“Medicare Advantage vs. Medigap: Which plan is right for your clients?”
by Joanne Giardini-Russell, Owner, and Cameron Giardini, Boomer Health Group
Webinar – Monday, August 10,  2020, 1 – 2 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 …]

“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, September 11,  2020, 2 – 4 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 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 – Monday, September 28, 2020, 1 – 2 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 …]

“The Holy Grail of Retirement: How to increase income and growth while improving liquidity “
by Curtis Cloke, CLTC, LUTCF, RICP
Webinar – Wednesday, October 7, 2020 @ 11 AM – 12 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 …]

“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 – Friday, October 16, 2020, 2 – 3 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 …]

“Behavioral Finance: Why Do We Do the Things We Do”
by Michael Wilson, CFP®, CRC®, RICP®, Integrity Financial Planning
Webinar – Monday, October 26, 2020, 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 …]

“Advance Care Planning: A Critical Component for Building Client Relationships”
by Paul Malley, President of Aging with Dignity
Webinar – Wednesday, November 4, 2020, 11 AM – 12 PM EST

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 …]

“Through the Looking Glass:  Three Popular Retirement Income Philosophies”
by Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP®
Webinar – Friday, November 13, 2020, 2 – 3 PM EST

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 …]

“Reverse Mortgage Strategies for the Middle Market: An Alternative Asset Buffer”
by Shelley Giordano, Chair of the Funding Longevity Task Force
Webinar – Monday, November 23, 2020, 1  – 2 PM EST

Home equity is the largest asset middle market retirees have after the present value of their Social Security and pension benefits (working in retirement is 3rd; savings is 4th).

In a time when lifetime income sources such as pensions and Social Security benefits are declining, accessing home equity will become more important as people live longer and face increasing health care costs. [read more …]

“Medicare 101 – The As, Bs, Cs, and Ds of Medicare”
by Erin Fisher, President of Find Medicare Plans
Webinar – Friday, December 4, 2020 @ 2 – 3 PM EST

Whether a person is turning 65, working, not working or retiring after age 65, the maze of Medicare is a mixture of Federal Regulations, misinformation and unrelenting mailings from companies selling Medicare plans.

Your clients’ Medicare decision includes what additional plan to buy to offset their 20% of the bill, deductibles and coinsurance that Medicare itself does not pay when a claim is received. In addition, making the wrong decision in Medicare enrollment or non-enrollment can [read more …]

“Building a Generational Practice with Extended and Long Term Care”
by Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors.
Webinar – Wednesday, December 16, 2020, 11AM  – 12 PM EST

Combine an aging population, increasing longevity, a shrinking birth rate and we have real insight into an emerging caregiving tsunami.

COVID-19 has shown us an alarming view of the growing gap between the availability of capable, trained, and healthy caregivers and the demand for affordable caregiving. [read more …]

“Everything You Need to Know… About Investing”
by Michael Falk, CFA, CRC®
Webinar – Monday, December 21, 2020, 1 – 2 PM EST

The act of investing almost always has a purpose, a goal. However, all too often, investors fail to do what’s necessary to increase the probability of reaching their goals. The causes range from too little investment literacy to disadvantaged (emotionally biased) decision-making or poor planning.

Advisors need a simple, effective guide that can help them understand how their goals, the path towards those goals and their choices along the way are what help or hinder the probability of their success. Decisions about investments – or what to invest in – pale in comparison. [read more …]