28th Annual Symposium 2018

 
Symposium Session Descriptions    
  Monday General Sessions
The Crazy World of Health Care Reform: Dr. Carolyn McClanahan, CFP® CE
8:00 AM Healthcare is again in flux with the new administration. How will they change our health system and will this help or hurt health care delivery and costs? Although you can’t control the health care system, there is much you can control to prepare for your health care future. Dr. McClanahan brings you up to date on what is happening with health care policy in the new administration. She will give a brief history of the politics of health care reform, discuss potential changes in the future, and provide tips on what clients can do to control health care costs. 1 Hr CFP®,  FL Ins, PACE, CPE


The Intersection of Estate and Income Tax Planning:  Stacey Prince Troutman
9:00 AM As the federal estate tax exemption increases, it is estimated that less than 1% of Americans will be subject to the federal estate tax.  Nevertheless, your clients will need a customized estate plan for their particular situation.  In formulating an estate plan, proper focus should be placed on the income tax consequences of the planning as it is unlikely that the federal income tax laws will be repealed, in their entirety.

Stacey A. Prince-Troutman, Esq. will provide you with information needed to identify planning opportunities for discussion with your clients, including the following:

• Planning for the Basis Step-Up
• Planning with Retirement Accounts
• Utilizing Trusts in Income Tax Planning
• Succession Planning for Business Owners
• Leveraging Discounts in Gifting and Sale Techniques

1 Hr CFP®,  FL Ins, PACE, CPE


Protecting Your Clients, Protecting Yourself:  Dr. Carolyn McClanahan, CFP®
10:15 AM Aging presents many challenges. Risk of fraud and abuse, transitioning financial decision making, changes in living situations, when to quit driving, and how to make health care decisions are five key situations where people can face financial strain if preparations have not been made. Dr. McClanahan discusses putting preventive practices in place to help make better decisions during these transitions. She will share her processes and forms and share her new tool for planning for aging, Whealthcare Planning. By the end of the session, attendees will understand how to comfortably discuss these issues with clients and prepare clients for these important life changes. 1 Hr CFP®,  FL Ins, PACE, CPE


11:10 AM Economic Update:  Reasons to be Bullish:  Craig Koproski                                                                                                                                                                                          During this session Mr. Kaproski will discuss the current outlook for the economy and will focus on three topics:
▪ Signs that the economy is improving 1.5 Hr CFP®,
▪ The emergence of an American industrial renaissance 1 Hr   FL Ins,
▪ Why we think US companies are still undervalued PACE, CPE


1:15 PM Florida Unlicensed Practice of Law (UPL) Opinion in Medicaid Planning:  Antony Turbeville, John Toppa, III, Esq.
What is Medicaid planning?
In its most simple terms, Medicaid planning is the rearranging of assets and/or income in such a way as to be impoverished according to the rules in spite of a net worth exceeding the countable asset limits of Medicaid qualification.  This session will provide information on how the financial professional can assist clients with Medicaid planning and the UPL Opinion.  The session will discuss Qualified Income Trusts, personal service contracts, and asset and income planning. 1 Hr CFP®,  FL Ins, PACE, CPE


2:00 PM Low-interest rates, rising healthcare costs, and low savings rates are formidable and real headwinds investors face in meeting their retirement income needs. Traditional asset allocation approaches are being tested and questioned. Are they relevant today based on historical capital market assumptions? Now more than ever, investors need guidance in making investment decisions with their IRA rollovers. Advisors are poised to be an invaluable partner in navigating these investment challenges. Join us as we offer investment solution ideas built for these challenging times as well as best practices to help fulfill your fiduciary obligation in capturing your share of the $7.3 trillion IRA market. 1 Hr CFP®,  FL Ins, PACE, CPE


Model Portfolios:  Using Adaptable Portfolios to Streamline Business and Navigate Today’s Market Environment:  JD Gardner, CFA, CMT
3:05 PM The majority of the presentation will revolve around how to best approach portfolio management in today’s market environment. Current equity market valuations are as high as they’ve been since 1999, and accordingly, risks are higher, with lower return projections. In our opinion, equities are the best vehicle for long-term wealth accumulation and despite the risks, investors do need exposure to this asset class, but with further risk management than diversification alone. The use of adaptable model portfolios will be introduced as an efficient tool for advisors to streamline business operations, diversify allocations across different asset classes, and actively manage the risks inherent in today’s environment. Special focus will be given to the use of ETFs within models: keeping costs low and transparency into portfolio make-up high. Attendees will be introduced to different model allocations and given guidance on how best to combine broad market type exposure with more tactical allocations to provide investors with market type returns while at the same time protecting against near and long-term market volatility. 1 Hr CFP®,  FL Ins, PACE, CPE


Monday Breakout Sessions
4:15 PM Adding Value Through Behavioral Coaching:  Maria Quinn
Gain a deeper understanding of behavioral coaching, the Vanguard Advisor’s Alpha tenet that can provide the most value for your clients. Learn why consumers’ typical, ratings-driven approach to decision-making does not translate well to the investment world. And finally, we’ll discuss the value
you add as an effective behavioral coach.  Emphasis is placed on the importance of the financial plan and the emotional “circuit breaker” role that advisors can play for their clients.
1 Hr CFP®,  PACE, CPE
Non-Cash Assets as Charitable Contribution:  Cathleen Grady, Bryan Clontz
How would you help a client who wants to donate farmland, mineral rights or a vacation home to charity?  Non-cash assets such as real estate, closely held stock, and collectibles are estimated to be a $40-$60 trillion market; yet non-cash assets represent less than 2% of all charitable gifts.  Join Cathleen Grady, Schwab Charitable and Bryan Clontz, Charitable Solutions, as they provide solutions on how you can assist your clients in making non-cash charitable donations. 1 Hr CFP®,  FL Ins, PACE, CPE


10 Common Life Insurance Planning Mistakes AND How to Avoid Them:  David Duckworth CE pending
Session description coming soon….


