January 27, 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.

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January 19, 2021

HECM for Purchase Realtor Certification Course

Wednesday, Jan 27th 10:00am-12:00pm 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
March 13, 2019

Best Practices for Retirement Income – hosted by Wade Pfau

As the baby boomers reach retirement, advisors must solve new problems for clients. As clients shift their focus from maximizing wealth to creating sustainable retirement income, clients face a greater range of risks, and clients increasingly must solve a complex lifetime financial problem. Key retirement risks include longevity risk, market and the newly emergent sequence of returns risk, and personal spending shock risks. Each risk requires different income tools and risk management techniques. Two distinct schools of thought have emerged within the retirement income world: probability-based approaches and safety-first approaches. This presentation considers how different retirement income tools can be combined to build more efficient retirement strategies in a way that best integrates aspects from both schools of thought.

In this one-hour session, you will:

• Differentiate between the accumulation and distribution phases of retirement planning

• Understand key retirement risks

• Survey the retirement tool landscape with respect to investments and/or insurance.

Wade D. Pfau, Ph.D., CFA, RICP, is the curriculum 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. He is also a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal. He is the author of the books, Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.

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May 20, 2019

How to use Reverse Mortgages to Secure Your Retirement – Wade Pfau

Wed, May 20, 2020 11:00 AM – 12:00 PM PDT

In the early days, reverse mortgages were generally treated as a last resort option after other resources were depleted, or as a way to obtain quick access to a large lump-sum of assets. This is not the appropriate way to think about reverse mortgages in a retirement income plan, especially in light of recent research. The reverse mortgage option should be viewed as a method for responsible retirees to create liquidity for an otherwise illiquid asset, which in turn can create new options that potentially support a more efficient retirement income strategy (more spending and/or a greater legacy).

After providing an overview of retirement income planning, which sets the context for understanding the potential role of reverse mortgages, this presentation explains the basics for how reverse mortgages work. I then provide an overview of potential uses for a reverse mortgage, while focusing on ways to coordinate the line of credit use with distributions from the investment portfolio, and how to think about the reverse mortgage line of credit as a form of insurance to protect against market losses or declines in the home value. Financial advisors must pay attention to their client’s home equity, as this is a vital asset that can be used as part of a coordinated strategy to improve retirement outcomes.

About the Speaker:

Wade D. Pfau, Ph.D., CFA, RICP, is the curriculum 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. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income.

Register Here
December 18, 2019

Estimating the True Cost of Retirement – Presented by David Blanchett


Retirement is the most expensive “purchase” faced by most individuals… In order to properly forecast the value of assets during retirement, it is important to consider several other variables when estimating a person’s total retirement liability, such as their optimal replacement rate, their forecasted retirement period, and what it truly means to fail (or succeed). Retirement professionals need to have a framework for understanding and projecting retirement costs for each client, and a process for better estimating the true cost of retirement.

In this one-hour session, you will learn:

· Gain a better understanding of the key variables required to estimate the cost of retirement

· Learn of a more effective approach for calculating an income replacement rate

· Learn of a better spending model to help you understand how expenses tend to change throughout retirement and the implications of these changes on the retirement need

· Explore how efficient accumulation portfolios are not the same as efficient retirement portfolios

About Our Speaker:

David M. Blanchett, PhD, CFA, CFP® is head of retirement research for Morningstar Investment Management LLC, where he helps develop and maintain methodologies relating to wealth forecasting, general financial planning, automated investment selection, and portfolio assignment. He has published over 100 papers in a variety of industry and academic journals.

David is currently an Expert Panelist for the Wall Street Journal, an Adjunct professor of Wealth Management at The American College, a member of the Executive Committee for the Defined Contribution Institutional Investment Association, and a member of the ERISA Advisory Council.

Register Here
August 19, 2020

COVID-19’s Impact on Social Security Claiming Decisions – presented by Mary Beth Franklin

Wed, Aug 19, 2020 11:00 AM – 12:00 PM PDT


Social Security benefits represent one of the few sources of guaranteed income that retirees can count on for life. Deciding when and how to claim Social Security benefits is one of the most important decisions that retirees will ever make, but the rules are complicated. While there has been a growing appreciation in recent years of the value of delaying Social Security to maximize lifetime benefits, the COVID-19 pandemic and its devastating impact on the economy has prompted some Americans to rethink their previously planned Social Security strategy. Whether responding to job loss or market volatility concerns, claiming Social Security earlier than planned can resolve some immediate income needs.


In this one-hour session, you will:


  1. Understand how claiming age affects the amount of Social Security benefits received by retirees and their surviving spouses;
  2. Learn how earnings from a job can reduce benefits if claimed before full retirement age and what to do if you retire after exceeding annual earnings limits;
  3. Discover strategies to reverse early claiming decisions and create larger future benefits.


Mary Beth Franklin, CFP is one of the country’s leading experts on Social Security and Medicare.


An award-winning journalist and Certified Financial Planner, Mary Beth writes a weekly column on retirement issues for Investment News, a publication for financial advisers. She is also author of the ebook, Maximizing Your Social Security Retirement Benefits.

In 2016, Mary Beth was honored with a Hero Award from the Women’s Institute for a Secure Retirement (WISER) for her efforts to improve retirement security among women. She is also an inaugural member of the Certified Financial Planner Board of Standard’s Women’s Initiative Council which focuses on improving gender and racial diversity in the financial services profession.

