Tuesday, October 04, 2022 | 12:00 PM — 1:00 PM EDT
The Nature of Mineral Assets and Issues in Estate Planning
Presented by:
Peter Hack, Esq.
Managing Member, Tjornehoj Hack & Lovell LLC
Join mineral title and estate planning attorney Peter Hack for a special webinar that will orient financial planners to various kinds of mineral assets with a special focus on oil and gas assets and the basic issues those assets can raise in estate planning.
The webinar will address important rules about the conveyance of these types of assets in the estate planning context and discuss various estate planning tools that can be utilized effectively for mineral assets.
Attendees will learn:
- How to identify multiple types of mineral interests
- Why mineral interests may require special consideration during estate planning
- What estate planning tools can be used to address the issues raised by mineral interests
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
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Tuesday, October 11, 2022 | 12:00 PM — 1:30 PM EDT
Home Equity & Retirement Solutions Symposium
Presented by:
Wade Pfau, Ph.D.,CFA
Professor of Retirement Income, The American College
Marguerita Cheng, CFP®, CRPC, RICP®, CDFA®
Chief Executive Officer at Blue Ocean Global Wealth
Joseph Jordan
Founder of the Insured Retirement Institute & Behavioral Finance Expert
Your clients currently in or nearing retirement are likely feeling the sting of market volatility, rising inflation, and supply chain shortages on their portfolios. And while you do what you can to help safeguard their assets, there comes a point when your aging clients need to look beyond traditional financing tools to improve their probabilities of success.
For your 55+ clients, that is most likely their second “portfolio” hidden in plain sight:
their home equity.
Join us for a virtual
Home Equity & Retirement Solutions Symposium with four of today’s foremost financial retirement experts to learn how, when used strategically, reverse mortgages can provide liquidity, mitigate sequence risk, and expand financial solvency while creating a larger legacy.
During the symposium, our renowned guest experts will discuss:
- Managing Sequence of Return Risk with a Reverse Mortgage — Exploring how spending from investments and home equity can be more efficiently coordinated through the use of a reverse mortgage to better meet spending goals and preserve more assets to cover contingencies and legacy.
- Presented by Wade Pfau, Ph.D., CFA, RICP, Professor of Retirement Income, The American College
- Reverse Mortgages – A Versatile Tool for Mitigating Retirement Risks — Demonstrating how planners can utilize reverse mortgages to mitigate retirement risks for clients such as asset depletion, market volatility, inflation, and taxes. Despite these potential retirement planning opportunities, home equity often ends up being the “forgotten asset.”
- Presented by Joseph Jordan, Founder of the Insured Retirement Institute & Behavioral Finance Expert
- Financial Considerations for Caregivers and their Loved Ones — Learning how to plan for and cope with financial issues that may arise, reviewing Medicare & Medicaid coverage, gaining an understanding of Senior Care Services, and reviewing required financial and legal documents to provide care to loved ones.
- Presented by, Marguerita Cheng, CFP®, CEO, Blue Ocean Global Wealth
- Bridging the Gap – How to Have “The Talk” with Clients About Reverse Mortgages — Tackling how to bridge the educational gap many advisors face when broaching the topic of home equity with their 55+ clients. And discussing how to help your clients understand the real value of their home equity from a holistic planning approach.
- Presented by Christian Mills, Financial Planner Channel Leader, Reverse Mortgage Funding LLC
Please note: 1.5 CE credits will be provided for eligible attendees with CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
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Thursday, October 20, 2022 | 12:00 PM — 1:00 PM EDT
How to Model Reverse Mortgages in Today’s Financial Planning Software
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
There are numerous uses for reverse mortgages in retirement planning, but many advisors struggle to successfully model the product in their financial planning program. Plus, being unable to visualize the full impact of home equity in a retirement income distribution plan could prevent your clients from using this strategic tool.
Join Christian Mills, Financial Planner Channel Leader at RMF, for a special webinar when he will use today’s leading financial planning software, such as MoneyGuidePro® and eMoney to model reverse mortgages and show their impact on cash flow and probabilities of success. He will also share powerful tools that enable financial planners to add home equity to their older clients’ risk-management strategy planning through reverse mortgage line of credit products – both federally-insured* and proprietary.
