“Managing Retirement Income: What Your Clients Need to Know”
by Kevin S. Seibert, CFP®, CRC®, CEBS, Managing Director of InFRE
Webinar – Friday, March 12, 2021, 2 – 3 PM EST

Many of your clients are part of the 78 million baby boomers approaching or already in retirement.

What do you need to help them understand about when to retire and how to manage, protect and withdraw their savings? [read more …]

“Advanced Annuity and Tax Strategies for Retirement”
by Curtis Cloke, CLTC, LUTCF, RICP
Webinar – Thursday, March 18, 2021, 12 – 1 PM EDT

Managing market volatility and longevity risk are two well-known and highly visible risks easily defined.

Less known or perceived risks may include, fee-drag, tax-drag, provisional income tax calculations that determine how much Social Security income is taxable and Less known or perceived risks may include, fee-drag, tax-drag, provisional income tax calculations that determine how much Social Security income is taxable and [read more …]

“Estimating the True Cost of Retirement”
by David Blanchett, CFA, CFP®, AIFA
WEBINAR – Monday, March 22, 2021, 1 – 2:30 PM EDT

Retirement is the most expensive “purchase” faced by most individuals.

In order to properly forecast the value of assets during retirement, it is important to consider several other variables when estimating a person’s total retirement liability, such as their optimal replacement rate, their forecasted retirement period, and what it truly means to fail (or succeed). 

Retirement professionals need to have a framework for understanding and projecting retirement costs for each client, [read more …]

“Medicare Advantage vs. Medigap: Which plan is right for your clients?”
by Joanne Giardini-Russell, Owner, and Cameron Giardini, Boomer Health Group
Webinar – Wednesday, March 31,  2021, 12 – 1 PM EDT

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 [read more …]

“A Platinum Retirement Challenge – Gray Divorce”
by Lili Vasileff, CFP®, MAFF, CDFA®, President, Divorce and Money Matters, LLC and Wealth Protection Management
Webinar – Friday, April 9, 2021, 2 – 3 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 …]

“Behavioral Finance: Why Do We Do the Things We Do”
by Michael Wilson, CFP®, CRC®, RICP®, Integrity Financial Planning
Webinar – Monday, April 19, 2021, 1 – 2 PM EDT

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 …]

“Key IRA Changes Made by the SECURE Act”
by Denise Appleby, APA, CISP, CRPS, CRC®, CRSP, founder and owner of Appleby Retirement Consulting
Webinar – Wednesday, April 28, 2021, 12 – 1 PM EDT

The Setting Every Community Up for Retirement Enhancement (SECURE) Act has given us new rules relating to IRA distributions and contributions.

Practitioners must understand how these changes affect their clients, so that they can help them plan accordingly. Some of these plans will necessitate revisiting and [read more …]

“Off With Your (Rule of) Thumbs!”
by Michael Falk, CFA, CRC®
WEBINAR – Tuesday, May 4, 2021, 3 – 4 PM EDT

Michael Falk, CFA, CRC® challenges us to rethink several well-accepted schools of thought used today by many professionals for retirement planning, “immunize before we optimize”.

There are several well-accepted schools of thought used today by many professionals for retirement planning.

Based on his belief that it is important to “immunize before you optimize” for retirement income, Michael Falk invites [read more …]

“Guaranteed Income: The Forgotten Household Asset”
by David Blanchett, PhD, CFA, CFP®, Head of Retirement Research, Morningstar Investment Management
Webinar – Monday, May 10, 2021, 1 – 2 PM EST

Guaranteed income is the largest financial asset for most retirees, yet it’s role in a financial plan is generally quite minor, treated simply as a cash flow that can be used to fund the retirement liability.

Explore why financial planners need to consider guaranteed income more fully, since doing can have significant implications on optimal investing and spending strategies. Topics about guaranteed income discussed include: its role on the balance sheet, its impact on [read more …]

“Understanding How Different Types of Annuities Work”
by Wade Pfau, Ph.D., CFA, Professor of Retirement Income
Webinar – Wednesday, May 26, 2021, 12 – 1 PM EDT

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 …]

“Women and Retirement”
by Cindy Hounsell, JD, President of WISER, the Women’s Institute for a Secure Retirement; Mary Beth Franklin, CFP®, Contributing Editor, InvestmentNews; Shelley Giordano, Mutual of Omaha;  Betty Meredith, CFA, CFP®, CRC®, President of Int’l Retirement Resource Center
Webinar – Friday, June 4, 2021, 1 – 3 PM EDT

By being retirement smart, we can help our women clients prepare ahead of time for the retirement-specific risks that are most likely to affect them.

In retirement, women are more at risk than men of living longer than expected, surviving a spouse, experiencing a “grey divorce”, being a caregiver, dealing with the long-term care expenses of a [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 – Wednesday, June 9, 2021, 12 –1 PM EDT

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 …]