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September 23, 2020

Key Retirement Plan Changes & Updates for 2020 and Beyond – Presented by Denise Appleby

Wednesday, September 23rd, 11:00 AM – 12:00 PM PT

Key Retirement Plan Changes and Updates for 2020 and Beyond: The SECURE Act, The CARES Act, and In-between…
Presented by Denise Appleby.
The rules that apply to distributions from inherited retirement accounts have changed. As of 2020, designated beneficiaries are subject to strict guidelines that limit the period over which they can take distributions to 10 years. In addition, temporary relief has been granted for qualified individuals to take distributions with special tax benefits for 2020 and required minimum distributions have been waived.
This webinar will help advisors understand the rules that apply to these provisions, how to help clients avoid mistakes that could result in IRS assessed penalties and loss of tax deferred status, and how to identify the different types of beneficiaries who are eligible for exceptions to the new restrictive distribution rules.
In this one-hour session, you will:
• Differentiate between designated beneficiary, eligible designated beneficiary, nondesignated beneficiary, and the distribution options that apply to a beneficiary based on the category in which the beneficiary falls.
• Outline the eligibility requirements for coronavirus-related distributions and the available tax benefits.
• Create a timeline for 2019 beneficiaries and identify the steps that must be taken to benefit from the pre-SECURE Act stretch IRA beneficiary options.

Denise Appleby, MJ, CISP, CRC, CRPS, CRSP, APA is a premier provider of training, educational tools, marketing materials and technical consulting services for financial, tax and legal professionals, on IRAs and employer-sponsored retirement plans for small businesses. Her primary goal is to help prevent mistakes from being made with retirement account transactions;
and where possible, provide solutions for mistakes that have already been made.

Her specialties include:

  • Providing tools and support on IRAs and defined contribution plans, including:
  • Translating tax code and regulations into ‘plan language’
  • Providing marketing tools & aids to financial, tax and legal professionals
  • Providing technical support to financial, tax and legal professionals
  • Providing training to financial, tax and legal professionals.
Register Here
October 28, 2020

The Power of Zero – presented by David McKnight

11:00am-12:00pm PT

There is a huge freight train bearing down on America and it’s coming in the form of higher taxes. Yet, most Americans continue to accumulate the vast majority of their savings in tax-deferred vehicles like 401(k)s and IRAs. In this presentation, industry leader David McKnight discusses the perils of tax-deferred investing and explains how life insurance can help get your clients off the train tracks and into the 0% tax bracket by retirement. Why is zero percent so powerful? Because if tax rates double, two times zero is still zero!


In this one-hour session, you will:

Understand that tax rates in the future are likely to be dramatically higher than they are today

Learn the only way to truly insulate yourself from higher tax rates is to get to the 0% tax bracket

Recognize it’s nearly impossible to get to the 0% tax bracket by relying on just one stream of tax-free income.


Over the last 20 years, David McKnight has helped put thousands of Americans on the road to the zero percent tax bracket.

His 2018 bestselling book, The Power of Zero, ranked as the #9 best financial resource in the country by Forbes Magazine, and has sold over 250,000 copies. It was also made into a full-length documentary film entitled The Power of Zero: The Tax Train Is Coming.


He has been featured in Forbes, USA Today, The New York Times, Fox Business, Bloomberg Radio, MarketWatch, CBS Radio, CNBC, Yahoo Finance, Nasdaq.com, Reuters, Investor’s Business Daily, Kiplinger’s and numerous other national publications. David was a Focus Speaker at the worldwide annual meeting of MDRT in Toronto, Canada and is a multiple Top of the Table qualifier. As the President of David McKnight & Company, he mentors hundreds of financial advisors from across the country who specialize in The Power of Zero retirement approach. He and his wife Felice have seven children.

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December 9, 2020

Gray Divorce: The Platinum Challenge – Presented by Lili A. Vasileff

Wednesday, December 9, 2020 11:00am-12:00pm PT / 2:00pm-3:00pm ET


Every 10 seconds a Boomer turns 60 years old. Gray divorce is what many boomers face, as the divorce rate has doubled since 1994 among U.S. adults over age 50. Contrary to expectations, long term marriages are not immune, and the largest increase (55%) is in first time marriages of over 20 years. This session will help advisors understand what Boomers want, what Boomers experience, and what the consequences of gray divorce are relating to financial security. You will also better understand what older women want from their advisors and how to work with them.


In this one-hour session you will:

• Learn about the triggers for gray divorce

• Recognize the challenges Boomers face at this stage of life and how divorce further complicates financial security, especially for women

• Learn about the divorce process, financial issues in divorce, and decision-making within the context of the law

• Recognize how COVID-19 affects the divorce process and adds stressors

• Identify eight key areas for discussion with your clients going through divorce that must not be overlooked

• Identify and illuminate opportunities for clients to maximize cash flow, divide assets and preserve wealth unique to the divorce process.


About our Speaker: Lili A. Vasileff is a fee only Certified Financial Planner (CFP®), Master Analyst in Financial Forensics (MAFF™) specializing in Matrimonial Litigation, Certified Divorce Financial Analyst (CDFA®), and President of Wealth Protection Management based in Greenwich, CT. She is a trained mediator, collaborative financial specialist, and qualified litigation expert. She is a nationally recognized expert practitioner, speaker, writer, and author of three books, including, Money & Divorce: The Essential Roadmap to Mastering Financial Decisions published by the American Bar Association. Lili is also the co-president of the national Association of Divorce Financial Planners (ADFP).

Register Here