Webinars
Home

Contact Us

December 8, 2021

GUARANTEED INCOME: THE FORGOTTEN HOUSEHOLD ASSET – WITH SPEAKER DAVID BLANCHETT

WEDNESDAY, DECEMBER 8TH 11:00AM-12:00PM PT

Guaranteed income is the largest financial asset for most retirees, yet it’s role in a financial plan is generally quite minor, treated simply as a cash flow that can be used to fund the retirement liability.

Explore why financial planners need to consider guaranteed income more fully, since doing can have significant implications on optimal investing and spending strategies. Topics about guaranteed income discussed include: its role on the balance sheet, its impact on portfolios, how it effects optimal spending strategies, and why it’s worth more than other assets, especially today.

In “Guaranteed Income: The Forgotten Household Asset” by David Blanchett, you will:

  1. Summarize how to evaluate the benefit of guaranteed income and why the probability success is the wrong metric to assess its value.
  2. Distinguish how guaranteed income should be considered as part of a balance sheet and statement of cash flows.
  3. Realize the impact of guaranteed income on optimal spending strategies, including a review of how it is more valuable asset than a traditional portfolio, especially in today’s environment.

What retirement professionals say about this course

  • “Great webinar! An excellent explanation of annuities in the guaranteed income picture.”
  • “A reminder to re-frame how income annuities are presented.

David M. Blanchett, PhD, CFA, CFP® is head of retirement research for Morningstar Investment Management LLC. In this role, he helps develop and

maintain methodologies relating to wealth forecasting, general financial planning, automated investment selection, and portfolio assignment for Morningstar Investment Management LLC. Prior to joining Morningstar, he was the Director of Consulting and Investment Research for the Retirement Plan Consulting Group at Unified Trust Company. He has published over 100 papers in a variety of industry and academic journals.

Register Here
December 16, 2021

HECM for Purchase Realtor Certification Course

THURSDAY, DECEMBER 16TH: 12PM – 2PM PT

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business

• How to sell more homes and dramatically increase your commission

• 10 things you should know about the HECM for Purchase Program

• Why traditional financing or paying cash may sabotage your client’s retirement

• 16+ Frequently Asked Questions

• How to create a competitive advantage over other real estate professionals that boomers see immediately

• Why 52 million boomers aren’t using your services and how to change their mind

Register Here
January 19, 2021

Using Housing Wealth to Improve Financial Outcomes in Retirement – with Barry Sacks

Tuesday, Jan 19th 11:00am-12:00pm PT

As clients retire, and hence end the receipt of regular income from employment or professional activity, cash flow considerations become paramount. Indeed, studies have shown that for most retirees, the concern about “running out of money” later in life outweighs any other concern. Also, studies show that more than half of all retirees are homeowners. This webinar examines four situations in which home equity can be used to diminish retirees’ risk of cash flow exhaustion while maintaining an acceptable level of living expenses. Quantitative examples will be given to illustrate each of the four situations.

In this one-hour session, you will:

• The effect of skipping a few distributions from a securities portfolio, replacing the income with draws on a buffer asset such as home equity, and how the result is greater cash flow sustainability and a greater legacy.

• Using a reverse mortgage to replace a conventional mortgage, and thereby reducing cash needs during retirement. (This is important for the many retirees who want to “age in place.”)

• How to use a “reverse mortgage for purchase” to downsize or to change location, and to provide additional funds to invest for additional cash flow in retirement.

• Using a reverse mortgage to provide liquidity for the division of assets in “silver divorce.”

Barry H. Sacks is a tax attorney specializing in pension law. He also has a Ph.D. in theoretical physics from MIT. He published the pioneering research paper modeling the use of reverse mortgage credit lines to mitigate the effects of adverse sequences of returns in retirement accounts. While developing his model for the use of reverse mortgages in retirement income planning, Barry became aware of other needs of retirees (or soon-to-be retirees), including those who are moving to new homes and those who are in the process of divorce. As a result, Barry has published papers demonstrating various uses of reverse mortgages to address these retirees’ needs.

