Financial Planning Consultants, Inc. (FPC) with its headquarters located in Lafayette, Indiana, offers Estate & Tax Services to individuals and their families for current and future generations. These services include, but are not limited to, the following:

  • Estate Tax Planning
  • Family Estate Planning and Trust Services
  • Gifting Strategies
  • Philanthropic Planning
  • Evaluation of Social Security Benefit Options and Medicare Insurance
  • Evaluation and Selection Assistance with Long-Term Care and Medigap Insurance
  • Evaluation and Selection Assistance with Nursing Homes, Assisted Living Facilities, and At-Home Health Care Living Arrangements
  • CareGiver Consulting Services
  • Life Insurance Audit Services
  • Structured Settlement Services
  • Long-Term Care Planning
  • Educational Services

 

Through FPC’s experience and vast network of financial and legal professionals, we provide value-added guidance and solutions to complicated financial issues surrounding Estate & Tax Planning. Even though we match you with a third party trustee that suits your particular situation, FPC continues to serve as your primary advisor to help that fiduciary matters are conducted in a manner sensitive to unique family needs and are consistent with your long-term goals and objectives. If you have an existing trustee relationship, FPC can also coordinate the management of your estate with the trustee of your choice.
 
TABLE OF CONTENTS
  1. Estate Planning Process
  2. Estate Tax Planning
  3. Family Estate Planning and Trust Services
  4. Gifting Strategies
  5. Philanthropic Planning
  6. Evaluation of Social Security Options and Medicare Insurance
  7. Evaluation/Selection Assistance with Long-Term Care and Medigap Insurance
  8. Evaluation/Selection Assistance with Nursing Homes, Assisted-Living Facilities, and At-Home Health Care Living Arrangements
  9. Caregiver Consulting Services
  10. Life Insurance Audit Services
  11. Structured Settlement Services
  12. Long-Term Care Planning
  13. Educational Services
  14. Seminars & Speaking Engagements

 
ESTATE PLANNING PROCESS
 
This estate planning process is structured for a client-oriented service designed to maximize the intellectual contributions of the professionals in a harmonious structure focused on helping the Client and all involved family members, companies and institutions achieve maximum benefit.
 
Definition of Estate Planning:
To be able to control your assets during your lifetime, so you can do what you want to do; to provide for you and your family in the event of your disability or death; be able to give what you have, to whom you want, the way you want, when you want; and to achieve savings in taxes, professional fees, administrative expenses and court costs.
 
The structure of the estate planning process is not an absolute conduct requirement. It is not likely that a client will require each of these steps in precisely described fashion. However, it does describe both the client-centric nature of the professional services and the collaborative process.
 
The Initial Complimentary Meeting:
FPC is normally the first to meet with a potential client to determine their degree of interest in estate planning. The purpose of the meeting is to obtain agreement on what is the client’s vision of the desired outcome. At this “get to know you” meeting, FPC will:
  • Ask the client to answer the question: How important is estate planning to you?
  • Explain the “Definition of Estate Planning” and describe the basic estate planning process: (data gathering, organization, analysis, coordination, recommendation, and implementation)
  • Discuss data organization and the importance of being organized
  • Discuss the estate analysis fee charged by the advisor to guide the client through the process and obtain agreement for the fee
  • Discuss the estate planning team approach which features cooperative professionals
  • Schedule an information gathering session to review the client’s personal and financial information
 
The Information Gathering Session:
The advisor meets with the client to review the client’s personal, family and financial information, which may include obtaining copies of many documents and contracts, and organizing them in the following manner:
  • FPC may use a financial data form to organize the data or may use a means provided by the attorney
  • Review personal and financial information, asking the client (and any participating family members) appropriate questions to understand ownership, any asset-specific objectives and determine the current beneficiary designations
  • Discuss the approximate range of attorney legal fees that may be required to accomplish the planning, and clarify that these expenses are independent of those of FPC
  • Make it clear that the attorney and FPC operate independently, and if the client is not comfortable, FPC may recommend another attorney
  • Schedule a complimentary meeting for the client with the attorney at the attorney’s office
 