5:10 AM Today's affluent investors: Insights and opportunities  Maria Quinn
Mass affluent, millionaire and ultra-high-net-worth investors are market segments that offer enormous potential. Vanguard partnered with Spectrem Group to provide research-driven insights on the attitudes and behaviors of these three “affluent investor” segments. This presentation provides an overview of the key research findings and offers advisors steps to attract and retain affluent investors. And finally, we’ll discuss the value you add as an effective behavioral coach.  Emphasis is placed on the importance of the financial plan and the emotional “circuit breaker” role that advisors can play for their clients. 1 Hr CFP®,  PACE, CPE


Detailed Case Studies Utilizing Non-cash Assets as Charitable Contributions: Cathleen Grady, Bryan Clontz
Having a thorough understanding of charitable planning techniques is critical when assisting affluent donors/clients with charitable giving and tax planning.  Join Cathleen Grady, Schwab Charitable and Bryan Clontz, Charitable Solutions, in a highly interactive session as they walk through detailed case studies on how to maximize your clients’ deductions through untapped assets such as real estate, privately held C corporations, S corporations, LLCs, limited partnerships and other unique assets. 1 Hr CFP®,  FL Ins, PACE, CPE


Tuesday General Sessions
8:00 AM Exploring Florida Prepaid College Savings Plans: A Deep Dive Discussion on Current Pricing and Flexibility, Sean Moore, CFP®
Join Sean Moore, CFP® for an in-depth educational session about each of Florida Prepaid’s College Savings Plans and how you can help families choose which plan is right for them. 1 .5 Hr CFP®, 1 Hr FL Ins, PACE, CPE


9:20 AM The Evolution of Smart Beta ETF's:  Timothy Urbanowicz, CFP
Smart beta strategies seek to offer investors an alternative to the traditionally polarized passive and active portfolio construction options. They are not simply offshoots of active management or ETF replication vehicles. Through smart beta ETF strategies, investors have the opportunity to retain broad market exposure, potentially achieve long-term outperformance when compared to an index, and reduce portfolio risk in a liquid, transparent, and low-cost way. 1 Hr CFP®. PACE, CPE


10:30 AM What you Need to Know in 2018: Real Estate Update:  Amy Moline
Your client's home is likely one of the largest assets (and perhaps largest debt) they own and knowing what is happening in your local real estate market will help you focus on and manage your client's entire net worth. 2017 has been an interesting year and knowing where the real estate market is trending will help you assist your clients to make informed decisions on selling, buying, investing and the challenges or opportunities they may encounter. The session will also address affordability by touching on loan costs, interest rates and how it could affect housing decisions.   Don't let your clients leave money on the table by using online services when a professional is better equipped to help you help clients plan for their future. 1.5 Hr CFP®, 1 hr FL Ins, PACE, CPE


12:50 PM Ask the Experts: Leveraging your clients’ life policy:  Panel Discussion
Representatives of the Life Insurance Settlement Association (LISA) and leading firms in the industry will provide an overview of life settlements as an alternative to lapse or surrender of a life insurance policy when it’s no longer needed or affordable. The life settlement option frequently overlooked by advisors and their clients. Further, not understanding the life settlement option is oftentimes cited as the primary reason more advisors don’t discuss this alternative. This session will explain how life settlements provide meaningful opportunities for advisors to better serve their clients and ensure that senior policyholders are informed about all the options available as alternatives to policy lapse or surrender. 1 Hr CFP®,  FL Ins, PACE, CPE


1:45 PM Mortgage Planning For Retirement:  Evaluating the Impact on Retirement:  Josh Velazquez, CMPS
During this presentation, the financial professional will learn how to understand the tax and cash flow impact of liquidating funds in a retirement account for a down payment; How homeowners and buyers can make better use of the exceptions to the 10% early withdrawal penalty; Where mortgage planning fits with the Roth IRA Conversion strategy; Mortgage Planning and Sequencing of Distributions: how to make retirement assets last longer. By attending the financial professional will be better equipped to help clients to make smarter financial choices and continue on their retirement path. 1 Hr CFP®,  FL Ins, PACE, CPE


2:40 PM Recent Trends In Domestic Asset Protection Planning:  Eric Boughman, JD & Gary Foster, JD, LLM
This seminar will discuss will provide an overview of the various ways to use domestic tools to protect assets. We will cover proper titling of assets, use of statutory exemptions, using limited liability companies, and asset protection trusts. The law applied to asset protection moves rapidly and we will discuss recent trends and developments to grasp a current state of the law with an eye toward what protective strategies are likely to hold up to future legal challenges. Beginning with the end in mind, we assume the worst case scenario and plan for providing protection when the skies turn gray. 1 Hr CFP®,  FL Ins, PACE, CPE


3:30 PM CFP Ethics Course:  Zahn, Inc, Ryan Newton, CFP® 2.0   Hr CFP®
This course satisfies the CFP® Board requirements for Ethics.
Please note:  If your CFP® renewal is/was after our Symposium 2017 but before Jan 1, 2018, you will receive credit for this course.  If you attended Ethics in 2017 but have not renewed your CFP Certification, you may not get credit.  Please contact Diane Layton for more information.