Register Here
March 30, 2021

No Portfolio is an Island, Presented by David Blanchett

Wednesday, March 17, 2021 11:00am-12:00pm PT

Financial assets, such as stocks and bonds, are only one component of an investor’s total economic worth. Other assets, such as human capital, real estate, and pensions often represent a significant portion of an investor’s total wealth but are commonly ignored when building portfolios. It is important to understand into how important it is that we help our clients prepare financially for retirement by considering their total wealth, and not only their investable assets.

David Blanchett, head of retirement research at Morningstar Investment Management, explores various frameworks to design more efficient portfolios from a total wealth perspective in this presentation. Topics discussed include the relevance of human capital, optimal endowment allocations given donation risk, the impact of liabilities on optimal portfolios, efficient income investing, taxes, and optimal portfolios for different investing durations.

In “No Portfolio is an Island” by David Blanchett, you will:

Discover different types of risks to consider when building portfolios that are more efficient for clients when viewed from a total wealth perspective

Understand why there is no one efficient portfolio for all investors

Learn frameworks for incorporating different risks and preferences into the portfolio optimization process.

Register Here
April 16, 2021

When and Where?

Friday, April 16, 2021 11:00am – 12:00pm PST 2:00pm – 3:00pm EST

About our speaker:

Barry H. Sacks is a tax attorney specializing in pension law. He also has a Ph.D. in theoretical physics from MIT. He published the pioneering research paper modeling the use of reverse mortgage credit lines to mitigate the effects of adverse sequences of returns in retirement accounts. While developing his model for the use of reverse mortgages in
retirement income planning, Barry became aware of other needs of retirees (or soon-to-be retirees), including those who are moving to new homes and those who are in the process of divorce. As a result, Barry has published papers demonstrating various uses of reverse mortgages to address these retirees’ needs.

Content Overview:

As clients retire, and hence end the receipt of regular income from employment or professional activity, cash flow considerations become paramount. Indeed, studies have shown that for most retirees, the concern about “running out of money” later in life outweighs any other concern. Also, studies show that more than half of all retirees are homeowners. This webinar examines four situations in which home equity can be used to diminish retirees’ risk of cash flow exhaustion while maintaining an acceptable level of living expenses. Quantitative examples will be given to illustrate each of the four situations.

1-Hour Session | Key Topics:

1. The effect of skipping a few distributions from a securities portfolio, replacing the income with draws on a buffer asset such as home equity, and how the result is greater cash flow sustainability and a greater legacy.

2. Using a reverse mortgage to replace a conventional mortgage, and thereby reducing
cash needs during retirement. (This is important for the many retirees who want to
“age in place.”)

3. How to use a “reverse mortgage for purchase” to downsize or to change location, and to
provide additional funds to invest for additional cash flow in retirement.

4. Using a reverse mortgage to provide liquidity for the division of assets in “silver divorce.”

Register Here
May 17, 2021

Understanding How Different Types of Annuities Work | Presented by Wade Pfau

Tuesday, May 18; 11:00am-12:00am PT

Annuities with lifetime income provisions offer risk pooling, which tends to be underappreciated as a unique source of returns that is unavailable for an investment portfolio. But there are many types of annuities in the marketplace and understanding how they work can be complex.

 

This presentation seeks to provide a better understanding about different types of annuities, including income annuities such as single-premium immediate annuities, deferred variable annuities, and fixed index annuities. For the latter two, we will focus on how they provide exposure to market upside and on how optional guaranteed lifetime withdrawal benefit riders can support lifetime spending.

 

In “Understanding How Different Types of Annuities Work” by Wade Pfau, you will:

 

Distinguish between major annuities categories such as variable or fixed, immediate or deferred

Understand mechanics for how downside protection, upside potential, and liquidity features work for different annuity types

Appreciate the risk pooling insurance aspect provided by annuitization or by guaranteed distributions through an optional guaranteed lifetime withdrawal benefit.

 

What retirement professionals say about this course:

“Complexity requires continual learning as products and opportunities change. Webinars such as this one help us to understand what we do not know we do not understand!  Thank you!”

“Great Presentation. I am now convinced if I ever recommend an annuity I would need to hire Wade to help the client decide which annuity to purchase.”

“Wade is very knowledgeable. The step-up and rollup are new concepts to me.”

 

Wade D. Pfau, Ph.D., CFA, RICP, is the program director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. As well, he is a Principal and Director for McLean Asset Management.