The Professional Strategy Meeting:
FPC meets with the attorney, generally at the attorney’s office, to review the preliminary conclusions. This meeting will normally include the client and spouse or partner, if appropriate.
  • FPC “introduces” the attorney to the client and summarizes what has occurred to date
  • Listen and Learn-FPC and the attorney will learn more about the client, the family, and their hopes, fears, dreams and values they have for themselves, their loved ones, their business interests and their non-profit institutions of interest
  • Together all parties will reach a common understanding of the estate planning goals and objectives
  • The attorney will take the lead in making recommendations regarding the estate plan and the legal documents and procedures required-FPC will discuss with the client, when appropriate, disability/long-term care insurance; the financial review process; life insurance needs for income and special purposes; and insurance for estate tax and liquidity needs
  • The attorney will discuss steps necessary to implement the estate plan, the fee to accomplish this and schedule the date for the Legal Implementation Meeting to conclude the legal work
  • FPC will discuss steps necessary to make determinations on financial planning decisions, the fee to accomplish (if additional is necessary) and schedule the date for a Financial Planning Implementation Meeting to conclude the financial planning issues and decisions
 
Legal Implementation Meeting:
The attorney and the client meet (at the attorney’s office) to review and sign the estate plan documents, and FPC may attend. Afterward, the attorney may customarily schedule a subsequent session known as the “Trust Funding Meeting.”
 
Financial Planning Implementation Meeting:
FPC and the client meet (the attorney is welcome to attend) to discuss financial planning issues and recommendations. FPC will have confirmed either verbally or in writing the client’s financial planning decisions with the attorney.
 
The Trust Funding Meeting:
If not already accomplished in the Legal Implementation Meeting, FPC, the attorney and the client will meet to complete the paperwork required to change ownership and beneficiary designations and when appropriate to open new accounts, complete insurance applications, etc.
 
Verifications:
FPC, the attorney, the client and other appropriate third parties verify that ownership, account transfers and beneficiary designations are changed in accordance with the estate plan.
 
Six Month Meeting:
FPC, the attorney and client meet or converse to verify that everything has been executed and verified in accordance with the plan. It is possible that decisions may have been deferred on some topics, or additional information needed to be obtained, to close some aspect of the plan. The parties will discuss this and then schedule an Annual Estate Review Meeting.
 
Annual Estate Review Meeting:
  • Catch up on changes in the health and well-being of all members of the family
  • Review the scope (diagram) of the estate plan and verify that it is still appropriate
  • Review changes in financial circumstances and to what extent they might alter the plan
  • Verify the ownership and beneficiary designations of any newly acquired assets
  • Update the legal documents for changes in family goals or circumstances, technical changes brought about by court decisions, system or legislation, and any document enhancements recommended by the attorney
  • Discuss any other matters that may require attention
*Note: This structured estate planning process may vary somewhat, based on the family circumstances and the conditions under which the discussions were commenced.
 
 

 
 
ESTATE TAX PLANNING
 
Estate tax planning is very important to preserving your wealth for future generations. Knowing your potential estate tax liability is a great place to start your estate tax plan. FPC can help you estimate your current year estate tax liability as well as project the value of your estate, and the associated estate tax at a specific time in the future.
 
While we are familiar with the tax provisions of the issues presented herein; as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
 
 
 
 
FAMILY ESTATE PLANNING AND TRUST SERVICES
 
FPC works closely with a client’s attorney in the development or revision of a client’s estate documents, including wills, trusts (including Revocable Living Trusts, A/B Credit Shelter Trusts, Irrevocable Life Insurance Trusts, Q-Tip Trusts, Intra-Family Gifts, and Family Trusts), powers of attorney, health care proxy, and living wills. Trust services can be provided through one of the independent trust companies through which we have strategic alliances. The use of trusts allows clients to make conscious decisions regarding the passing of their wealth, during their lifetime and upon death, while retaining control.
 
In addition to estate document preparation, FPC will assist clients by verifying that their beneficiary designations on retirement plans and life insurance policies coordinate with the language within their estate documents. The titling of assets will also be reviewed to coordinate with the estate documents.
 
