Save the Date ? October 12, 2012
Join us for our October 12 FPA MA Half Day Meeting and Ethics Session.
Up to 5 cfp ce?s, 2 ethics ce?s and 3 MA Insurance ce?s, 3 CIMA ce?s.
Registration Coming Soon!
The College Planning Predicament
with Brett R. Danko, CFP?, CRPC?, Main Street Financial Solutions, LLC
It is no secret that college tuition inflation is outpacing regular inflation and as a consequence, more middle and upper income parents are growing increasingly concerned about handling tuition expenses.
This session will provide information and discussion about college funding strategies leading up to the college years such as 529 Plans, UTMAs/UGMAs, Coverdell Education Savings Accounts, Education Savings Bonds as well 2503(c) trusts. In addition, we will explore various funding strategies to be implemented during the college years such as American Opportunity Credit, PLUS Loans, Stafford Loans, Lifetime Learning Credit, utilization of 529 and Coverdell Plans as well as financial aid strategies.
Brett R. Danko, CFP?, CRPC? has worked in the financial services industry for nearly 20 years and is a featured nationwide lecturer on matters of personal finance. He is regularly called upon by the financial services industry to provide financial planning training to top tier financial advisors and to consult on complex planning issues affecting their clients.
Brett is a dynamic speaker with the ability to deliver complex information to professionals and clients in an easily understandable way. He teaches all the required CFP? Certification Education Courses (Financial Planning, Insurance, Investments, Income Tax, Retirement and Estate) and CFP? Board Certification Examination Prep Courses throughout the United States. He also provides classroom continuing education to industry professionals. Brett is a regular speaker at key client events where he presents on emerging and hot topics in the financial planning arena.
Brett also provides financial advisors continuing education through a subscription service, FP Resource Center, LLC. This service provides twice monthly calls to financial professionals across the country and covers a different financial topic each month as well as strategies how to integrate this knowledge into their practice.
In addition, Brett is President of his own RIA, Main Street Financial Solutions, LLC, a fee-only firm specializing in financial planning and asset management. In addition, Brett is a volunteer consultant a number of New Jersey organizations that serve women affected by domestic violence. In that capacity, he helps the agency clients address their complex financial planning situations.
Brett grew up in Pittsburgh, PA and is a graduate of the University of Pennsylvania. He lives in Lawrenceville, NJ with his wife and two children.
Index Annuities: Looking Under the Hood
with John L. Olsen, CLU, ChFC, AEP, Principal, Olsen Financial Group
- What are index annuities anyhow, and what are they supposed to do?
- The basic types of index annuities and how the ?moving parts? work
- Common misconceptions about index annuities
- Which type of index annuity is best?
?Myths and Misconceptions about Annuities?
with John L. Olsen, CLU, ChFC, AEP, Principal, Olsen Financial Group
- What annuities are good for. What? they?re not good for. When an annuity may be suitable. When it may not.
- Why, and how, much of the criticism of variable and indexed annuities is flawed, and, often, misses the whole point
- Why, and how, many ?sales pitches? for annuities are just as flawed
- The tax aspects that both critics and fans of annuities usually get wrong
John L. Olsen, CLU, ChFC, AEP is a financial advisor and estate planner practicing in St. Louis County, Missouri.
John graduated from the University of Missouri at Columbia, in 1968, with a B.A in history. He holds the Chartered Life Underwriter (1983) and the Chartered Financial Consultant (1985) designations from the American College. John completed the two-year course in personal and business life insurance offered by the Life Underwriters Training Council (LUTC) in 1975, and the one-year Advanced Sales course in 1979. In 2004, he received the designation of ?Accredited Estate Planner? (AEP) from the National Association of Estate Planners & Councils.
John joined the financial services industry in 1973. He has worked for several insurance companies as an insurance agent, sales manager, Agency Director of Training, and Regional Marketing and Sales Consultant In 1987, he left management to form his own firm, Olsen Financial Group, of which he remains President. In 2010, John formed, with co-author Jack Marrion, Olsen & Marrion, LLC. This firm publishes and markets their book Index Annuities: A Suitable Approach.
