll share how a financial planner could use the Everyday Function Scale with clients and when it may be helpful to refer clients to coaches, like Certified Caregiving Consultants, for more personalized support. They’ll walk through a case study of how the tool supported a family impacted by a dementia diagnosis.*CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, IAR, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

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

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

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

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.

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

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

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

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

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

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

Nearly $600 billion was donated to U.S. nonprofits last year — and with the passage of the One Big Beautiful Bill Act (OBBBA), charitable giving rules have shifted in ways that directly affect financial planning.This webinar, led by philanthropy expert Rick Peck, will give you a clear roadmap to the new requirements and opportunities under OBBBA, including:How new caps and floors on deductions reshape giving strategies,Adjustments to percentage-of-AGI limits for charitable contributions,The implications for high-income clients navigating phaseouts and reduced flexibility, andThe ripple effects on donor behavior, nonprofit funding, and year-end planning.You’ll leave with timely, practical insights into how changes to QCDs, donor-advised funds (DAFs), appreciated securities, and above-the-line deductions can be integrated into client conversations — before year-end and well into 2025 and beyond.Learning Objectives -- By attending this session, you will:Understand the new rules: Learn how OBBBA’s percentage-of-AGI adjustments, caps, and floors on deductions impact strategies for high-net-worth and mass affluent clients.See the difference: Contrast these changes with prior law to understand the new planning landscape.Pinpoint year-end opportunities: Discover actionable approaches such as bunching gifts, leveraging donor-advised funds, maximizing Qualified Charitable Distributions, and applying the new above-the-line deduction for non-itemizers.Tailor strategies to client needs: Evaluate opportunities linked to the Great Wealth Transfer, including how to maximize gifts of appreciated securities, and help clients choose between cash and non-cash gifts for optimal tax efficiency.

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

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

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

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

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

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

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

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

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

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

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

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

*CE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE Products and Practices credit hours for Investment Advisor Representatives.This program, which features tax attorney Joe Endres, will address applying residency tax rules to commuters, occasional visitors, and full-time residents of the various states. It will also identify the practices most states use to determine if a taxpayer has "truly" changed their residence. For example, changing your residence from a high-tax state (think NY, NJ & CA) to a low or no-tax state (think FL) can dramatically reduce the amount of state taxes you have to pay. But high-tax states don't let their residents go smoothly. If you continue to maintain any connection to the former residence (think snowbirds), the high-tax state may contest that you genuinely changed your residence. Note that Mr. Endres specializes in residency and local taxation matters and has represented numerous clients in cases related to this issue.In this webinar, Mr. Endres will teach you how states determine a taxpayer's residency and how to make the states respect your residency change.Learning Objectives:Determine statutory residence rules and how to count a "day"Identify concrete steps necessary to change your domicileRecognize common traps for the unwary practitioner

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

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

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

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

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

Qualified Longevity Annuity Contracts (QLACs) are one of the most underutilized yet powerful tools available for retirement income planning. With recent regulatory changes expanding their appeal, financial advisors have a unique opportunity to help clients reduce required minimum distributions (RMDs), extend tax deferral, and create guaranteed lifetime income in retirement.In this session, actuarial expert Scott Witt will break down the complexities of QLACs into practical, advisor-focused insights. You’ll learn:How QLACs work – structure, purchase rules, contribution limits, and payout mechanics.Recent legislative updates – including Secure 2.0 changes that increase their utility.Planning strategies – when to consider QLACs for clients with longevity risk, high RMD exposure, or tax-sensitive portfolios.Case studies – real-world scenarios showing how QLACs can complement retirement income planning.Pitfalls to avoid – key product features, client suitability concerns

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

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

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

*CE Eligible: 2 CE credits are available to subscribers with these designations: CFP, CLU, ChFC and RICP. Special Note: This program is also approved for two CE credit hours for Investment Advisor Representatives.This course is on the intergenerational transfer of property and will focus on what CPAs should know about trusts and estates. It will cover many topics ranging from fundamental legal principles of trusts and estates to how language in the trust instrument accomplishes a particular tax result.We will also discuss the legal definitions and principles of estates and trusts, the basic principles regarding property ownership, and the types of trusts commonly used. We will also delve into trust accounting fundamentals and the specific clauses that are important to understand, including formula valuation clauses.Learning Objectives:Determine how to read and understand estate planning instrumentsIdentify basic fiduciary accounting principlesRecognize select planning opportunities and trapsIdentify the requirements for a trust to be a qualified designated beneficiary of an IRADetermine how to use IRD to fund charitable bequests

CE Eligible: 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.

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

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

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

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

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

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

The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, was signed into law on December 20, 2019. Now that we have version 2.0 of the SECURE Act, it is important to know how the original version, plus this change, affect charitable giving opportunities. We will review what you should know about required minimum distributions (RMDs) and qualified charitable distributions (QCDs); how 2.0 differs from the original version; one-time $50,000 QCD transfers to CRUTs, CRATs, and CGAs with accompanying sample illustrations; and, finally, illustrations showing how QCDs can help offset RMD woes. Join philanthropy consultant Rick Peck to learn the following: How the SECURE 2.0 Act differs from the originalIdentify how the original SECURE Act, as well as the 2.0 version, affect charitable giving opportunitiesOutline how QCDs can help offset RMD woes

This session would highlight surprising and underappreciated aspects of life insurance that even seasoned professionals miss.Insurance expert Barry Flagg will reveal:Why published policy expenses often understate true costs.The hidden impact of carrier crediting strategies on client outcomes.The difference between illustrated performance and actual historical policy results.How life insurance interacts with broader planning (e.g., taxation of policy loans, trust-owned policies, policy management in retirement income planning).Noteworthy: “CFP® Board Imposes Public Sanctions [for failing to] compare the internal costs of the policies” [because] “the task of evaluating life insurance policy quality, pricing competitiveness, or carrier strength … has largely been ceded to external insurance agents."Source: Kitces.com

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

Looking for a reliable way to help clients preserve purchasing power in retirement? Learn how to construct and implement a Treasury Inflation-Protected Securities (TIPS) ladder with confidence.In this hands-on session, financial planner Jay Abolofia, PhD, CFP®, will walk you through the essentials of building a TIPS ladder—from strategy to execution—so you can align client portfolios with inflation-adjusted income needs.You’ll learn:When and why to consider a TIPS ladder vs. other income strategiesHow to source and select TIPS based on maturity, yield, and inflation coverageStep-by-step ladder construction using real tools and platformsCommon pitfalls and how to avoid themHow to integrate a TIPS ladder into broader financial plansWhether you're serving retirees, near-retirees, or just want to sharpen your fixed income toolkit, this session will leave you with practical, repeatable strategies to use right away. *CE/CPE Eligible: 1.0 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP. CPA members will earn 1.0 CPE credit(s).
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Rental income properties are often misunderstood or neglected in client conversations. This program, led by real estate planning specialist Rich Arzaga, CFP®, CCIM, is designed to increase your knowledge of rental properties so you can more confidently engage clients in planning that properly includes these asset types.Rich will challenge the long-held belief that location is paramount to evaluating rental properties by introducing a practical, comprehensive framework for helping clients analyze existing and potential properties. Rich will use case studies, complete with financial models, to show you how you can answer client question such as "How is the property performing? or "Should I keep the property?".