An individual or family should consider the following fifteen items when analyzing a basic estate plan:
  • Who are the heirs?
  • How will the estate be distributed?
  • Who will be your executor/trustee?
  • Who will be your minor or disabled child’s guardian if you were deceased or incapacitated?
  • What about estate taxes?
  • Basic Estate Planning – The Marital Trust/Credit Shelter Trust
  • Basic Estate Planning – Generation Skipping Trusts
  • Basic Estate Planning – Gifts
  • Basic Estate Planning – Charity
  • Basic Estate Planning – Irrevocable Life Insurance Trusts (“ILIT”)
  • Basic Estate Planning – Family Investment LPs and LLCs
  • Basic Estate Planning – Other Trusts
  • The importance of Durable Powers of Attorney and Living Wills
  • Long-Term Care Insurance
  • Government Assistance

If applicable, additional advanced estate planning techniques that FPC will advise clients on include: Standby Trusts, Foreign Situs Trusts, Medicaid or Special Needs Trusts, Qualified Personal Residence Trusts, Self-Canceling Installment Notes, Private Annuities, Sale-Leaseback Transactions, Remainder Interest Transactions and Split Interest Transactions.
 
While we are familiar with the tax provisions of the issues presented herein; as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
 
 

GIFTING STRATEGIES

 

FPC assists its clients in making wise decisions regarding gifting. Gifting has always been a method of reducing an estate. Individuals can gift unlimited amounts for tuition payments and medical bills. Therefore, careful planning is necessary to stay within the limits; otherwise gift taxes will be assessed. FPC counsels its clients regarding various types of gifts including: securities, real estate and business ownership interest, in addition to cash gifts so as to avoid gift taxation while accomplishing estate planning objectives. FPC also advises those clients who would be affected by the Generation-Skipping Transfer Tax as to how to avoid the tax.

 
While we are familiar with the tax provisions of the issues presented herein; as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
 
 
 
 

PHILANTHROPIC PLANNING

 

FPC assists clients in identifying their personal and family philanthropic values and priorities as well as designs a plan to fulfill them. Individuals can take advantage of different methods of making philanthropic gifts. For example, an individual investor could gift highly appreciated stock, instead of selling the stock and incurring the capital gain taxes. A real estate owner may want to give property, which has low earnings and because the management of the property is time consuming or facing a declining market value, but still is marketable. Here again the owner could avoid the capital gains tax as well as obtain income tax savings from the charitable deduction. Specific strategies that will be evaluated will include: Charitable Gift Annuities, Charitable Lead Trusts, Charitable Remainder Annuity Trusts (CRATs), Charitable Remainder Unitrusts (CRUTs), Net Income Charitable Remainder Unit Trusts with Make-up Provisions, Flip Trusts, Charitable Pooled Income Funds, Charitable Lead Trusts and Private and Public Charitable Foundations.

 
While we are familiar with the tax provisions of the issues presented herein; as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
 
 

 
EVALUATION OF SOCIAL SECURITY OPTIONS AND MEDICARE INSURANCE
 
A service included in the estate planning process is the review of social security benefits. As a client approaches retirement, does it make sense to begin taking benefits at age 62 or should they wait until their full retirement age? Will those benefits be taxable if taken before full retirement? FPC will also review the client’s social security earnings statement to make sure that all of the previous year’s earnings have been included.
 
Medicare is a federal health insurance program for persons 65 or older, persons of any age with permanent kidney failure, and certain disabled persons who are eligible to receive social security benefits. All eligible participants receive Part A (Hospital Insurance) without charge. FPC assists clients in determining if the client needs Part B (Medical Insurance) protection, which has a monthly premium. The discussions also cover additional protection with Medigap Insurance, which is outlined in the section entitled “Evaluation and Selection Assistance with Long-Term Care and Medigap Insurance”. If a client is not eligible to receive premium-free Part A benefits and is age 65 or older, the coverage can be purchased.
 