Who should attend? Financial planners who understand the basics of reverse mortgages and are open to innovative and tactical ideas for using home equity to improve their clients’ cash flow, create a larger legacy, or mitigate sequence of returns risk.
Upon completion of the program, attendees will be able to:
- Present HECM and proprietary reverse mortgage solutions to clients tailored to their particular circumstances
- Use financial planning software to demonstrate the effects of reverse mortgage funds on an individual client’s financial strategies, using real-time reverse mortgage payment estimates
- Educate older clients on the pros and cons of reverse mortgages and how they can be used in risk and goal management
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
*This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.
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Tuesday, November 01, 2022 | 12:00 PM — 1:00 PM EDT
Year-End Planning Strategies: Your Guide to Helping Minimize Your Clients Tax Bite!
Presented by:
Jeff Rattiner, CPA, CFP®, MBA, RFC
President and CEO of JR Financial Group, Inc.
There is still time to help your clients prepare to lower their 2022 income tax liability! Many strategies exist in today’s atypical environment, some common and some unique, all of which can help your clients reduce 2022 income and get out of the gate running for 2023 and beyond!
Join Jeff Rattiner, CPA, CFP
®, MBA, of Rattiner’s Financial Planning Fast Track
™, Inc., as he demonstrates how to take advantage of these critical tax opportunities, identify critical exposures and assist with practical tax reduction solutions when dealing with these unique client challenges.
In this session, attendees will:
- Learn how to take advantage of the last two months to fix deficiencies and forecast possibilities for the balance of 2022
- Understand Sec 199A Deductions and determine when to use them
- Distinguish among specific business strategies, including Section 179 deductions, little-used business entity strategies, tax deferral, and like-kind exchanges
- Learn how to implement like-kind exchanges, and the deferral of capital gains
- Differentiate when to recommend qualified plans and personal retirement plans
- Explore individual investment issues pertaining to ISOs, capital loss carryovers, and real estate transactions
- Determine which type of retirement plans make sense, including whether to consider Roth conversions, deductible IRA losses, and RMD situations
- Explore tax credits, deferrals, AMT potential concerns, and assess general planning ideas
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
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Tuesday, November 08, 2022 | 12:00 PM — 1:00 PM EST
Aging Life Care Management and Reverse Mortgages: A Collaboration of Caring
Presented by:
Julie Wagner
CEO, Aging Life Care Association®
Debra Feldman
Board of Directors President, Aging Life Care Association®
Stephen R. Pepe
JD HECM Loan Specialist; Outside Account Executive
As the ongoing pandemic sheds new light on the national healthcare system, many older Americans are considering long-term care options beyond traditional facilities to allow them to age in place. It is vital for your clients to plan their financial strategy now in order to afford the ideal care later.
Join Aging Life Care Association's® CEO Julie Wagner and Board of Directors President Debra Feldman for a topical webinar to learn more about the client-centered approach to caring for older adults, what an Aging Life Care Manager does, and how by working together as a team you can better serve your clients and gain an important referral source.
Stephen R. Pepe JD*, Reverse Mortgage Specialist at RMF, will be joining Julie and Debra to discuss your clients’ options for funding their preferred method of care and aging in place. He will provide a brief overview of today’s federally-insured† and proprietary reverse mortgages and offer target strategies for using home equity to fund in-home care. Stephen will cover both short-term approaches for immediate, urgent care needs, as well as long-term planning options for potential costs decades down the road.
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
*RMF does not offer legal services.
†This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.
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Thursday, November 17, 2022 | 12:00 PM — 1:00 PM EST
Monetizing Home Equity with Today's Reverse Mortgage
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
Homeowners aged 62 and older currently hold a record $10.19 trillion in home equity. This age group holds 1/3 of the country’s housing wealth and yet nearly 37% of retirees are worried about their financial security in retirement.
