Retirement Planning
 
Find courses that cover retirement needs analysis, Social Security, Medicare, Medicaid, types of retirement plans, and regulatory considerations.

Retirement Planning (CE Credit)
Collapse 7 Steps to Protect Yourself, Your Practice and Your Clients Who Have Diminished Mental Capacity - On Demand

2017 FPA Retreat

 

What do you do when you discover that one of your clients has a diminished mental capacity? If you don't know what steps to take to protect your client and your practice, both may be at risk. Learn the best practices to follow when one of your clients has a loss of memory and develop a protocol to use with every client you suspect may have diminished mental capacity. Develop the skills to develop a relationship with the client's entire family and become their trusted adviser for future generations. Remember it is not a question of if you will have to work with a client who has diminished mental capacity but when. Prepare yourself now to protect your client, yourself and your practice.

 

Level of Complexity: Overview

Formats Available: Streaming
Original Course Date: April 26, 2017
On-Demand Release Date: Available Now

Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE 7 Steps to Protect Yourself, Your Practice and Your Clients Who Have Diminished Mental Capacity - On Demand
    Collapse A New Look at Reverse Mortgages - An Emerging Retirement Income Planning Tool

     

    PLEASE NOTE THAT CE CREDIT IS ONLY AVAILABLE FOR THE LIVE PRESENTATION.

     

    An adviser's biggest challenge today is often how to make income and assets last through an ever-lengthening retirement span. Strategic use of a Home Equity Conversion Mortgage (aka HECM or "reverse mortgage") can deliver improved retirement income plans and increased chances of portfolio survival in a long retirement, as demonstrated by research from The American College of Financial Services and other noted universitites. Join Becky Bell, CFP® to learn how to take reverse mortgage concepts and turn them into compliant strategies for your clients.

    Formats Available: Event
    Original Course Date: December 13, 2017

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE A New Look at Reverse Mortgages - An Emerging Retirement Income Planning Tool
    Collapse Benefits of Dividend Growth Investing for Retirement
    Bullet-Proofing Client Portfolios for Retirement

    With the prospect of low interest rates impacting client retirement cash flows, dividend investing continues to be an attractive option for many investors. In this session, we will provide new insights and considerations relevant to your investors in need of additional cash flow. Are your holdings likely to continue providing the dividend stream you expect? We'll provide a tool that may help you decide.

     

    Upon completion of this program, participants will be able to:

    • Describe the benefits of Dividend Growth investing
    • Understand how clients use systematic withdrawals to protect and maximize retirement income
    • Demonstrate the rule of 4% within a new framework utilizing expected dividend growth
    • Who should attend?Financial planners who manage investments for their clients

     

    Formats Available: Streaming
    Original Course Date: June 21, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Benefits of Dividend Growth Investing for Retirement
    Collapse Cash Balance Plans: What

    The retirement world has largely been focused on 401(k)s, profit sharing and other traditional defined benefit plans. Should we be paying closer attention to the Cash Balance Pension Plan? This plan type is the fastest-growing part of the defined-benefit pension universe and could become popular as 401(k) plans within the next few years. Ideal for the professional service firm (doctors, law practices, or dentists) with a small number of owners, this type of plan maximizes savings rates and tax deferral. Join this informative webinar to learn how this could be the ideal retirement solution for your client.

     

    You Will Learn:

    • Understand the differences between Defined Contribution Plans and Defined Benefit Plans
    • Define the differences between a traditional Pension Plan and a Cash Balance Plan
    • Learn about the benefits of a combined 401(k) Plan with a Cash Balance Plan
    • Understand how to maximize owner's contributions
    • Understand the contributory allowances and limits for Cash Balance Plans

     

    Can't Miss Takeaway:

    For advisors working directly with the owner of a small business, who have poured earnings back into their business for years, the Cash Balance can be the ultimate catch up retirement plan Who Should Attend?Anyone working with owners of small businesses, especially professional service organizations.

     

     

    Formats Available: Streaming
    Original Course Date: June 15, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Cash Balance Plans: What
    Collapse Creative IRA Distribution Planning Ideas - On Demand

    2016 FPA Annual Conference

    Retirement plans hold tremendous amounts of wealth and therefore planning for their orderly and efficient disposition at death is critical. As the Baby Boomers continue to age, you will undoubtedly face more numerous IRA questions and issues you must be ready to address.