 
 

 
EVALUATION/SELECTION ASSISTANCE WITH LONG-TERM CARE AND MEDIGAP INSURANCE
 
This service is to assist clients in determining if there is a need for Long-Term Care Insurance. FPC will evaluate the client’s ability to be self-insured. If there is a need for coverage, the client will be aided in choosing a carrier and selecting the benefits that coordinate with their needs. This service is part of the comprehensive financial planning service. Also, if the client so desires, they may want to consider living arrangements other than their present residence, for example, Continuing Care Retirement Communities. For more information refer to the Evaluation and Selection Assistance with Nursing Homes, Assisted–Living Facilities, and At–Home Health Care Living Arrangements.
 
FPC provides assistance by evaluating Long–Term Care Insurance options and coordinating them with the needs of the client. These areas include:
  • Types of coverage
  • Amount of coverage
  • Term of coverage
  • Activities of Daily Living (ADL)
  • Coverage for mental illness
  • Cost
Medigap Insurance fills in the insurance gaps that Medicare does not cover. There are various levels of coverage to choose as well as a wide variation in premiums. Evaluating pricing differences (Insurance premiums are based on factors such as community ratings, thoroughness of underwriting, and health considerations) between each insurance company as well as the coverage differences among each of the ten mandated Medigap Insurance Plans (A, B, C, D, E, F, G, H, I and J) developed by the National Association of Insurance Commissioners (NAIC), can be difficult, if not downright intimidating. Furthermore, insurability is another consideration. FPC evaluates the clients’ needs and assists them in choosing the Medigap Insurance coverage that is appropriate for them. FPC will also coordinate the benefits a client may receive from their previous employer with the need for any additional coverage, including medical, long-term care or life insurance.
 
 
 

EVALUATION/SELECTION ASSISTANCE WITH NURSING  HOMES, ASSISTED–LIVING FACILITIES, AND AT–HOME HEALTH CARE LIVING ARRANGEMENTS
 
When the decision has been made that a client or their loved one has to be moved to either a nursing home, assisted living facility, or receive at-home health care, FPC will assist in the evaluation and selection of a facility or service. Also included in the evaluation are Continuing Care Retirement Communities or Lifecare Communities. These facilities not only provide housing for individuals age 62 or older, who are in good health, but also provide on-site assisted living accommodations and skilled nursing care, should the client need it at virtually no additional cost.
 
 
 
 
CAREGIVER CONSULTING SERVICES
 
CareGiver Consulting Services are provided by FPC to support the growing number of family caregivers. When necessary, we will consult with outside professionals or subcontract certain aspects of our service to deliver high quality advice to our clients. Because care giving is frequently not a family member’s primary occupation, this new role can cause unnecessary stress and strain for both the person in need of care and the person responsible for giving the care. CareGiver Services will give clients and trust officers the ability to connect with a national resource for information, assessments, care planning, care implementation or monitoring care.
 
CareGiver Services are used when the FPC client, who is a caregiver, has concerns and needs professional advice and when:
  • The client would like an assessment of the care recipient’s current care situation
  • The client may be the primary caregiver and is struggling in this role
  • The care recipient’s needs may exceed the level of care available from the current provider
  • The client wants to plan for future care needs

 

 
 
 
LIFE INSURANCE AUDIT SERVICES
 
While the spotlight of fiduciary standards is focused on investment activity (and that of asset management*), only a small number of advisors are connecting the dots to challenge a dual set of compromising standards. There are two primary functions in the financial planning process: asset management and risk management. While many advisors overlook or ignore their fiduciary responsibility on the risk management side, we at FPC embrace this responsibility by offering Life Insurance Audits.
 
The FPC Insurance Audit Process includes an evaluation of the following:
  • Ratings. Ensuring that the insurance carrier is maintaining an acceptable rating by the leading industry rating agencies
  • In-Force Ledger. Verifying that, according to current policy projections and funding levels, the policy will remain in-force
  • Design. Discovering if anything has changed in the life of the insured or in their financial position that would require a change to the plan
  • Mortality. The single most expensive portion of a life insurance policy. We verify that the consumer is underwritten correctly and is able to take advantage of the drastic changes in underwriting technology over the last 15 years
  • Product and Carrier advancements. By reviewing thousands of plans and hundreds of insurance carriers every year, we stay on top of the advances in the industry to provide the consumer with the most effective product for their needs
  • Fair Market Value. The policy may have a fair market value that is significantly higher in the secondary market than its cash surrender value indicates
 
