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 commissions
• 10 things you should know about the Lifestyle Home Loan
• 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

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

A new framework for understanding the tax efficiency of basis assets such as stocks and insurance products is needed which provides insight into which assets to sell first in retirement to fund income.

By paying attention to marginal tax rates during accumulation and distribution, and the unique characteristics of taxation among account types, advisors can provide true alpha to high income clients whether they are still in their working years or are already retired. This presentation introduces asset location among the four fundamental account types using a net return framework.

In “Optimizing for Long-Term Tax Efficiency in Client Portfolios” by Michael Finke, you will learn:

• How to build an investing strategy that funds a spending goal with the highest net return for a given level of risk.
• How to take advantage of asset location strategies to improve clients’ net investment returns.
• Tax-friendly asset liquidation strategies for clients with a variety of taxable and tax-sheltered accounts.

Meet Michael Finke, PhD, CFP®

Michael Finke is a professor of wealth management and Frank M. Engle Distinguished Chair in Economic Security at The American College of Financial Services. He received a doctorate in consumer economics from the Ohio State University in 1998 and in finance from the University of Missouri in 2011. He leads the O. Alfred Granum Center for Financial Security at the American College and is a research fellow at the Retirement Income Institute, and a member of the Defined Contribution Institutional Investment Association Academic Advisory Council. He also serves on the board of the Puerto Rico Pension Reserve Trust.

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 commissions
• 10 things you should know about the Lifestyle Home Loan
• 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

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

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 commissions
• 10 things you should know about the Lifestyle Home Loan
• 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

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

Join us for an enlightening webinar featuring renowned retirement income expert and IncomeLab board member, Jamie Hopkins, as he delves into the cutting-edge concept of adaptive-based retirement income planning.

In an era of evolving financial landscapes, technological enhancements, and uncertain market conditions, traditional retirement income strategies like the 4% distribution strategy may no longer suffice. In fact, most of our planning today is too binary, focused on success and failure rates that miss the whole point and behavioral aspects of generating real world retirement income for clients. Adaptability is critical in retirement income planning, allowing you to navigate the complexities of today’s financial world with confidence and resilience.

Learn how to tailor your retirement income to your client’s unique circumstances, effectively managing risks and optimizing an adaptive guardrail-based retirement income approach to deliver a more sustainable retirement income plan.

• Understand how to assess clients’ evolving financial needs and risk tolerance, enabling advisors to tailor adaptive based retirement income plans that align with individual goals and circumstances.
• Learn how to effectively incorporate dynamic asset allocation strategies within retirement income planning, enhancing the ability to adapt to changing market conditions and optimize portfolio performance.
• Gain insights into advanced withdrawal strategies, such as the Guardrail Strategy and the Spend Safely in Retirement Strategy, to provide clients with more flexible and resilient income solutions.
• Discover how to leverage technology and digital tools for real-time monitoring and adjustment of retirement income plans, ensuring ongoing alignment with clients’ evolving objectives.
• Grasp the key principles of tax-efficient retirement income planning, including strategies for minimizing tax burdens while maximizing after-tax retirement income, to provide clients with more tax-efficient retirement solutions.

In “Snowbirding” by Steve Parrish, you will:

1. Learn what drives retirees to want to live in more than one location – to “snowbird”.
2. Gain an understanding of the financial, legal, budgeting and tax issues that can derail a client’s plans.
3. Discover financial solutions that help finance and maintain the ownership of more than residence.
4. Better understand how to work with retired clients who spend their time in more than one location.

Meet Steve Parrish, JD, RICP, CLU, ChFC, AEP
Retirement and Estate Planning Speaker

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 was also recently an Adjunct Professor of Estate Planning and Interim Director of the Compliance and Risk Management at Drake University Law School. With over 45 years’ experience as an attorney and financial planner, Parrish frequently addresses the financial challenges of individuals, business owners and executives nationwide.

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 contributor for both Forbes.com and Kiplinger.com.

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 commissions
• 10 things you should know about the Lifestyle Home Loan
• 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

*The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.

This presentation is based on research that identifies and validates a set of scorable retirement income factors to define preferences for an overall retirement income style. It describes a workable retirement model by showing how the factors connect to four main retirement income strategies: systematic withdrawals with total return investing, risk wrap with deferred annuities (or a HECM line of credit), protected income with immediate annuities (or HECM tenure payments), and time segmentation.

Approaching retirement income agnostically and matching retirement income strategies based on an individual’s personal retirement income style may lead to improved outcomes for retirees. This presentation better brings to life the safety-first and probability-based retirement planning approaches.

Learning Objectives

1. Identify various approaches taken for retirement income strategies.
2. Explain underlying retirement income factors which explain retiree preferences that coalesce into a retirement income style.
3. Link retirement income styles to existing strategic approaches for retirement income that satisfy retiree preferences.

Wade D. Pfau, Ph.D., CFA, RICP®, is the founder of RISAProfile.com and RetirementResearcher.com, and a principal at McLean Asset Management. He was the program director of the Retirement Income Certified Professional® designation and a Professor of Retirement Income at the American College of Financial Services, as well as a co-director of the college’s Center for Retirement Income.

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 commissions
• 10 things you should know about the Lifestyle Home Loan
• 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