Register Here
June 22, 2021

HECM for Purchase Realtor Certification Course

July 22, 2021 | 9am-11am PT 12pm-2pm EST

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business

• How to sell more homes and dramatically increase your commission

• 10 things you should know about the HECM for Purchase Program

• Why traditional financing or paying cash may sabotage your client’s retirement

• 16+ Frequently Asked Questions

• How to create a competitive advantage over other real estate professionals that boomers see immediately

• Why 52 million boomers aren’t using your services and how to change their mind

Register Here
June 23, 2021

HECM for Purchase Realtor Certification Course

June 23, 2021 | 9am-11am PT

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business

• How to sell more homes and dramatically increase your commission

• 10 things you should know about the HECM for Purchase Program

• Why traditional financing or paying cash may sabotage your client’s retirement

• 16+ Frequently Asked Questions

• How to create a competitive advantage over other real estate professionals that boomers see immediately

• Why 52 million boomers aren’t using your services and how to change their mind

Register Here
July 27, 2021

Prospering In a Post-COVID World | Presented by Joseph Jordan

Tue, Jul 27, 2021 10:00 AM – 11:00 AM PDT

This presentation seeks to take the business from the head to the heart. Jordan would like to propose a solution that fits into your existing situation to inspire advisors and provide them with up-to-date, actionable ideas. Faced with volatile markets, capricious government policies, and fearful clients, this is your best opportunity to proactively reach out to clients and new prospects, build trust and relationships, and deliver extraordinary value. You will be inspired to make calls, generate referrals, and add value to your client relationships.

Key topics in this presentation:

  • Right mindset dealing with COVID’s aftermath
  • Power of gratitude
  • Our products and services were made for markets like this
  • Client centricity – 4 pillars of a significant life
  • Built on 2 foundations – prospecting and everything else
  • The 6 retirement risks

Joe Jordan, inspirational speaker and behavioral finance expert, is the author of the award-winning book, Living a Life of Significance.  The book has sold over 125,000 copies, is translated in five languages and was featured in Nick Murray’s “The Advisor’s Essential Library.” He has given hundreds of presentations to over 400,000 financial professionals in 28 countries around the world.

Register Here
August 19, 2021

The Psychology of Retirement

Thursday 8/19 | 11:00am – 12:00pm PT
Presenter: Robert Laura, AAMS, CPRC

What if your biggest retirement threat is not inflation, health care costs, or running out of money? While these are important, each one pales in comparison to running out of family, friends, good health, and retirement happiness. It is important to prepare for your new everyday life by re-envisioning retirement in terms of your overall wellness so you can be happy, healthy, and more connected.

 

Key Topics in this Presentation:

Helps people avoid wasting the first few years of retirement trying to figure it out on their own.

Gives attendees actionable strategies to fight with the dark side of retirement.

Provides eye-opening research and insights that will change everything you have been brainwashed to believe about retirement.

 

Robert Laura, former social worker turned money manager and author, has found that retirement is among the most fascinating, yet least understood, phases of life. As a result, he has developed a powerful message to tackle the mental, social, physical, spiritual, and financial aspects of retirement. All of his work reflects his ground-breaking efforts to challenge the status quo of traditional retirement planning and help people create a No-Regrets Retirement Plan!

Register Here
August 25, 2021

HECM for Purchase Realtor Certification Course

Wednesday 8/25 | 11:00am – 1:00pm PT

Presenter: Ann Marie Stemen

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

 

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business

• How to sell more homes and dramatically increase your commission

• 10 things you should know about the HECM for Purchase Program

• Why traditional financing or paying cash may sabotage your client’s retirement

• 16+ Frequently Asked Questions

• How to create a competitive advantage over other real estate professionals that boomers see immediately

• Why 52 million boomers aren’t using your services and how to change their mind

Register Here
September 23, 2021

HECM for Purchase Realtor Certification Course

Thursday, Sept 23 11am-1pm PDT / 2pm-3pm EDT

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business

• How to sell more homes and dramatically increase your commission

• 10 things you should know about the HECM for Purchase Program

• Why traditional financing or paying cash may sabotage your client’s retirement

• 16+ Frequently Asked Questions

• How to create a competitive advantage over other real estate professionals that boomers see immediately