 
STRUCTURED SETTLEMENT SERVICES
 
A structured settlement is compensation for a personal injury claim where at least part of the settlement is paid over time, rather than in a lump sum. Instead of taking the entire settlement at once, the claimant accepts a promise from some entity to make future payments according to an agreed upon schedule. The future payments are flexible:
  • They can last for varying lengths of time, including the remainder of the claimant’s life
  • They can be equal installments and/or deferred lump sums
  • The amount of each periodic payment can be fixed or variable
Structured settlements encourage sound financial planning. Insurance statistics indicate that 25%-30% of accident victims who receive lump sums completely dissipate their judgments or settlements within two months of recovery, as do 90% within five years*. Structured settlements, which involve agreed upon amounts and times of payments, helps protect against such dissipation.
 
Payments can be scheduled so that funds are available at the points in time when they are needed, for items like medical care, retirement, mortgages, short-term liquidity, estate development and preservation, or higher education. FPC assists clients with structured settlement decisions by incorporating each option with the client’s specific financial situation.
 
*Source: Little, Meyers & Associates, Ltd. 2005
 
 
 
LONG-TERM CARE PLANNING
 
Long-term care planning includes a wide range of services for individuals who have functional limitations or chronic health conditions. Those individuals require several types of care including: sub-acute, rehabilitative, medical, skilled nursing and supportive social services. Long-term care services can be provided in a variety of settings which include nursing or assisted living facilities, respite care, adult day care and home and community based settings. Within those settings, an individual can receive several different types of care:
 
  • Skilled nursing care. Care provided by a licensed health care professional such as an RN, LVN, occupational, physical or speech therapist. Additionally, this type of care is provided on a continuous, 24–hour per day basis.
  • Intermediate care. Care is provided by a licensed health care professional, such as an RN, LVN, occupational, speech or physical therapist. This type of care differs from skilled nursing care because it is provided on an intermediate basis, usually three to four hours per day.
  • Custodial care. Care is provided by an unskilled, unlicensed care provider, such as personal care attendants, certified nursing assistants, home health aides and homemakers. Those caregivers do not provide “medical” care but rather assistance with activities of daily living, including eating, dressing, toileting, transferring, ambulation, medication reminders, continence regimens, meal preparation and light housekeeping. Essentially, custodial care is intended to ensure the safety and well-being of the debilitated individual.
 
FPC will help you plan for any foreseen and unforeseen Long-Term Care Needs and will help you evaluate your options and how each option will impact your financial and personal well-being now and in the future.
 
 
 
 

 
EDUCATIONAL SERVICES
 
FPC provides a number of different financial education workshops that vary in length and content.  Most can be tailored to the group being addressed.  FPC also offers Financial Planning Newsletters that are available on a quarterly basis.  E-mail newsletters for financial planning as well as investing are available monthly.  The workshops available are as follows:
 
 
Basic Investing:
This workshop provides a historical overview of the investment markets, completion of a risk tolerance questionnaire by each individual, and instruction as to how each individual can build an investment portfolio that works towards their financial goals.  FPC does not provide specific investment advice to individuals under this service.
 
Financial Planning:
FPC’s financial planning workshop covers most, if not all, of an individual’s financial planning needs.  The subject areas covered are as follows:
 
  • Basic finance issues – saving, emergency reserve funds, debt management
  • Insurance – homeowners, automobile, personal umbrella liability, disability, medical, health, long-term care, life insurance
  • Education funding
  • Retirement planning
  • Estate planning
  • Investing
 
Retirement Planning:
This workshop is designed for those individuals who desire to plan for retirement.  The workshop addresses the client’s need to accumulate funds for retirement, the tax laws associated with saving for retirement, how much they need, the potential sources of retirement income, the expenses they will incur, the taxation of retirement benefits when they are distributed from retirement plans, pre-59½ and post-70½ distribution penalty taxes and how to avoid them.  Additionally, the workshop covers the need for insurance, such as long-term care and Medicare supplement policies during retirement.  Finally, the workshop addresses investing issues during retirement.
 
