“Advance Care Planning: A Critical Component for Building Client Relationships”
by Paul Malley, President of Aging with Dignity
Webinar – Wednesday, August 28, 2019, 11 AM – 12 PM EDT

Each day, 10,000 people turn 65. As the population ages, there are more life transitions to assist in helping clients navigate complex health and financial issues. An overlooked aspect of an advisor’s role is advance care planning – or defining, communicating and documenting healthcare wishes. Currently, less than 30 percent of adults have an advance directive. This webinar will help advisors develop skills to begin and continue these difficult conversations, use advance care planning [read more …]

“The Value of Safe Home Care “
by Paul Bongiorno, Executive Director at Home Care Association of America
Webinar – September 6, 2019 @ 2 – 3 PM EDT

The number of families utilizing home care services continues to grow in the United States. A greater number of family caregivers who are caring for a loved one with a chronic or debilitating health condition are turning to home care, rather than institutional care, for their long-term care needs.

Many cite the desire for a higher quality of life and independence as the reasons for the choice of care at home. Most of this care is paid for using available disposable income. Faced with a bewildering number of choices, family caregivers more and more are turning to companies [read more …]

“The Holy Grail of Retirement: How to increase income and growth while improving liquidity “
by Curtis Cloke, CLTC, LUTCF, RICP
Webinar – September 12, 2019 @ 1 – 2 PM EDT

It is important to build portfolios that create a base of income they cannot destroy, one they cannot outlive, and when done correctly, protect principal that cannot be lost if dying to soon. Investing solutions should focus on income flow, discretionary liquidity, growth opportunities and legacy goals.

During this session, we will address many myths and biases that surround these questions and show you how building a retirement [read more …]

“The Financial Planner as Retirement Architect: Using behavioral insights to foster smarter retirement decisions”
by Gillian Leithman, PhD, Founder of Rewire to Retire™
Webinar – September 19, 2019 @ 12 – 1 PM EDT

Decades of social science research indicate that we are poor planners, fickle savers, and self-destructive investors and much of the reason lies in how we process information and make decisions.

While we can’t change our faulty cognitive software, or that of clients, we can become better retirement architects if we understand the behavioral challenges people face when making decisions about their future financial well-being. This webinar will acquaint advisors with  [read more …]

“Through the Looking Glass:  Three Popular Retirement Income Philosophies”
by Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP®
Webinar – Tuesday, September 24, 2019, 3 – 4 PM EDT

Providing comprehensive retirement income planning services helps separate your practice from the pack, keep clients for life, and get them through retirement securely.

The three most popular retirement income strategies today are 1) flooring, 2) bucketing, and 3) systematic withdrawals. It is important to understand how to execute each strategy and how each income strategy can be better suited for a different client under a goal-based philosophy [read more …]

“How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies”
by Wade Pfau, Ph.D., CFA, Professor of Retirement Income
Webinar – Wednesday, October 2, 2019, 11 AM – 12 PM EDT

“How much can I spend in retirement?” Dr. Pfau has conducted an in-depth study and authored a new book that focuses on sustainable spending from investment portfolios in the face of a variety of retirement risks.

Estimates provided by traditional studies about sustainable spending may be too optimistic, or may be even higher than traditional studies imply. It is important for advisors to understand a variety of spending and asset allocation approaches [read more …]

“Heading Toward Social Security Reform “
by Bruce Schobel, FSA MAA, CLU, CEBS, Consulting Actuary
Webinar – Thursday, October 10, 2019, 12 – 1 PM EDT

The Social Security program is heading toward a financial crisis around 2035. Before then, Congress must take action to allow full benefits to be paid on time.

We are seeing the beginnings of Social Security reform legislation moving through the House of Representatives this year. [read more …]

“The Platinum Retirement Challenge – Gray Divorce”
by Lili Vasileff, CFP®, MAFF, CDFA®, President, Divorce and Money Matters, LLC and Wealth Protection Management
Webinar – Tuesday, October 29, 2019, 3 – 4 PM EDT

Every 10 seconds a Boomer turns 60 years old. Gray divorce is what many boomers face. Among U.S. adults over age 50, the divorce rate has doubled since 1994. Contrary to expectations, long term marriages are not immune and the largest increase (55%) is in first time marriages of over 20 years.

The gray divorce phenomenon is much examined because of its impact on the economy and on younger generations. There are surprisingly many nuances in the gray divorce statistics. [read more …]

“How to Make Your Clients’ Money Last Longer with Withdrawal Sequence Strategies – William Meyer”
by William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc.
Webinar – Monday, November 20, 2019, 2 – 3 PM EST

How you “tap” or liquidate retirement savings to generate income impacts portfolio longevity. Similarly, how you coordinate guaranteed income, Medicare and Social Security with the sequence you withdraw client savings impacts how long retirement savings lasts.

Learn how to beat the “conventional wisdom” used to generate retirement income for your clients. [read more …]

“Behavioral Finance: Why Do We Do the Things We Do”
by Michael Wilson, CFP®, CRC®, RICP®, Integrity Financial Planning
Webinar – Tuesday, December 3, 2019, 3 – 4 PM EST

We all know there are certain things we should do, like eat right, exercise, get plenty of sleep, etc. The same is true for retirement saving: we all know we should be saving now for an unknown period of time in retirement.

Multiple studies and surveys have indicated how woefully inadequate average retirement savings are. But head knowledge doesn’t always translate into action, into current behavior. What’s the disconnect? Why aren’t knowledge and education enough to move us to do the “right thing” now? [read more …]

“Reverse Mortgage for Purchase: Helping Seniors Buy a Right-Size Home with the Right Tool “
by Allen Chao, Senior Account Executive, Longbridge Financial, LLC
Webinar – Wed., December, 11, 2019, 11 AM – 12 PM EST

The Home Equity Conversion Mortgage (HECM) is one of the safest ways to mortgage for seniors who are 62 and above due to the program’s federal guarantees by HUD. 

A little known strategy is to help clients purchase a new home so they can upsize, downsize, or right-size for their retirement home. By using the reverse mortgage to finance the new home, clients can save thousands of dollars in closing costs from a single financing transaction,  [read more …]

“Understanding How Different Types of Annuities Work”
by Wade Pfau, Ph.D., CFA, Professor of Retirement Income
Webinar – Thursday, December 19, 2019, 12 – 1 PM EST

Annuities with lifetime income provisions offer risk pooling, which tends to be underappreciated as a unique source of returns that is unavailable for an investment portfolio.

But there are many types of annuities in the marketplace and understanding how they work can be complex. This presentation seeks to provide a better understanding about different types of annuities, including income annuities such as single-premium immediate annuities, deferred variable annuities, and [read more …]