• Why 52 million boomers aren’t using your services and how to change their mind

Register Here
September 29, 2021

Retirement Alpha: 3 Surprising Ways Mortality Credits are Improving Retirement Outcomes

Wed, Sept 29 11am-1pm PDT / 2pm-3pm EDT

Presented by Tom Hegna, CLU, ChFC, CASL

Retirement Alpha really focuses on WHY an annuity is so important to a retirement portfolio for at least a portion of the retirement portfolio.  Tom shows how this is based in math and science, not opinions.  Back in the 1960’s, Dr. Menahem Yaari proved that only a lifetime income annuity can optimize income over the indefinite period of a human life.  Also, by using life insurance to go to family and charity, it enables you to spend much more of your money on your own retirement.  This is because you get life insurance for pennies on the dollar.  Economists around the world, to include Nobel prize recipients (like Dr. Robert C. Merton) are unanimous on the importance of annuities in a retirement portfolio.  The only real discussion is on what type of annuity and when to buy one.  Guaranteed Lifetime Income also increases happiness in retirement and research now shows that people who have guaranteed lifetime income tend to live longer as well.

Learning Objectives

•             Why Income is more important than assets in retirement

•             Why Risk Management is so important in retirement

•             Understanding that longevity is not just a risk, it is a risk multiplier

•             How mortality credits are the “secret sauce” of lifetime income – use “Other People’s Money”

•             Why Women face more risks in retirement than men

•             What does the Media say about Guaranteed Lifetime Income? 

About the Speaker:

Tom Hegna CLU, ChFC, CASL, is an author, speaker, and economist. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert! As a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars, helping Baby Boomers and seniors retire the “optimal” way. He specializes in creating simple and powerful retirement solutions based on math and science – not opinions. He has a unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand concepts.

Register Here
October 20, 2021

New Horizons in Estate Planning

Wednesday 10/20 11:00am-12:00pm PT / 2:00pm-3:00pm ET

Estate planning is key component of financial and retirement planning. There are new estate planning considerations for financial professionals in light of the pandemic, the SECURE Act and proposed legislation, and an increasing emphasis on living versus death estate planning. This session will help you understand how the new horizons in today’s estate planning might affect retirement plans.

In “New Horizons in Estate Planning” by Steve Parrish, you will learn:

1. Hear an update as to why estate planning has changed significantly in the last three years, and how it may change yet again with possible legislation in a post- pandemic economy;

2. Learn eight estate planning considerations that represent new thinking in this discipline;

3. Discover actionable ideas to help build these estate planning considerations into your client’s financial and retirement plan.

What retirement professionals say about this course

•  “Great overview of estate planning and reminder of the issues. I wish it could have been longer. The presenter was very knowledgeable.”

• “Re-thinking estate planning given new laws and potential tax changes”

• “The importance of end of life planning, having multiple streams of retirement income, and Roth IRA planning for the next generation.”

• “Excellent and timely presentation–thank you!”

Steve Parrish is the Co-Director of the Center for Retirement Income at The American College of Financial Services, where he also serves as an Adjunct Professor of Advanced Planning. He is also an Adjunct Professor of Estate Planning at Drake University Law School. With over 40 years’ experience as an attorney and financial planner, Parrish frequently addresses the financial challenges of individuals, business owners and executives nationwide.

Steve Parrish is an expert on retirement, estate, and business owner succession planning. He is a recognized industry authority, spokesperson and author serving as an ongoing columnist for Forbes.com.

**This program is approved for 1.00 hour of CFP® CE Credit**

Register Here
October 27, 2021

HECM for Purchase Realtor Certification Course

Wednesday 10/27 11:00am-1:00pm PT / 2:00pm-4:00pm ET

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

You will learn:

• A hidden opportunity most real estate professionals are missing and what it means to you, your clients and your business

• How to sell more homes and dramatically increase your commission

• 10 things you should know about the HECM for Purchase Program

• Why traditional financing or paying cash may sabotage your client’s retirement

• 16+ Frequently Asked Questions

• How to create a competitive advantage over other real estate professionals that boomers see immediately

• Why 52 million boomers aren’t using your services and how to change their mind

Register Here
Lion_Icon Wondering how many of your neighbors have a HECM or HECM for Purchase loan?
CloseOutIcon