*Unfortunately, most homeowners 55 and older
† don’t realize that a reverse mortgage can help them monetize their home equity and take control of their finances and limit the effects of market volatility – allowing them to access income-tax-free‡ cash to help fund their retirement needs and goals.
After attending this webinar, you’ll be able to educate your clients on the benefits of reverse mortgages, and you’ll be able to create a buffer asset for your clients to avoid selling at losses and prevent sequence risk while creating a larger legacy.
Attendees will learn:
- What improvements have been made and what consumer safeguards have been added to reverse mortgages in recent years
- The four common reverse mortgage strategies for increasing retirement stability
- The different types of reverse mortgage loans, both federally-insured† and proprietary, for real-life applications
- How to demonstrate reverse mortgage solutions for eligible clients
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.*Sources: Source: NRMLA/RiskSpan Reverse Mortgage Market Index, January 2022. Guerin, Jessica. “Experts: Home equity is key to solving the country’s looming retirement crisis.” HousingWire. 18 Feb. 2019. Accessed; 6 Jan. 2021. Passy, Jacob. “Baby Boomers Own a Third of All U.S. Homes: These Markets Will Feel the Biggest Impact When They Retire.” Barron’s. 02 Dec. 2019.
†Available to borrowers as young as 55 in select states only. Higher minimum age requirements may apply. Visit www.reversefunding.com/equity-elite for details.
‡Not tax advice. Consult a tax professional.
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Tuesday, December 06, 2022 | 12:00 PM — 2:00 PM EST
CFP Board New Code of Ethics & Standards of Conduct
Presented by:
Marguerita Cheng, CFP®, CRPC, RICP®, CDFA®
Chief Executive Officer at Blue Ocean Global Wealth
Join Marguerita M. Cheng, CFP
®, Chief Executive Officer at Blue Ocean Global Wealth, for a special webinar focusing on the Certified Financial Planner Board of Standards’ (CFP) required learning objectives. This program fulfills the requirement for CFP Board-approved Ethics CE. It has been designed to educate CFP
® professionals on CFP Board's new Code of Ethics and Standards of Conduct effective October 1, 2019.
At the end of the course, participants will be equipped to:
- Identify the structure and content of the revised Code & Standards, including significant changes and how the changes affect CFP® professionals
- Act in accordance with CFP Board's fiduciary duty
- Apply the Practice Standards when providing Financial Planning Recognize situations when specific information must be provided to a client
- Recognize and avoid, or fully disclose and manage, Material Conflicts of Interest
Please Note: Two CE Ethics credits will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.
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Thursday, December 15, 2022 | 12:00 PM — 1:00 PM EST
Bridging the Gap: How to Talk to Clients About Tapping into Their Home Equity
Presented by:
Christian Mills
Financial Planner Channel Leader, Reverse Mortgage Funding LLC
With the likelihood of lingering long-term effects from the pandemic, rising inflation, and climbing healthcare costs, the threat of financial insecurity looms large for your older clients. That’s why it's never too early to discuss incorporating reverse mortgage solutions into a client's strategic plan.
Today’s savvy financial advisor knows that tapping into housing wealth provides yet another tool to sustain a client’s changing needs and financial obligations as they age. Plus, by creating that buffer asset, advisors may also foster portfolio longevity and retain management of more of their clients' assets as they age.
But many advisors are unsure how to broach the topic with their 55+ clients—especially given the unfortunate misconceptions many consumers still have about this practical tool.
Join Christian Mills, Financial Planner Channel Leader at RMF, for a unique look at how to bridge that educational gap and help your clients understand the
real value of their home equity from a holistic planning approach.
During the webinar, attendees will learn how to:
- Address common misconceptions clients may have regarding reverse mortgages
- Educate clients on the safeguards and protections available to clients who utilize their home equity
- Use effective strategies and loan scenario models to demonstrate improved probabilities of success for clients
- Demonstrate transparent, comprehensive educational materials to their clients
Please Note: One CE credit will be provided for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations.Available to borrowers as young as 55 in select states only. Higher minimum age requirements may apply. Visit www.reversefunding.com/equity-elite for details.
Register Now