    Learning Objectives

    • Learn how the RMD “stretch-out” rules work for IRAs inherited by someone other than a spouse and how to make them work for your client.
    • Understand the basic requirements and benefits of paying an IRA to a trust
    • Describe how the ILIT can be prudent to pair with an IRA

     

    Formats Available: Streaming

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Creative IRA Distribution Planning Ideas - On Demand
    Collapse Evaluating Mortgages as a Source of Leverage: Theory & Practice

    Retreat 2016

    With historically low interest rates, we are in an environment that begs us to ask the question Should clients use leverage and leave portfolio dollars invested? Leveraging assets can lead to a potential economic benefit; however, there is also psychological risk, particularly for those carrying debt into retirement. We will explore the use of mortgages during retirement and client satisfaction from both an academic and practical perspective through four theoretically based research articles

    Learning Objectives:

    Identify both financial and non-financial considerations when counseling a client about mortgage debt in retirement

    Recognize how financial and non-financial considerations may effect a clients emotional and financial well-being

    Discover how to best bring academic research into practice.

    Formats Available: Streaming
    Original Course Date: April 26, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Evaluating Mortgages as a Source of Leverage: Theory & Practice
    Collapse Evaluating Mortgages as a Source of Leverage: Theory & Practice

    Retreat 2016

    With historically low interest rates, we are in an environment that begs us to ask the question Should clients use leverage and leave portfolio dollars invested? Leveraging assets can lead to a potential economic benefit; however, there is also psychological risk, particularly for those carrying debt into retirement. We will explore the use of mortgages during retirement and client satisfaction from both an academic and practical perspective through four theoretically based research articles

    Learning Objectives:

    Identify both financial and non-financial considerations when counseling a client about mortgage debt in retirement

    Recognize how financial and non-financial considerations may effect a clients emotional and financial well-being

    Discover how to best bring academic research into practice.

    Formats Available: Streaming
    Original Course Date: April 26, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Evaluating Mortgages as a Source of Leverage: Theory & Practice
    Collapse Falling Short: The Coming Retirement Crisis and What to Do About It
    Many of todays workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Each truths presentation will explain why and will offer specific solutions that are both conceptually simple and eminently feasible because they build on the existing retirement system.

    • Learning Objectives:
    • Describe the full scope of the retirement challenge facing today's working-age population
    • Explain the origins of the retirement challenge
    • Discuss what actions individuals and the nation as a whole can take to meet the challenge.

    Formats Available: Streaming
    Original Course Date: September 09, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Falling Short: The Coming Retirement Crisis and What to Do About It
    Collapse Helping Clients Navigate the New Stage Beyond Mid-Life - On Demand

    Retreat 2016

    Millions of Americans in their 50s, 60s, 70sand beyondare using their accumulated time, talent, and experience to help solve some of the most urgent and pressing problems facing society in what presenter and social innovator, Marc Freedman, calls encore careers. Encore careers are second acts for the greater good, combining the spirit of idealism with the seriousness of work. These individuals in encore careers are at the vanguard of a growing movement with the potential to make the most of the longevity revolution, now and for generations to come. In this presentation well explore how you can support and prepare your clients to transition to this period of their lives while ultimately contributing to a richer, more productive society for all.

    Learning Objectives:

    • Understand and anticipate the needs of a new generation of clients seeking to contribute during what was once the retirement years.
    • Appreciate the kinds of retooling opportunities available to individuals transitioning to a new chapter of work after 50.
    • Help clients plan to underwrite the costs of launching an encore career or second act after the age of 50.
    Formats Available: Streaming
    Original Course Date: April 26, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Helping Clients Navigate the New Stage Beyond Mid-Life - On Demand
    Collapse How to Maximize Social Security Under New Rules - On Demand

    The single biggest source of retirement income for many clients may be their Social Security benefits. In light of the recent sweeping changes to Social Security that eliminated two of the key strategies used to maximize benefits, it is now more important than ever to learn the facts and get your questions answered.

     

    Upon completion of this program, participants will be able to:

    • Provide more informed advice to clients on what options are available to them under the new rules.
    • Identify which clients should consider taking action before April 29, 2016.
    • Better advise clients who may be eligible for survivors or divorce benefits.
    • Counsel clients on the benefits of deferring their benefits.