John has written and taught courses in insurance, financial, and estate planning and conducted seminars for agents, planners, and lay audiences. In addition to serving his own clients, John provides case consulting services to attorneys, accountants, insurance agents, and financial advisors, and provides expert witness services in litigation involving annuities and investment products. He is a Past President of the St. Louis chapter of the National Association of Insurance and Financial Advisors (NAIFA), serves on the Board of Directors of the St. Louis Estate Planning Council, on the Continuing Education Advisory Board of the American Academy of Estate Planning Attorneys, and is a former Director of the St. Louis chapter of the Society of Financial Services Professionals.
John has written articles on life insurance, annuities, planning software, and financial & estate planning topics for Financial Planning, The Journal of Financial Planning, Investment Advisor, Life Insurance Selling, Broker World, On Wall Street, Planned Giving Today, the Journal of the Society of FSP, National Underwriter, the quarterly newsletters for the Estate Planning and Retirement & Employee Benefit Planning Sections of the Society of Financial Services Professionals, and has been quoted in The Wall Street Journal, Forbes, Investment Advisor, Money, Time, Barron?s, Investment News, On Wall St., and other publications. John has appeared in several of the Society of Financial Service Professionals? nationally distributed video teleconferences (VTCs), audioconferences, and podcasts. In 2010, John was named to the Editorial Advisory Board of Tax Facts, a tax reference work widely respected and used in the financial services industry. He edited the questions relating to annuities in the 2011 edition.
John recently completed, with co-author Michael E. Kitces, The Advisor?s Guide to Annuities, an expanded and revised version of their earlier classic, The Annuity Advisor, to be published by The National Underwriter Company in the spring of 2012. John?s article, ?Annuities and Suitability: Reflections on the State of the Debate?, appearing in the Nov, 2006 issue of the Journal of Financial Service Professionals, won the First Place prize in the 2006 Kenneth Black, Jr. Journal Author Award Program. John is co-author, with Jack Marrion, of Index Annuities: A Suitable Approach, published in 2011 by their firm, Olsen & Marrion, LLC (www.indexannuitybook.com). In 2011, John was awarded the Paul S. Mills Scholarship by the Foundation for Financial Service Professionals, an award established to recognize the conferee?s demonstrated commitment to lifelong education, volunteerism, and ethical practice. He recently completed a new book, on taxation and suitability of annuities, for professional advisors, which should be released in 2012.
John is a sought-after speaker, having given presentations to chapters of the Financial Planning Association, the National Association of Insurance and Financial Advisors, and the Society of Financial Services Professionals, to several Estate Planning Councils, the Missouri Society of CPAs, the Southern California Tax & Estate Planning Forum, the American Academy of Estate Planning Attorneys, several national conventions of the Financial Planning Association, the national conventions and ?Arizona Institute? of the Society of Financial Services Professionals, and the Heckerling Estate Planning Institute.
John lives in Kirkwood, Missouri with his wife, Katherine. He enjoys reading and playing guitar, arguing almost anything, is an adequate pistol shot, and a terrible golfer. John can be reached at: 131 Hollywood Lane / Kirkwood, MO 63122 / voice: 314-909-8818 / FAX: 314-909-7912 / email: jolsen02@earthlink.net
Ethics in Action Extended
with Dan Candura, CFP
Pre approved for 2 CFP CE Ethics; 1 CFP CE; Insurance: 3 MA Insurance Credits; and 3 Cima Credits Ethics.
Ethics training doesn?t have to be dull or boring.
Ethics in Action uses animated videos and a game-show theme to keep the audience involved and learning. Teams participate in an informative and engaging session that teaches the six learning objectives required by CFP Board for ethics training in 2012 and three additional learning objectives for insurance credit.
- Demonstrate an understanding of, and be able to define financial planning,the financial planning process, and financial planning subject areas.
- Describe the material elements of financial planning.
- Determine if a CFP? professional is providing financial planning or material elements of financial planning.
- Demonstrate an understanding of the required elements of a written agreement when financial planning services are provided.
- Articulate disclosure requirements and apply disclosure requirements to their practices.
- Define and outline elements of the fiduciary standard and know when it applies.
- Understanding suitability for seniors by agents who are also certificants
- Recognizing signs of financial abuse when working with seniors
- Best Practices for insurance producers serving the senior market
Source: https://www.fpama.org/2012/08/oct-12-fpa-ma-half-day-meeting-ethics-session/
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