Retirement Plan Investment Education:
This workshop is designed to educate and help people understand how to maximize their 401(k) and other financial investments.  Our goal is to provide the knowledge and tools needed to make informed financial decisions.  Because FPC is an independent provider of 401(k) advice and has no obligation to mutual fund companies, insurance companies or banks, we are a great source of objective information.  This comprehensive workshop is suitable for all Retirement Plan participants.  It details the components of their 401(k) plan - the investment options, contribution limits and loan features.  Then it addresses diversification and proper asset allocation.  This workshop also may address Traditional and Roth IRA issues.
 
Retirement Plan Distribution Planning:
This workshop is designed for individuals who are retired or are within ten years of retirement.  It discusses the rules for distributions from IRAs, Roth IRAs and other retirement plans.  The workshop reviews income taxation, penalties, and how to avoid them.  A comprehensive discussion of IRA, IRA transfers, Roth IRA conversions, in-service distributions, and plan borrowing laws will also be presented.  The workshop will cover beneficiary issues as how to mitigate income taxation to heirs and how to set up heirs for their own retirements.
 
 
 
 

SEMINARS & SPEAKING ENGAGEMENTS
 
Custom Corporate/HR Services:
Today, many employees do not fully understand their retirement plan and other benefits offered by their employers. While employers are spending a lot of money on administrative expenses, contributions, etc., they are not receiving the full benefit in terms of employee loyalty that they should.
 
Moreover, in today's litigious society, by educating your employees about their retirement and other benefits you can minimize your fiduciary liability by complying with ERISA rule 404 (c).
 
We can work with you to help meet the ERISA requirements for reducing fiduciary liability by assisting with the development and updating of investment policy statements, reviewing investment managers and investment choices and assisting in retirement plan design and implementation. All programs and services are customized to your specific needs.
 
We can work with all types and sizes of organizations ranging from just a few employees locally to thousands of employees worldwide. Our presentations will open your employees' eyes to important issues in the workplace and at home, and will motivate and challenge employees to reach goals they've never achieved before and help them feel good about themselves and their company.
 
Financial Planning Consultants, Inc. can design a program for your employees to review your current 401(k) plan and other benefits offered by your company either as a single presentation or as part of an ongoing educational program. We can also work with pre-retirees to discuss their retirement options and help them with their retirement planning.
 
This can be arranged on a group basis, or on a one-on-one consultative basis. We are not selling any products or services, but merely educating your employees about the plan you have in place and what their options are. Individualized retirement savings needs and retirement cash-flow analysis can also be provided.
 
Corporate education programs can be customized to meet your specific goals and budget. In addition, this will allow your human resources people to concentrate on their day-to-day activities doing what they do best. If you do not have a dedicated human resources department, we can serve in that capacity for you.
 
 
Services that we have provided include, but are not limited to:
 
Seminars and Workshops:
  • What benefits is your company providing and what do they do for you (one-time seminar)
  • Understanding your 401(k) plan and the investments offered (given both on a one-time basis and on an ongoing basis)
  • Seminar on understanding retirement savings needs plus individual consultations and written retirement savings needs analysis for all participants
  • Determining what to do with a retirement savings from a former employer's plan and how much will you need to live in retirement - a review of pension, 401(k) and social security
  • Pre-age 59 1/2 IRA distributions
  • Health and disability insurance - what is the company doing for you
  • Deferred compensation and split dollar arrangements for key executives
 
Services:
  • Design and write investment policy statements
  • Provide individualized retirement plan consulting with current employees and executives including retirement cash-flow, savings needs and asset protection analysis
  • Annual review of existing retirement plan and investment performance
  • Selection and monitoring of investment plan managers
  • Retirement plan design and implementation
  • Assist in establishing 401(k), SIMPLEs, SEPs, Profit Sharing and other qualified plans
  • Design and implementation of non-qualified plans and deferred compensation
  • Review of buy-sell agreement funding and insurance (disability & life)
  • Design group life, health, long-term care and disability programs
 
There is no cost or obligation to meet and discuss what your needs are and how we may be able to help you and your company.
 