     

    Can't Miss Takeaway:

    You have an opportunity to learn what Social Security benefits may be available to your clients before the major changes are effective April 29, 2016. Plus, you will learn what is available to spouses, widows and widowers, and divorced clients post-April 29th. Many clients are not collecting what is rightfully theirs. This webinar will help you better server all of your clients on this important issue. Who Should Attend?Financial Planners who advise clients on Social Security as part of a client's retirement plan.

     

    Other Resources:

    Get What's Yours: The Secrets to Maxing Out Your Social Security

    Formats Available: Streaming
    Original Course Date: January 27, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE How to Maximize Social Security Under New Rules - On Demand
    Collapse Is the Quality of Your Retirement Advice Losing Money for Your Clients? - On Demand

     

    It's no secret that all retirement calculators are not created equal, and it's been well reported that the same inputs receive varying longevity results across retirement tools. Now, research shows that many of these calculators cheat investors out of six or more years of retirement income by using inefficient drawdown strategies.This discovery comes from the research article, "Tax-Efficient Withdrawal Strategies," published in The Financial Analysts Journal and written by William Meyer, CEO, Retiree Inc., and William Reichenstein, PhD, Co-founder, Retiree Inc. Join Retiree Income for this educational webinar to hear the research authors debunk the conventional wisdom around tax-efficient retirement withdrawals, which suggests that in investor should withdraw funds from one account at a time moving to the next one after the previous is exhausted, starting with tax-deferred accounts and moving to tax-exempt accounts. Meyer and Reichenstein will demonstrate that this conventional wisdom, which many retirement income tools are built on, is not the most tax efficient.

    Level of Complexity: Intermediate

    Formats Available: Streaming, Webinar + Archive
    Original Course Date: May 10, 2017
    On-Demand Release Date: Available Now

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Is the Quality of Your Retirement Advice Losing Money for Your Clients? - On Demand
    Collapse Leading Retirement Researcher Makes "New" Case for Low-Cost Reverse Mortgage - On Demand

    Join retirement income expert, Dr. Wade Pfau, as he shares his academic research on how the strategic use of today's lower-cost FHA-insured reverse mortgages (HECMs) can improve the sustainability of a client's retirement plan and create a larger legacy. During the webinar, Wade will discuss how HECMs can be used as a put option to create liquidity from an otherwise illiquid asset, improve retirement income efficiency, and create a buffer to sequence of return risk.Tom Dickson will use MoneyGuidePro to demonstrate how HECMs can help clients to: (1) pay LESS taxes by reducing withdrawals from IRAs, (2) serve as a lower opportunity cost alternative to SPIAs, (3) refinance conventional mortgages and (4) optimize cash flow when downsizing!

     

    Given the $125 cost* now available in 45 states to put a reverse mortgage in place, these strategies should be considered by all advisers, especially those acting as a fiduciary.Upon completion of this program, participants will be able to:Educate clients on why reverse mortgages should be used proactively to manage risk AND not as a last resort.Inform older clients on the pros and cons of reverse mortgages, including lower initial costs.Evaluate how a reverse mortgage can effectuate strategies such as reducing IRA withdrawals, refinancing, and rightsizing. Present new ideas to older clients that can help preserve their retirement savings and lower their taxes.Explain to older clients the pros and cons of a HECM credit line compared to a HELOC.

     

    Can't Miss Takeaway:

    • Leading retirement researchers have concluded that today's low-cost reverse mortgage can improve a client's retirement income efficiency, retirement sustainability and their legacy.
    • Learn how you can truly improve the probability your clients can meet their goals for decades.

     

    Who Should Attend?

    Financial planners with middle-class clients ($1 MM or less in savings) whose retirement plans are not fully funded.

     

    Other Resources:

    www.financialexpertsnetwork.comwww.retirementresearcher.com

    Formats Available: Streaming
    Original Course Date: April 06, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Leading Retirement Researcher Makes "New" Case for Low-Cost Reverse Mortgage - On Demand
    Collapse Planning for Living in Retirement - On Demand

    Retreat 2015

    Most of us think that retirement will look like our working life without the work. The reality is that work provides many important social interactions and fulfills our need for productivity. Research on of life satisfaction suggests that workers and their planners can benefit from understanding what makes retirees satisfied. Beyond just focusing on income and a legacy, imagining a lifestyle in retirement needs to be a part of the retirement planning process.  This presentation reviews data from life satisfaction on a longitudinal sample of 20,000 retirees. I'll present surprising results on how satisfaction is related to how we spend our time in retirement, where we move, the importance of social activity and productive leisure, if both spouses should retire at the same time, interactions with children, and the impact of health, and how we should plan for later life physical and cognitive decline.

    Learning Objectives:

    • Understanding how physical and cognitive changes affect the retirement life cycle
    • Gain insight into the predictors of life satisfaction in retirement
    • Understand the research that explains how we can get more from retirement through better planning
    Formats Available: Streaming
    Original Course Date: April 23, 2015

    Approved Credit:
  • FPA: 1.50 hours CFP CE

  • ADD COURSEADD COURSE Planning for Living in Retirement - On Demand
    Collapse Reverse Mortgages: The Cinderella of Retirement Planning? - On Demand

    With 10,000 baby boomers turning 62 every single day and over $6 trillion in home equity amongst your senior clients, reverse mortgages just may be the late coming Cinderella to the retirement ball that fixes the retirement crisis we are facing. However, financial advisers have long looked at reverse mortgages as the "loan of last resort," the "ugly step-sister" of retirement planning stories. In this program, we will create a major paradigm shift in your thinking and discuss how recent program changes and groundbreaking research by the financial planning industry, and noted academics, have overwhelmingly proven the necessity of using reverse mortgages at the age of 62, not 82.  

     

    Level of Complexity: Overview

     

    Formats Available: Streaming
    Original Course Date: May 25, 2017
    On-Demand Release Date: Available Now

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Reverse Mortgages: The Cinderella of Retirement Planning? - On Demand
    Collapse Strategic Senior Planning - On Demand

    Your aging clients and their families need your services beyond investing and asset allocation. You can offer superior service to clients aged 40 – 90! Become the “Go To” professional for access to resources that can make aging easier. Your clients will turn to you first, and you’ll become invaluable to the next generation.

    Level of Complexity: Intermediate

    Formats Available: Streaming
    Original Course Date: October 19, 2016
    On-Demand Release Date: Available Now

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Strategic Senior Planning - On Demand
    Collapse Sustainable Retirement Plans - On Demand

    Retreat 2016

    In this session well use an example to build a sustainable retirement plan. Well start with the classic 4% rule based on historical returns and show the impact of adopting realistic forward-looking returns.

    We'll then show how we can improve outcomes by:

    (1) switching to a dynamic withdrawal strategy,

    (2) incorporating annuities to build a higher base of guaranteed lifetime cash flow,

    (3) utilizing a reverse mortgage increase retirement cash flow further.

    We'll discuss the potential adverse impact of long-term care expenses and what can be done to mitigate the LTC risk.

    Learning Objectives:

    Describe the impact on retirement plan sustainability of changing to forward-looking return assumptions.Identify opportunities to build more sustainable retirement plans by adopting dynamic withdrawals, utilizing annuities, or utilizing reverse mortgages.Describe the impact on retirement plan sustainability of potential long-term care expenses.

    Formats Available: Streaming
    Original Course Date: April 26, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Sustainable Retirement Plans - On Demand
    Collapse Why Long-Term Care is a Critical Component of Your Client

    Many of your clients are or may become a caregiver in the near future. Join this session to learn why extended care is a critical component of a retirement portfolio and how to address long term care issues with your clients.

     

    You Will Learn:

    Understand the cost implications for health and long-term services and support. Learn the role of family caregivers and their support needs. Identify strategies for communicating the need for long-term care to clients.

     

    Can't Miss Takeaway:

    You will learn current research and context of long-term care issues and strategies on how to address these challenging issues with your clients.

     

    Who Should Attend?

    All financial planners wanting to learn more about long-term care and how to address it with clients.

     

     

    Formats Available: Streaming
    Original Course Date: September 09, 2016

    Approved Credit:
  • FPA: 1 hour CFP CE

  • ADD COURSEADD COURSE Why Long-Term Care is a Critical Component of Your Client
    Retirement Planning (No Credit)
    Collapse Cash Balance & 401(k) Plan Combinations

    Retreat 2015

    Learn the basics of Cash Balance Plans, New Comparability benefit formulas, and non-discrimination testing as well as how permissively aggregating a Cash Balance Plan with a 401(k) Profit Sharing Plan can provide substantially meaningful benefits to employees, while maximizing benefits for the owners of small to mid-sized businesses and sheltering assets from the claims of creditors. 

    What you will learn about: 

    1. Understand the basic concept of a Cash Balance Plan. 

    2. Understand the basics of New Comparability benefit formulas and aggregation of plans to pass complex non-discrimination testing. 