Private Seminars - Speakers Bureau:
Mark Dahlenburg, Registered Principal, is personally available to speak on many of today's economic, financial and savings topics.  We also have access to some of the most innovative, engaging and recognized speakers in order to provide the perfect speaker for your group, club or function with a presentation customized for your needs.
 
Our speakers will entertain, educate, and relate to your group. There is no cost or obligation to contact Mark Dahlenburg for more information on how we can help provide a speaker and to discuss what your group's specific interests and goals are. We commit our professional service and support to producing more inspiring, educational and entertaining events - with less time and effort for you.
 
We can also arrange accredited continuing education seminars for many groups and organizations including - Insurance CE credit, CFP®® credit, CLE credits and CPE credit for CPA®'s with advance notice.
 
 
Some examples of topics we have presented include, but are not limited to:
 

    Estate Planning

  • Basics of Estate Planning
  • Estate Planning - Wills, Trusts, and Probate - What Does It All Mean
  • The 10 Most Common Estate Planning Pitfalls 
  • Creating A Best of Class Estate Plan and The 5 Reasons Why Most Existing Plans Do Not Work
  • Saving for Your College Education - Section 529 Plans and Beyond
  • Review of Important Business and Estate Planning Concepts

    Personal Investing

  • Women and Investing
  • Stock Market Update
  • Investment Policy: Considerations in Setting Objectives to Risk Controls
  • Evaluating Retirement Accumulation Needs 
  • Saving for Your College Education - Section 529 Plans and Beyond
  • How To Design Investment Policy Statements (IPS)
  • Asset Allocation Strategies for the Long Haul 
  • How to Make Your Retirement Income Last as Long as You Do 
  • Points to Keep in Mind when Selecting Your Asset Allocation Strategy 
  • What Issues to Consider When Deciding How to Invest Your Money
  • Successful Long-Term Investment Strategies
  • What Does It Take to Succeed in the Financial Markets
  • Preparing to Invest Wisely

    Wealth Management

  • Wealth Transfers and Asset Protection Strategies
  • Protecting Assets From Long Term Care Costs
  • Creative Wealth Strategies - Doing Well While Doing Good
  • Charitable Trusts and Charitable Giving  
  • Saving for Your College Education - Section 529 Plans and Beyond
  • Review of Important Business and Estate Planning Concepts
  • Wealth Building through Investment & Tax Planning Strategies
  • Six Critical Steps to Managing Wealth

    Retirement Planning

  • Retirement Planning 101
  • Retirement Plans for Small Businesses 
  • Developing An All Weather Portfolio for Your Retirement Funds
  • Evaluating Retirement Accumulation Needs
  • Building A Foundation for A Successful Retirement
  • Retirement Income: Perception vs. Reality
  • How to Make Your Retirement Income Last as Long as You Do
  • Calculating the Cost of Retirement and Estimating Your Retirement Income Need
  • What to Do if You Retire Early
  • Which Retirement Plan Distribution Method will Best Match Your Retirement Income Needs 
  • Who Should Be the Beneficiary of Your Retirement and IRA Plans - Understanding the Required Minimum Distribution Rules

    Small Business Owner

  • Business Continuation Planning: The Buy/Sell Agreement
  • Choosing a Business Entity
  • Retirement Plans for Small Businesses
  • Review of Important Business and Estate Planning Concepts 
  • Why is a Business Valuation Important 

    Financial Planning Topics

  • Developing An All Weather Portfolio for Your Retirement Funds
  • Saving for Your College Education - Section 529 Plans and Beyond
  • It's Now Time To Think About Income Tax Savings Strategies - 10 Strategies to Reduce Income Taxes
  • Your Unbiased Guide to Life Insurance
  • The Seven Circles of Financial Planning 
  • The Impact Inflation has on Your Income
  • IRAs/Roth IRAs/IRA Accounts
  • How To Pick A Financial Advisor
 
We match the needs of your program with the special capabilities of our professional speakers by searching through our networks, locally, nationally and worldwide.