    3. Understand how to assess a particular business census for application of a Cash Balance Plan, or a Cash Balance and 401(k) Plan combination.

    Formats Available: Streaming
    Original Course Date: April 22, 2015
    ADD COURSEADD COURSE Cash Balance & 401(k) Plan Combinations
    Collapse Estimating The True Cost of Retirement (Montgomery-Warschauer Award Winner)

    Retirement is the most expensive purchase faced by most individuals. In this session, David Blanchett will explore a framework to better understand how much retirement actually costs and a process for better estimating its true cost. This session will include a discussion of the implications of properly forecasting the growth of assets and important considerations when estimating the liability, such as determining the optimal replacement rate, forecasting the retirement period and understanding what it truly means to fail (or succeed) during retirement.

    Learning Objectives:

    Explain how retiree expenses change throughout retirement

    Describe the implications of return assumptions on required retirement savings

    Accurately define success for a retiree

    Level of Complexity: Intermediate

     

    Formats Available: Streaming
    Original Course Date: September 09, 2016
    ADD COURSEADD COURSE Estimating The True Cost of Retirement (Montgomery-Warschauer Award Winner)
    Collapse FPA Resource Center Last Advisor

    Logo

     

    Last Advisor software is the number one retirement income planning software on the market today. Our software clearly illustrates the Bucket Bliss Strategy to your clients in a simple, easy to understand way that is not intimidating or confusing. Simplify your practice while increasing your production and referrals for only $49/MO with NO contract and a free 30-day trial. www.lastadvisor.com

    Formats Available: Streaming, Webinar + Archive
    Original Course Date: October 20, 2016
    On-Demand Release Date: Available Now
    ADD COURSEADD COURSE FPA Resource Center Last Advisor
    Collapse Journal in the Round:  A Closer Look at Planning for Retirement Health Care Costs

    PLEASE NOTE THAT CE CREDIT FOR THIS COURSE IS ONLY AVAILABLE FOR THE DATE AND TIME OF THE LIVE EVENT. ALTHOUGH THE RECORDING WILL BE AVAILABLE FOR YOUR VIEWING 3 MONTHS AFTER THE EVENT, YOU WILL NOT BE ABLE TO SUBMIT FOR CREDIT.
     

    This month's Journal contributor David Armes is joined by fellow healthcare planning expert Dr. Katy Votava to unpack the wealth of information in Armes cover story, "3 Steps to Helping Clients Manage Health Care Costs in Retirement." The two will share their insights into estimating and managing costs, including those related to Medicare, Medicaid, and long-term care. Their discussion  is followed by a live Q and A, moderated by FPA's retirement planning Knowledge Circle hosts.

     

    Formats Available: Streaming
    Original Course Date: October 26, 2016
    On-Demand Release Date: Available Now
    ADD COURSEADD COURSE Journal in the Round:  A Closer Look at Planning for Retirement Health Care Costs
    Collapse Retirement Income Planning: Age - Based Marketing

    Logo


    The retirement landscape is changing. Eight thousand baby boomers turn 65 years old every single day and they are living longer. Knowing the major issues and choices that affect this client segment will be critical to growing your business in the future. This presentation reviews how financial advisors can win assets through identifying age-based opportunities and give them the knowledge needed to more deeply engage clients on key retirement income planning issues.

    Formats Available: Streaming, Webinar + Archive
    Original Course Date: October 12, 2016
    On-Demand Release Date: Available Now
    ADD COURSEADD COURSE Retirement Income Planning: Age - Based Marketing
    Collapse Social Security - A Long Term Perspective for Clients
    You think that you have a pretty good handle on the basics of what the Social Security retirement program has to offer. But, what should you be telling your clients about possible claiming strategies that couples might employ? How about Medicare? And, how does the receipt of a public pension impact someone's ability to collect Social Security? Learn about some of the other things that planners ought to know about Social Security-and probably don't---so that you can provide real value added to your clients when they come to you looking for help.

    Learning Objectives:
    • Effectively advise clients about different strategies that can be employed in order to maximize someone's lifetime Social Security benefits.
    • Understand the different parts of Medicare; the importance of timely enrollment; and the negative consequences for failure to do so.
    • Describe the impact of the receipt of a public pension on someone's Social Security benefits. 
    Formats Available: Streaming
    Original Course Date: September 09, 2016
    ADD COURSEADD COURSE Social Security - A Long Term Perspective for Clients